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    • I don't think I've ever seen someone appeal a mags court decision on fare evasion, JK, but as you say in this case TiredDodo has pleaded guilty. It is possible to challenge, as below. HB Appeal a magistrates’ court decision: Overview - GOV.UK WWW.GOV.UK How to challenge a decision by a magistrates' court. Including how to get a fine reviewed, if you did not know about your case, how to appeal to the...  
    • Update! I have now opened the mail from Barclaycard. I am assuming that their letters were prompted by my confirmation to them of my change of address, which I had advised them of twice. They are treating my change of address notification as a "General Data Protection Regulation Right of Access Request"  and state that I have made a "Right of Access Request. They are asking me to provide valid indentity documents! I have made no such request and am minded to ignore their request for extra information? I should add that their letters were sent to my correct current address!
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    • DX: I did not pursue Link after I got the CCJ amended to monthly payments. Pretty sure the CCJ does not mention reviews, I do have the CCJ somewhere, I will have to look it up in storage. It is as mentioned on the thread you referenced  in your post #28. The Barclays loan was taken out in September 2004 for 60 months! Current Balance remaining approx £2K. On checking back my past correspondence with Barclaycard about this loan, there was a history of them ignoring my letters and offers to pay, and I even had problems in obtaining their bank account details for them to accept my payments! I have received strange correspondence from them too, one referring to insurance which I did not have. They seem very disorganised! Barclaycard told me to pay "Masterloan" a while back and I now receive regular statements and arrears notices from "Personal Loans from Barclaycard" clearly marked Masterloan, they changed the account reference number! I have never requested a CCA on this account. I advised them of my change of address last September, but they are still sending, until today, statements etc. to my old address! I have received 2 letters from Barclaycard Loan today though, not opened them yet!!
    • Yes, a few months ago. They wrote back saying there was no CCA and the debt was unenforcable. I then started gtting bombarded with threatening emails from their 'litigations team' which have been sent to spam. I've now recieved the letter before claim with the PAP form enclosed, but still no CCA or even a letter from them to say the debt is deemed enforcable. Thank you.
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cabot chasing old Next Directory Card 'debt' 8yrs old


yenot6691
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got home from work and found a letter from Cabot advising they confirmed i live at my address and are chasing a debt which is probably 7-8 years old.

 

 

this debt has never appeared on my credit report in 2.5 years

 

 

ive never acknowleged the debt or attempted to pay this off.

 

 

do i ignore this letter or take action?

 

Thanks

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what the debt all about please

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,

its an old next directory debt that i assume dropped of my credit report years ago,

 

 

ive been checking my credit report religiously every month for the last 2 and a half years and its never appeared.

thanks

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so probably defaulted more than 6yrs ago and has been removed

another good indication its SB'd then.

 

upto you.

 

they can ASK for payment

and you can equally ASK them to go away.

on a statute barred debt.

as in E&W the debt itself still exists.

 

however under FCA CONC rules

once they are told its SB'd

they should cease chasing.

 

you could write with the above

or

you could ignore

 

its only a phishing letter to scare mugs that no no diff into paying up.

 

 

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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so probably defaulted more than 6yr ago and has been removed

another good indication its SB'd then.

 

 

upto you.

 

 

they can ASK for payment

and you can equally ASK them to go away.

on a statute barred debt.

as in E&W the debt itself still exists.

 

 

however under FCA CONC rules

once they are told its SB'd

they should cease chasing.

 

 

you could write with the above

or

you could ignore

 

 

its only a phishing letter to scare mugs that no no diff into paying up.

 

 

dx

 

Thanks Dx,. Will ignore for now and see what happens. Thanks

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  • 3 weeks later...

definitley unenforceable and SB. Cabot dont deal with enforceable debts, and a 75% discount proves that conclusively. The best use for that letter now is for toilet paper.

  • Confused 1

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 xmas we need money for our drinkies party...

  • Confused 1

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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definitley unenforceable and SB. Cabot dont deal with enforceable debts, and a 75% discount proves that conclusively. The best use for that letter now is for toilet paper.

 

Thought so. Many thanks

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  • 1 month later...

had a call from Cabot at work today. asked my name i said yes and said she had to go through a few personal details before she could progress with the call. i said no. she then said when can she call back and said goodbye. Seems they are ramping up their intimidation.

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Use a diary to record every time your creditor contacts you, whether by phone, letter, or visit. This will help to show if you are being harassed.

Name of creditor or debt collection agency Date and time of contact Details of contact, for example, type of contact, what the creditor asked for and so on

:mad2::-x:jaw::sad:
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