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    • Thank you Bank Fodder for your reply. Il certainly do that
    • Googled it and Family Money Savers purchased the assets of Key Financial Claims, there’s also threads confirming that they have acted as agents of Key. A firm going into liquidation does not nullify a contract so whether or not you owe the money will depend on when the offer of compensation was made. I would call them in the first instance to question it, all CMCs have to record all calls now, and you can make the subject access request over the phone. The fact that it’s taken 6 and a half years doesn’t make the contract invalid. 
    • the business and assets of Key Financial Claims were bought out of administration on a going-concern basis on 10 December 2015 by connected company Family Money Savers (FMS) for an initial payment of £30,000.   addition, the company is due to receive 10 per cent of FMS' revenues from Key Financial Claims' pipeline and 25 per cent of FMS' own revenues of which the company previously received 15 per cent. ………..     pers i'd ignore them.  
    • Hi, I currently have a Court case going on against Hartley Wintney Motors whereby I am trying to reject a car under the 30-day thing, as the car broke down 29 days after I purchased it. I was notified by the Court that the Judge had ordered for it to be referred to the Motor Ombudsman for dispute resolution. TMO advised that this could take up to 6 months as they are currently dealing with cases older than mine. Yesterday, through the Money Claims portal, I had notification that HWM had made an offer. I am trying to claim back £3,100. That's the cost of the car at £2,500 + the cost of a warranty. So there offer is:  "We can pay £2500 on 23 October. You must deliver the vehicle with all keys, logbook by 23 September. If you are not agreeable, business is closing soon, and any judgement awarded in the small claims court is also unenforceable. You will then need to dispose the vehicle."   So, firstly, why should I have to return the car? It doesn't go. I would have to pay for a truck to get it back to them. If the business is closing why do they want the car? Why would I give them the car a whole month before they pay me? They could scrap the car and there goes my evidence. Is the business closing? Their website still has over 60 cars for sale. Are they just trying to force me to take their reduced offer?  I have checked on Companies House and in June they filed a notice for compulsory strike off. One week later the strike off action had been discontinued. I've also contacted TMO to try and ascertain if this offer is in conjunction with them, as I haven't received any communication from them advising the same. If my matter is still waiting to be dealt with by TMO, why would HWM just randomly make an offer, when from the beginning they have been adamant that I am in the wrong?   I would very much appreciate any thoughts from people.   Thank you.     
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Cabot - New Defaults

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I have just checked my Credit file and I have 3 new defaults on my file from Cabot.


Cabot have only just brought all 3 of these debts from Northern Rock.


If the same debts were defaulted by NR before they sold them on are Cabot allowed to do this?


I am unsure if they were defaulted but believe they would have been. The debts (loans) were taken out in approx:


Aug 2006

Aug 2007

Aug 2008


All have recently Mar 15 been sold to Cabot who have then placed a default on my file?


CCA requests have been sent for all 3 debts.


Is there any other way other than a SAR to find out if they had been defaults previously with NR.


Thank you

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Have they just substituted their name to the accounts or are these all 'new' defaults?

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The date for all the default is 15 March 15 so I would say they are 'new' defaults post them purchasing the debt!

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If you don't know that they were previously defaluted, then get that SAR sent off.

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Hi Havinastella,


Apologies, I have just noticed the 'expand' button next to the defaults and each one has an individual default date of around 2012/13 the 15 Mar date is an update which will be when Cabot took on the debt.


I will continue and wait for the CCA request response

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urm..what are crapbot doing with these dodgy nram debts.



yes CCA request for each one


leave them blank

don't sign anything

I'd also send each one separately.



an sar to NR wont hurt you.

could be PPI involved



were any of these loans secured?






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