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    • I'm still pondering/ trying to find docs re the above issue. Moving on - same saga; different issue I'm trying to understand what I can do: The lender/ mortgagee-in-possession has a claim v me for alleged debt. But the debt has only been incurred due to them failing to sell property in >5y. I'm fighting them on this.   I've been trying to get an order for sale for 2y.  I got it legally added into my counterclaim - but that will only be dealt with at trial.  This is really frustrating. The otherside's lawyers made an application to adjourn trial for a few more months - allegedly wanting to try sort some kind of settlement with me and to use the stay to sell.  At the hearing I asked Judge to expedite the order for sale. I pointed out they need a court-imposed deadline or this adjournment is just another time wasting tactic (with interest still accruing) as they have no buyer.  But the judge said he could legally only deal with the order at trial. The otherside don't want to be forced to sell the property.. Disclosure has presented so many emails which prove they want to keep it. I raised some points with the judge including misconduct of the receiver. The judge suggested I may have a separate claim against the receiver?   On this point - earlier paid-for lawyers said my counterclaim should be directed at the lender for interference with the receiver and the lender should be held responsible for the receiver's actions/ inactions.   I don't clearly understand that, but their legal advice was something to do with the role a receiver has acting as an agent for a borrower which makes it hard for a borrower to make a claim against a receiver ???.  However the judge's comment has got me thinking.  He made it clear the current claim is lender v me - it's not receiver v me.  Yet it is the receiver who is appointed to sell the property. (The receiver is mentioned/ involved in my counterclaim only from the lender collusion/ interference perspective).  So would I be able to make a separate application for an order for sale against the receiver?  Disclosure shows receiver has constantly rejected offers. He gave a contract to one buyer 4y ago. But colluded with the lender's lawyer to withdraw the contract after 2w to instead give it to the ceo of the lender (his own ltd co) (using same lawyer).  Emails show it was their joint strategy for lender/ ceo to keep the property.  The receiver didn't put the ceo under any pressure to exchange quickly.  After 1 month they all colluded again to follow a very destructive path - to gut the property.  My account was apparently switched into a "different fund" to "enable them to do works" (probably something to do with the ceo as he switched his ltd co accountant to in-house).   Interestingly the receiver told lender not to incur significant works costs and to hold interest.  The costs were huge (added to my account) and interest was not held.   The receiver rejected a good offer put forward by me 1.5y ago.  And he rejected a high offer 1y ago - to the dismay of the agent.  Would reasons like this be good enough to make a separate application to the court against the receiver for an order for sale ??  Or due to the main proceedings and/or the weird relationship a borrower has with a receiver I cannot ?
    • so a new powerless B2B debt DCA set up less than a month ago with a 99% success rate... operating on a NWNF basis , but charging £30 to set up your use of them. that's gonna last 5mins.... = SPAMMERS AND SCAMMERS. a DCA is NOT a BAILIFF and have  ZERO legal powers on ANY debt - no matter WHAT its type. dx      
    • Migrants are caught in China's manufacturing battles with the West, as Beijing tries to save its economy.View the full article
    • You could send an SAR to DCbl on the pretext that you are going for a breach of your GDPR . They should then send the purported letter of discontinuance which may show why it ended up in Gloucester and see if you can get your  costs back on the day. It obviously won't be much but  at least perhaps a small recompense for your wasted day. Not exactly wasted since you had a great win  albeit much sweeter if you had beat them in Court. But a win is a win so well done. We will miss you as it has been almost two years since you first started out on this mission. { I would n't be surprised if the wrong Court was down to DCBL}. I see you said "till the next time" but I am guessing you will be avoiding private patrolled car parks for a while.🙂
    • It is extremely disappointing that you haven't told us anything about the result of the hearing. You came here at the very last minute and the regulars - all unpaid volunteers - sweated blood trying to get an acceptable Witness Statement prepared in an extremely short time. The least you could have done is tell us how the hearing went, information invaluable for future users. Evidently not.
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Cabot/Dryden's claimform - old Barclaycard 'debt'


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Hi,

 

 

I've been paying Dryden's for an old Barclaycard debt every month for the past 6 months and

 

 

today received a claimform request for this account from Cabot asking me to send all correspondence to Dryden's..

 

 

.I don't understand why when I've been paying them the agreed monthly amount and this has come out of the blue!

 

 

Should I phone and ask why?

 

 

Or just send the CCJ for back?

 

All help great fully received.

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I take it you mean you've received a claimform from the court not a CCJ?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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no you don't

 

 

you ack the claim on mCOL

however

before you do anything

 

 

can you please fill this link out

 

 

and copy and paste the questions & you answers here in this thread.

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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well don't leave things too long

 

the quicker you get a CCA request off to the claimant

[£1 blank PO, don't sign anything]

 

and the correct CPR 31:14 from the legal section of the top green library tab to drydens

 

you also need to ack the claim {AOS} on the MCOL website

defend all, leave juris blank

 

the better

 

 

the clock is now ticking.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Date of issue 23rd April 2015

What is the claim for – the reason they have issued the claim?

