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    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
    • In anticipation of lodging my court claim next Weds 1 May (14 days after advising P2G that was my deadline for them to settle my claim) I have completed my first draft POC as below: Claim Claim number: xxxxx Reference: P2G MAY 2024   Claimant xxxxx   Defendant Parcel2Go 1A Parklands Lostock Bolton BL6 4SD  Particulars of Claim The defendant has failed to arrange for the safe delivery of the claimant's parcel containing a 8 secondhand golf clubs (valued at £265) that was sent to a UK address using their delivery service (P2G Reference xxxxx). The defendant contracted Evri to deliver the parcel (Evri Reference xxxxx) and refuses to reimburse the claimant on the grounds that the claimant did not purchase their secondary insurance contract. The defendant seeks to exclude their liability in breach of section 57 Consumer Rights Act. The secondary insurance contract is in breach of section 72. The claimant seeks reimbursement of £265, plus P2G fees of £9.10, plus postage costs for two first class letters to P2G of £2.70, plus court fees, plus interest. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from xxxxx to xxxxxx on £276.80 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £xxxx   Details of claim Amount claimed £276.80 I look forward to your thoughts and comments guys! As ever, many thanks - G59    
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Cabot/Mortimer - unknown CCJ for old Cap1 debt.


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Hi,

 

Received two letters today:

One from Mortimer Clarke Solicitors (dated 28/01/2016) Re: Cabot indicating that they have received no response to the claim form issued.( I was going to ignore it until I looked at the second letter...)

 

Letter Two: Judgment for Claimant (in default), from the County Court, dated 28/02/2016

Claimant: Cabot Financial (UK) Ltd.

 

I checked my credit file using Noddle:

 

It shows one active credit card which is OK and currently active.

Then ..

Starting from Oct 2015 to Dec 2015 there is an entry for Cabot with a Default for each month. There is nothing else there, no balance history . The account details state that it is a credit card , defaulted 25/04/2010 - Balance: £680. Account start date 11/04/2008.

 

On public information there is a CCJ from 28/02/2016.

 

I had two credit cards back then , one I know was paid off, the other obviously was not. I think it may have been a Capital One credit card.

 

I have never received a Claim form and have not had any dealings with Cabot.

I have not had a Notice of Assignment .

 

Should I contact to Court to apply for the Judgment to be set aside because I did not receive the Claim Form and have no proof that I owe Cabot anything?

 

Can I get a copy of the Claim Form? (i feel disadvantaged because they seem to have all the information whereas I have none)

 

Should then CCA Cabot and CPR 31:14 Mortimer Clarke?

 

Any help or guidance greatly appreciated .... Thanks.

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I take it you've moved since you took the card out

so after they purposefully got the CCJ

by serving papers to your old address

 

 

they've miraculously found your new address once they'd got default judgement and written to you..

 

 

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, I don't think I have moved since taking the card out, but I did not receive a Claim Form and I have no idea what the particulars of the claim are. I remember getting a statement from Cap1 about 12-18 months ago but have had no other contact I am aware of.

 

I was going to ask to set aside, using N244 (Do I just take that to the local court?) so that I defend the claim.

 

I have checked my bank account but because my wife also has a Cap1 credit card and there are two payees set up, I cannot tell which one is the correct account. They both have the same reference number.

 

So do I have to SAR Capital One and send a CCA request to Mortimers?

 

I looked through some other threads and think I know what to do, but when it comes to doing it I start wondering if I am on the right track.... sorry if you've heard it all before.

 

thanks....

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well if you've not moved since the cap1 statements

then they must have cheekily filed to an old address

 

cant see several letters and the claimform all going missing.

 

you can set aside, but, you'll still need a defence for the actual debt too

 

why not give northants bulk a ring

and get a copy of the claimform

 

not a lot of point doing anything else yet.

going by the defaulted date

I suspect cabot did this so as to not miss a chance of free money on an almost statute barred debt.

 

not harm in ringing cap1 and getting last use/payment date

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, Thanks for replying...

 

The Court Office said they could not send a copy of the claim form but they emailed the details of the claim instead. They also emailed a N244 to apply to set aside and an EX160 for help with fees if required.

 

Contacted Cap1 but they said they had limited information and told me to phone Cabot (didn't really want to phone them, but I might try later).

 

Thanks...

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Cabot will have even less if anything information wise.....CAp 1 do hold the information...they are required to by law.

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

 

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sadly sar time then me thinks to cap1

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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  • 6 months later...

Hi,

Unfortunately I did not get around to SAR ing Cap1...

Lots of family health problems so I kept putting it off, which really is the wrong thing to do.

 

I received a Bailiff letter (Notice of Issue of Warrant of Control) from the local Court.

 

Phoned the Bailiff and told him I intended to apply to set aside.

He said to phone Mortimer Clarke and see if I could make an arrangement with them as they are usually very helpful.

He said they are one of the better ones.

 

He phoned me the next day asking if I was still intending to set aside as nothing had been received at the court.

