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Cabot/Mortimer claimform - Vanquis Card 'debt'***Claim Discontinued***


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scan it up

follow the upload

put ALL the pix in a word doc 1st [multipage]

 

 

as for the rest as post 48

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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Here is the document.

 

The following bits contain inaccurate information, which would be provided on application

 

Marital Status

Time in employment

Employment type

Job Title

Postcode

 

Middle name

 

The amount they are claiming, I believe is incorrect. The original letter they sent stated around £100 less.

 

Hope this info helps.

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That's toilet paper

 

Where the t&c's??

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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scan up the T&C's please

 

 

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... 

Link to post
Share on other sites

Here are the T&C photographed.

 

Obviously the claim is currently stayed as they never responded, plus I never received the alleged this paperwork until 3 months after the request was made. The screen print of the application was printed in July 2015, so taken them 7 weeks to send it to me!

 

Many thanks

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Spotted the deliberate mistake yet.....

 

How can they send you t&c from a date after you took the card out?

One page is 10/09

The rest 12/09?

 

Bog paper like the the online agreement

 

Is that the best they can do

From their filing cabinet of old stuff used to try and con the court!!

 

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

Hey i am in the same boat, i took out my card in jan 11 and my case was stayed, for the documents side they sent me the 02/10 T&C's, these are predated at least 13 months before i took out the card, you can read all about it here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?447938-Cabot-Optima-Scottish-Small-Claims-Summons-Form-1a-2011-Vanquis-Card-debt/page2

 

I believe we have to write to them spotting the differences in the application and T&C's, as in mine there are two mistakes in the application, specifically the T&C's and my income, as for the T&C's there is lot of information which is missing. Giving them seven days to provide the correct paperwork, any thoughts on this??

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nope you don't do anything.

 

if they want to proceed you use these errors to your advantage.

 

the next move is the claimants/pursuer not yours.

 

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

best to keep to your own thread.

 

 

but if the judge specifically order a list of documents to ne produce

naming each one

then you point out to the judge this has not happened.

 

 

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

Thanks for spotting the error. Tbh I never noticed. I suppose a judge would take a dim view of this type of thing. Now this would become statue barred in approx 2 months. What happens regarding that?

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claimform stalls the SB clock

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

Ok. So when would the clock start ticking and would it put the x amount of months back on it?

 

Thanks

 

If the claim is discontinued or the claim was dismissed.

 

Andy

We could do with some help from you.

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  • 4 weeks later...

Hi,

Now a month on and it is silent. I am unsure about if there are time limits for them to reactivate the claim or it is automatically dismissed/discontinued.

 

Can anybody shed any light on this please?

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And claims can be stayed months/years....so just forget it until/if you hear anything from the court.

 

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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  • 5 months later...

Excellent...it means the court process has finished.No it does not mean its statute barred Unless it was before thy issued the claim..to become statute barred there must be a period of 6 years without payment or acknolwdgement (5 in Scotland)

 

Well done on the result though...I will amend your thread title to reflect the outcome.

 

Regards

 

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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AFAIK the clock simply stalled from the date of the claimform, till the date it was disc'd.

 

 

yes they can do what they like.

but the letter of disc'd speaks volumes

keep it safe

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

Yes the clock resumes...yes they can sell it on again...but you now know the procedure.:-)

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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