Jump to content


  • Tweets

  • Posts

    • Could you post up the letter, with your personal info and their reference covered up, please? It should say Letter of Claim, but let's have a look just in case. HB
    • I know dx, a lot of it was my partner and how she felt about it. I also appear to be addicted to my credit file being clean. I still worry for my partner she has too much on as it is, but I am ensuring I manage both of ours so She can forget about. i guess in terms of time I bet masses are defaulting with this economy as it is right now and high interest rates might be the only thing going for me right now. I guess  I’ll find out
    • Please see below for an extract from the letter more about my case. You have been convicted of two matters of failing to give driver details linked to two speeding offences and been disqualified in your absence. You confirmed that you did not receive the court documentation and the first you knew about the cases was on 3/6/24. As you can make a statutory declaration it is possible that we will be able to persuade the police to accept pleas to either or both of the speeding offences as they were committed within a very short space of time and withdraw the two fail to give driver details offences as normally if you plead to one or other of the speeding or fail to give driver details the prosecution will withdraw the other related offence. If successful you would not face a totting ban. In respect of the speeding offences, it could be argued they were committed on one occasion due to the proximity of the time and location and we may be able to persuade the prosecution to drop one of the speeding offences. You are technically guilty of all the offences because you accept it was you driving when the speeding offences were committed and that you did not update your change of address with the leasing company when it was your responsibility. If the prosecution will not withdraw the two failures to give driver details offences, you will face a totting ban but will be able to put forward an exceptional hardship argument. This  may or may not go ahead at the court hearing date, so we need to prepare for all eventualities. As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge. The court have dealt with the matter very quickly and have actually listed your matter for an application to suspend the disqualification pending appeal on the above-mentioned date. We could actually use this date to make the statutory declaration in court having explained the situation to the magistrates and then see if the prosecution will agree to accept pleas to one or both of the speeding offences as a way of resolving the matter without the need for you to put forward an exceptional hardship argument. It is possible the case would need to be adjourned so that we can make those representations, or the court may want to go ahead and hear the exceptional hardship argument. The outcome of your case is always at the discretion of the Court.  
    • Hi,    I will look over your case shortly.   I am sorry for the delay.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Cabot/Reston Claimform - old Lloyds credit card debt -


julie1977
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2132 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

My wife had a Lloyds credit card back in 08th June 2007.

Account Terminated 12th February 2009.

This debt was never acknowledged by my wife at the time nor has she acknowledged this since.

 

There is nothing on her credit file regarding this outstanding £2,463.99.

We have checked back to when they are claiming the last payment was made and we cannot find any evidence of this at all.

 

Am I correct in thinking that this is statue barred and both Cabot and Reston's are chancing their arm by trying to frighten her into paying this amount?

 

They are threatening her with a ccj if she does not pay the full amount by 9th December 2016.

What would you guys advise as I want them gone and out of her life.

 

Many Thanks

 

Julie

Link to post
Share on other sites

  • Replies 209
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

We have checked back to when they are claiming the last payment was made and we have found out that her father contacted the company at the time and offered them £5.00 per month

(this was without any authorisation from my wife at the time neither written or verbally)

 

The payment was also made from her fathers account not from hers.

 

We have asked her father if this is correct and he has confirmed this and sent a copy of the payment coming out of his account.

 

Am I correct in thinking that this is staute and barred or there has been a breach of data protection and both

Cabot and Reston's are chancing their arm by trying to frighten her into paying this amount?

 

Any advice would be really appreciative, this letter landed which has totally ruined her day.

 

Julie

Edited by julie1977
Link to post
Share on other sites

Hi Ford,

 

The last payment was May 2015 for £5.00, however this was from my wife's fathers account not her's.

 

Cabot were collecting on it and they have now sent it to reston's , which their letter arrived through the door today

Link to post
Share on other sites

Hi Ford,

 

The last payment was May 2015 for £5.00, however this was from my wife's fathers account not her's.

ah.

the issue then, as you note, wld be whether it was in knowledge/ etc

 

who is collecting, loyds or sold on to a dca.

Link to post
Share on other sites

posts merged to your own thread

 

unauthorised payments by a third party do not reset the statute barring

 

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

Its cabot and restons. Theyre lying. Theyre well known for lying.

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

Link to post
Share on other sites

Hi Renegadeimp,

 

I have seen the bank statement that the payments had been made from. However at no point was any authorization from my wife given for her father to act on her behalf and contact the debtor.

how did he get involved with it then (is just something that may end up being asked if it ends up going the distance)

also, she must have been getting statements/correspondence since payments began (which you said was around the termination).