Luckily I had just posted my application and he said he would not take any further action (which was a relief).

 

Notice of Hearing of Application was set for Aug 29 later today.

 

I have not received anything from CAP1 SAR (they are still in time)

so I was going to request more time as I have nothing to form a defence.

 

I received a letter on Tue 28 Aug (day before the hearing... they could have sent it a week ago at least) from Mortimer Clarke:

 

It confirms the application to set aside and says they are prepared to agree to set aside the judgement on condition that I file a fully pleaded defence within 21 days.

 

They further request the matter is stayed for six months in order for parties to reach a settlement.

They also respectfully excused themselves from attending court in order to save costs.

 

They included a Draft Order confirming the above and cancellation of registration entry as long as I file and serve a fully pleaded defence within 21 days.

 

Do I still need to go to the hearing, or will I be just wasting the Court's time?

 

Many Thanks.....

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did you ring cap1 and find out last payment date?

 

 

it appears cabot/Mortimer know the score and are awaiting you to prove you have found out its SB'd

 

 

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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Wow that was quick...

 

When I phoned Capital One said they had no account information and although they had a record of my details it was very basic.

 

The SAR should throw something up.

 

Thanks

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" Do I still need to go to the hearing, or will I be just wasting the Court's time? "

 

Yes....and no

 

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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Went to the hearing... Judge read the letter from Mortimer Clarke that they had received that morning.

 

Informed me that I had until Sept 21 to file a fully pleaded defence as per Mortimer Clarke's draft Order, for the judgement to be set aside.

 

Also they amended that the matter be stayed for six months in order for both parties to reach a settlement, to three months because six was,'way too long'.

 

Just waiting for Capital One now. SAR'd them on Aug 14. I won't be able to file a defence without their information.

 

AM I correct in thinking that if I deliver a suitable defence and the judgement is set aside, that Mortimer Clarke are looking to settle out of Court?

 

I was a bit confused by the judgement being set aside... I assume that this cancels the Court action but Mortimer Clarke can issue another claim if they want to (I suppose it depends how good my defence is), although they are asking for the matter to be stayed in order to reach a settlement at the same time.

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Why would you settle out of court if the debt is SB?

 

If they try and issue another claim, then you can CCA them or use the SB defence and kill it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Its not been set a side yet...that will be decided on the 21st Sept and depend on your defence.

 

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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  • 2 months later...

Hi, just a quick update:

 

After the hearing I wrote to Mortimer Clarke under CPR31:14 to gather information so I could file a defence.

 

I also informed them that Cap1 had not complied to my SAR.

 

I also phoned them a few days later and they confirmed that they had received the letter but nobody from that particular department was available.

 

I told them I could not file a defence with no information..

. they asked me to phone back.

 

I've heard nothing from Mortimer Clarke or Cap1 .

 

I checked my Credit File: The CCJ and Default have disappeared.

There is no mention of Cabot either.

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success then well done!!

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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Has the court issued an order/date for you to submit a defence ?

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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  • 1 month later...

hi, think i jumped the gun a bit...

 

Got a letter from Mortimer Clarke with a copy of the Court Order saying the judgement has been reinstated because I did not comply with the Court Order, in that I failed to file a defence.

 

Apparently,

they are keen to resolve the matter without the need for further court action and they have included a payment proposal and income/expenditure form.

They also say they will enforce the Judgement Sum if I do not reply within 14 days.

 

I wrote to Mortimer Clarke after the hearing using CPR31.14 .

They confirmed that they received my letter when I phoned them up, but I have never received a reply from them.

I also SAR'd Cap1 but have heard nothing. I have nothing to file a defence with.

 

will I have to issue an N244 again,

they must know that I cannot file a defence and they are just trying to scare me but they are wasting the court's time.

Edited by sequoia
grammar tsk
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Check yourself with Northampton that it has been reinstated or upload a copy of the order here.

 

You can also check here to see if the judgment has been registered.

 

http://www.trustonline.org.uk/

 

If it has then Im afraid its game over.

 

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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Sorry for my ignorance, but would Northampton and my local court both have information on whether the original judgement has been reinstated. I'll phone them tomorrow.

 

The copy Mortimer Clarke sent me says (on what looks like an official court document) that I did not serve a fully pleaded defence within 21 days.

 

I did contact Mortimer Clarke within the 21 days but they did not reply to my letter that I sent. I suppose I should have gone back to court and used the fact that they were unable/unwilling to provide the information I needed as my defence.

 

why is it game over? can I not force them to give me the information they are basing their case on?

 

Sorry I cannot upload any documents at the moment.

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yes you can

click the word upload and read

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 should have filed a holding/no paperwork defence to the court by the date given.

you don't need any paperwork from the claimant to do that.

have you the sar now?

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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I cannot scan the document that's why I could not upload it....

 

I still have no SAR from Capital One .

 

I haven't been on the ball really, should have been a bit more proactive but have been helping my father in law since he had a stroke.

 

Is it worth contacting Mortimer Clarke again to see why they ignored my letter?

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