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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


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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


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Hi there

 

 

Just a thought but does the date at the top of the application paperwork match the date they state on the POC as the date that the application was supposed to have been taken out (22/07/2009) ?

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Hi,

Terms and Conditions was on seperate pages, but with it. Do you want me to scan those also?

 

The date on the paper I sent was June 2015 Took them 3 months to send them in a legible format to me.

 

Is what they sent me acceptable in court?

 

Many thanks

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scan up the T&C's please

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Dx out of curiosity,

what happens to the documents they have agreed to provide in front of the court like other notices and agreements, PPI,

when our case comes for a hearing when they have not provided them?

 

 

what do you think the judge will view it as?

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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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

 

Thanks

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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


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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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Once you submit your defence, the claimant has 28 days (I think) to notify the court of their intentions, otherwise the claim becomes stayed (put on hold). They'll then have to pay a fee to un-stay it.

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

 

Andy


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I have come home today to a Notice of Discontinuance from the court. Would this now be classed as statute barred as I know that the last payment/acknowledgement was going back to Dec 2015?

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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


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Thank you :) Does the clock restart as of now then? and can they sell it on for somebody else to try their luck?

 

Thanks guys for all your help with this :)

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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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Thanks all :) Letter safely tucked away!!

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