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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      
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    • 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.🙂
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Cabot/Mortimer Claimform - old Morgan Stanley/Goldfish Credit Card 'debt'


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Hi, this is my first post. I'm having a few problems with Cabot Financial.

 

In 2002 I had a credit card with Morgan Stanley, everything went well until I was made redundant in 2003.

 

I got into quite a few problems with cards loans etc, as I didn't have enough money to pay everybody.

I went to the CAB for help, and they sorted things out for me. I was paying off this credit card at £35.00 er month.

 

I have never had any statements or payment advice from Cabot at all.

 

After I saw your forum late last year, i read quite a few posts and realised I was probably being "Cash Cowed" by Cabot.

 

I stopped making payments and sent Cabot a request for CCA and payment statements.

 

I got nothing back time within the statutory timescale.

 

Then I got a letter from Mortimer Clarke Solicitors, saying if I didn't ring and make a payment arrangement, they would take legal action against me.

 

I wrote to Mortimer Clarke, and told them I had asked for CCA from Cabot, and was waiting a response

 

.I also asked them to take no further action until they had contacted Cabot, to ask why I'd had no response to the CCA request.

 

Now I've got Claim form from Northampton bulk centre.

 

I have never had a Goldfish card, so unsure what that's about.

They say the agreement was terminated, so if there's no agreement, how can it be assigned to Cabot ?.

 

Also the amount owed seems to be the same as it was in 2003, where's all my payments gone?.

 

I could do with some help with filling out the claim form correctly.

 

Any help would be much Appreciated Thanks....:???:

Edited by Andyorch
Paras
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When was your last CCA request sent?

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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If you could read the following bubble and post your responses here...to enable the correct advice.

 

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

 

Regards

 

Andy

We could do with some help from you.

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Claimant: Cabot Financial

 

Issue Date: 1/05/2015

particulars of claim :

 

By an arrangement with Goldfish Bank Ltd (GFB) and the defendant on or around 14/09/2002.

 

( the Agreement) GFB agreed to issue the defendant with a credit card upon the terms and conditions set out therein.

 

In breach of the agreement the defendant failed to make the minimum payments due and the agreement was terminated.

 

The Agreement was assigned to the claimant.

Value of claim ( inc costs): £3715.00

 

Current Acc or Overdraft: credit card

 

Original agreement before 2007

 

assigned to Cabot (allegedly)

 

Not aware been assigned. No notice of assignement

 

Original creditor probably issued a default notice

 

Notice of Default Sums: never received any.

 

Ceased payments after reading this forum. Thought I was being 'Cash Cowed'.

 

Last Payment: 29/07/2014

 

Dispute with original lender: No

 

Did I communicate financial problems with original lender: Yes.

Do I have to send a CPR31.14 request to Mortimer Clarke, now ?

Regards....Dave

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where's all my payments gone?

 

interest probably. no point going with a dmp if all is paying is interest and nowt towards the capital. anyway thats a side issue.

yes, do a cpr 31.14 request to the sols acting. see what they come back with

you say issue date was 1/5/15. so have a few days to consider and acknowledge in time with intent to defend.

who did you send that cca request to?

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have you ack'd {aos] the claim on mcol website yet

 

 

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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For your ref

Morgan Stanley were sold to goldfish in 2009 whom latterly were sold to Barclaycard,

 

 

so that's why the claimform poc mentions goldfish

 

 

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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Share on other sites

look on the claimform mcol website detailed.

 

 

go up on the site

register as an individual

note the number

and select AOS [ack the claim]

 

 

defend all

leave juris unticked

exit mcol

 

 

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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Hi DX, sorry but i don't understand what ack'd or mcol means...

regards...Dave

 

MCOL = Money Claim Online. Log on to the website with the details provided on the Claim Form.

 

AoS = Acknowledgement of Service - This is a form you complete online to give yourself an extra 14 days to file a Defence

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Hi, there's problems with MCOL site at the moment, unable to complete registration.

But I sent the AoS back yesterday by post, and ticked the defend all box. I hope I've done right.

Should I send a CPR31.14 request to Mortimer Clarke ?

Regards....Dave

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you file the no paperwork/holding defence on time regardless.

 

 

post it here first mind for checking

 

 

 

 

time to go read a few like threads here

and in the

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

 

 

to get upto speed

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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Hi everyone,

 

 

got a reply to my CPR 31.14 request to Mortimer Clarke this weekend.

 

It reads:

Thank you for your letter dated 26/03/2015.

We acknowledge your request for documents puruant to section 77/78/79 of the consumer credit act 1974.

For the avoidance of doubt, this firm acts on it's client's instructions.

This firm does not hold the documentation you have requested.

We have asked our client to provide them and will come back to you as soon as we can.

We further acknowledge your request for further documents under Part 31.14 of the civil procedure rules.

We confirm our client is willing to agree to the extension of 28 days, for you to file your evidence.

Persuant to CPR 15.5(2) please notify the court in writing of the agreement.

In the meantime, the matter has been placed on hold and no further action will be taken.

Mortimer Clarke Solicitors.

 

A couple of questions:

 

Shouldn't Mortimer Clarke inform the court of the extension. Will the court take my word on that ?

 

It's Ok saying the matter is put on hold, but surely the courts action clock is ticking and things will happen anyway if no defence filed ?

 

Thanks in anticipation of your responses..

 

Dave

Edited by bubblenskweak
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Hi everyone, so got a reply to my CPR 31.14 request to Mortimer Clarke this weekend.

It reads:

Thank you for your letter dated 26/03/2015.

We acknowledge your request for documents puruant to section 77/78/79 of the consumer credit act 1974.

For the avoidance of doubt, this firm acts on it's client's instructions. This firm does not hold the documentation you have requested. We have asked our client to provide them and will come back to you as soon as we can.

We further acknowledge your request for further documents under Part 31.14 of the civil procedure rules. We confirm our client is willing to agree to the extension of 28 days, for you to file your evidence. Persuant to CPR 15.5(2) please notify the court in writing of the agreement.

In the meantime, the matter has been placed on hold and no further action will be taken.

Mortimer Clarke Solicitors.

 

A couple of questions:

 

Shouldn't Mortimer Clarke inform the court of the extension. Will the court take my word on that ? The Defendant informs the Court with copy conformation from the claimant....we do not normally advocate defendants agree to extensions and should submit their defence on time irrespective

 

It's Ok saying the matter is put on hold, but surely the courts action clock is ticking and thing will happen anyway if no defence filed ? Unlikely...you have written evidence that they wont proceed

Thanks in anticipation of your responses..

 

Dave

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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why give them more time to magic up paperwork?

 

pers I'd file your defence on time regardless

 

that's simply a std response to CPR

if you read a few threads here.

 

as advised earlier.

 

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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Hi DX,

 

 

I've had no response from the court, since I acknowledged the claim.

 

How long do I have to submit my defence ?

 

I presume my defence would be 'Cabot have not supplied any documentation', is that correct ?

 

Thanx..Dave

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as post 16

 

 

you have 33 days from claimform date whereby that's day one.

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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Share on other sites

I presume my defence would be 'Cabot have not supplied any documentation', is that correct ?

 

Absolutely not...the claimant is not compelled to disclose anything pre defence....you need to read a few threads.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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I'd post that up here rather than via an attachment.

 

 

you've not referenced to their numbered paragraphs either

 

 

nor mentioned the CCA request

 

 

...........

 

 

def due by Tuesday 2nd june 4pm

 

 

dx

 

 

 

 

and as per post 5 their POC

 

 

is diff to the POC in your doc your attached ?

 

 

which is correct?

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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