Link to post
Share on other sites

my wife at the time had been in a relationship where the other party had wracked up a load of debt in her name.

 

It was raised with the police fraud dept's ect but they advised that because it was two women they could not prove who had spent what.

 

Lisa's father is a financial adviser and took control of her finances and she never saw her or had direct access to her wages without needing to ask her dad for some money and then having to explain what it was for ect ect.

 

Because he is also her employer he out her wages into his account and he took control of things.

 

This was only stopped once we met and I said that it was not normal and that she should have access to her own money.

 

Her father wrote to said company and advised for all correspondence to be sent to him, to which as far as I know the companies did.

Link to post
Share on other sites

well cabot/reston don't know the history

so don't tell them anything.

 

its not outside of the realms of reality that they could well wij a case being with what you are describing

as I doubt it could be proved that she didn't realise what was going on.

but sadly financial advisors do these things when they think they are the ultimate authority

whereby many have very strange views on the legality of some debts.

 

I would not be sending them anything.

 

let it run

 

if it ever did get to court then SB'd could be used to kill the debt dead

as the payments were not authorised

they'd need a signed letter by her authorising the payments

and her fathers actions

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

tricky one then :)

an issue of a bank/dca dealing with someone else other than the acc.

whether there was any knowledge/authorisation (sometimes things can be implied/acquiesced if there was any deemed knowledge)

etc

Link to post
Share on other sites

hope the bank account was not in her name the payments were made from?

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

well they'd need a signed letter by her stating her father has financial control.

 

 

end of IMHO.

 

 

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

well unless they get a CCJ by the backdoor

they cant harm her credit file

 

IMHO the debt is statute barred.

 

and you would defend as such should that happen.

 

they would be put to strict proof upon how/who/when what account the payments came from.

and ofcourse if that was not n account number that she had

they wont know who owned the account.

 

and again

even if they prove that

they would still need a signed letter of authorisation by her for her father to act for her.

and I bet that doesn't exist!!

 

they've seen £2500 outstanding and rubbed their hands together.

 

I take it he was blindly paying these debt collector on her behalf?

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

Yes you are correct her father has confirmed that he wrote to them advising them of her finicial status and offered them the £5 per month. At no point was a letter signed by Lisa giving her father authority to act on her behalf.

 

Would you suggest that we send a statute and barred letter to both parties (Cabot and Restons) or wait and see what happens?

Link to post
Share on other sites

no don't send them anything

 

a copy of that letter would be nice for your arsenal mind.

 

cause if they do issue a claimform

you'd use the SB defence

 

then when it came to the time, IF they progressed it

then that letter will really harm them

as they have broken several data protection rules for a start!

 

they'll drop any claim like a hot brick.

 

reston might be stupid

but they are not THAT stupid.

 

you could even hit them with a compo counterclaim me thinks?

 

that's a serious error.

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

Hi dx100, thank you for your advice.

 

We will have a copy of the letter along with every other piece of correspondence that her father sent/received.

We are just waiting on the documents to be sent over to us via e-mail.

 

we have just had everything sent over by Lisa's father and there was definitely no letter of authority signed or sent by Lisa to allow him to act on her behalf.

 

This payment agreement was originally set up with Lloyds debt dept directly and at that time it was not at a dca level.

 

 

Will this make any difference to her case?

Link to post
Share on other sites

oh yes even worse for the DCA.

as they'll have one hell of a job to get any of that info out of the bank

as the bank will realise they made a blunder and will have lost all documentation

 

probably the reason why they sold it on them.

lemon debt.

 

so the payments were blindly continued and changed to the DCA after legal assignment/sale from Lloyds...oh dear

I knew some financial advisors were bad but that sorry, is terrible management of debts.

 

sadly most FA's and even most of the debt management companies free or otherwise

just blindly believe the debt is legally owed and blindly advise to cough up.

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

  • 1 month later...

Hi,

 

I hope you all had a great Christmas and New Year.

 

Restons have actually sent her court papers for this alledged debt.

Can someone please assist me in what I need to do now as there is a time limit on the court papers.

 

I have never had to deal with one of these claims before so I am a little confused as what I need to do next for this claim against my wife.

 

I have just registered onto the court online service and went to defend the claim in full,

however I cannot get any further as there is no defence pack password provided with these alledges forms.

 

UNFORTUNATLEY i have found it :oops:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...