 

The claimants claim is for the sum of £2494.35 under agreement regulated by the consumer credit act 1974,

between the defendant and Barclaycard account number XXXXXXX and

assigned to the claimant on 23/05/2005, notice of which has been provided to the defendant.

The defendant has failed to make payment in accordance with the terms of the agreement despite requests for such payment.

And the claimant claims the Suns of 2,494.35 together with costs.

What is the value of the claim? £2494.35

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? - Credit Card

When did you enter into the original agreement before or after 2007? before, - 2002

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim. Cabot Financial .

Were you aware the account had been assigned – did you receive a Notice of Assignment?

 

I really can’t remember but I knew it was Cabot as I’d been paying £5 per month as agreed by Dryden’s

(acting on Cabots behalf) for the previous 7 months)

Dryden have no records of any letters being sent to me since they agreed for me to pay £5 per month

but Cabot decided that this wasn’t enough and asked Dryden’s to issue court proceedings,

without any financial review or prior correspondence to say they were going to do this,

as far as I was aware they were happy with the £5 per month agreement

I stupidly have misplaced the letter agreeing to this).

 

Did you receive a Default Notice from the original creditor? I can’t remember.

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No

Why did you cease payments? Got myself into financial difficulties when I had my son in 1999 and lost my job in 2001.

What was the date of your last payment? April 21st 2015 via Dryden’s (standing order)

 

Was there a dispute with the original creditor that remains unresolved? No

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?

Yes, my offers of payments were not enough.

Dryden’s have told me that it was my responsibility to keep my telephone contact details up to date

as they have tried to call me for the past 3 months as this account was due for a review.

I asked why they hadn’t written to me as I haven’t moved for 10 years! [no response].

Told me there is nothing they can do, just have to fill out CCJ forms.

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have you ack'd the claim on mcol today?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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and prob admitted the debt by default.

 

 

do it now..

 

 

got mcol website on the claimform

 

 

and register as an individual

 

note the long number given.

then

now using the registration you've just made

log in to MCOL

 

then, looking at the claimformlink3.gif

 

use the details required , select AOS [ack the claim]

 

select defend all

 

leave juris unticked

 

then exit MCOL

 

you should get an ack that you've done AOS a short time after

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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yes ofcourse you will

 

 

can you please get things moving

time is ticking.

 

 

you need to follow the rest of post 6 and get the CCA & CPR posted asap!

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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you upload them and we take a look and check they are enforceable..

 

 

now rime to read here at like claims

and it the successes forum

 

 

get yourself upto speed

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?190-DCA-Legal-Successes

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks again for your replies. I have a couple of questions.

 

Now I've opted to defend this claim,

 

 

IF Cabot come back with an enforceable agreement,

 

 

how do I then go about offering the court what I can afford

 

 

as I assume I can't now send them the form with income/expenditure on it?

 

Will I end up having to go to court?

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Thanks again for your replies. I have a couple of questions.

 

Now I've opted to defend this claim, - as you must always regardless

 

IF Cabot come back with an enforceable agreement,

how do I then go about offering the court what I can afford

as I assume I can't now send them the form with income/expenditure on it?

 

Will I end up having to go to court?

 

 

they've got to win first

there will be ample opportunity to deal with payments etc

and lots of ways to do it.

 

 

but as I say, they've gotta win first...

 

tomlin/consent/N9a etc etc

 

 

you need to read up on threads

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

yep.

holding/no paperwork one

various examples here in threads and in the success forum off this one.

 

 

post it here first mind!

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Received letter from Cabots today to say they are not holding paperwork I have requested but have requested it from Barclaycard, could take up to 40 days. This account is over 10 years old, what are the chances?

 

Also I've checked Noddle and nothing on there for Barclaycard.

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yep std reply from them.

 

 

chances..there have been returns for pre 2004 but normally just the T&C's which don't cut it.

 

 

have a read in the Barclaycard forum.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks dx

 

Sorry to be a pain but I can't find anywhere what will happen IF their claim is upheld.

 

 

What I mean is IF after submitting my defence and it goes all the way and they miraculously come up with legal paperwork,

will the court still allow me to pay say £5 a month if they award judgement.

..worried I'll be ordered to pay whole lot in go as I didn't send in income/expenses form by date originally requested.

 

Sorry this whole process is both new to me and very nerve racking

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well don't get nervous no need.

 

 

there are lots of threads here to read and in

 

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?190-DCA-Legal-Successes

 

 

if IF IF they come up with aperwork

you'll be sent it in lots of time to be able to deal with it

and scan it up.

 

 

and IF IF IF they do 'win'

 

 

you'll be given ample chance to easily settle in small sums.

 

 

the key to cag is

read a few thread

then a few more

then more again.

 

 

the more you read the stronger we become.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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