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    • I see that at the start of your thread you said they hadn't sent a Letter of Claim.  And in fact in all the uploaded material there is no LoC.  This is great news.  Even were you to lose - you won't - the judge would chop off a chunk of the money for their non-respect of PAPLOC. However, I'm a bit confused as you've named the file name as a SAR.  Are you sure about this?  Did you send any other letters apart from the one dx advised which was a CPR request (not a SAR) to DCBL (not Group Nexus).  I'm not being pernickety, this will be important for your Witness Statement further down the line.
    • I didn’t say it wouldn’t. That is not the issue here. To continue driving after the licence has expired (under s88), the driver must have submitted a “qualifying application”.  An application disclosing a relevant medical condition (of which sleep apnoea is one) is not a “qualifying application”, This means the driver cannot take advantage of s88 and must wait for the DVLA to make its decision before resuming driving. The driver’s belief is irrelevant. The fact that a licence was eventually granted may mitigate the offence, but  does it does not provide a defence. But this driver didn’t meet the conditions. I explained why in my earlier post. He only meets the conditions if his application does not declare a relevant medical condition. His did. As I explained, after his birthday he did not hold a licence that could be revoked. In my view it doesn’t matter what it says. The offence is committed because his application declared a medical condition. Meanwhile his licence expired and s88 is not available to him. The GP letter would form part of the material the DVLA would use to complete their investigations. But until those enquiries are completed he could not drive. The offence does not carry points or a disqualification (because a licence could have been held by your father). It only carries a fine and the guideline is half a week’s net income. If he pleads guilty that fine will be reduced by a third. He will also pay a surcharge of 40% of that fine. But the big difference is prosecution costs: a guilty plea will see costs of about £90 ordered whilst being convicted following a trial will see costs in the region of £600.
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Cabot/Nolans scottish 1a Summary Claim - Merged HBOS debts **WON Decree absolvitor**


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As its not actual legal advise your require

but procedural advice you want

 

theres no problem with your ringing the Clerk to the sheriff's office and asking

 

all the ones I've deal with I think have only been 1a claims and simply were left sisted.

 

But you dont really want it left sisted....Discontinued or Abandonment would be more preferable

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Received written confirmation from Cabot on Friday that they've been unable to retrieve any details whatsoever regarding current account,

 

but statements about the CC sent to Nolans

 

but again don't think they have anything which disproves statute barred.

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This is all over the place now.

 

Nolans sent me a letter today re-iterating the comments about the 2 payment dates.

 

 

I called them and asked what information they had that Cabot didn't and they couldn't answer

- then tried to sweet-talk me into agreeing a sist for 4 weeks.

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all needs to be bought to the judges attention these shenanigans me thinks

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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it's been sisted till 3rd of March. Local Agent stood in front of the judge and claimed I'd agreed to the 4 week sist so that *I* could get the relevant documentation - quickly corrected them & told them Nolans asked for this but I hadn't agreed.

 

said they should think seriously about attempting to take this to trial should they not be able to get this information.

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that's better

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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Is there any merit in writing to either party involved here?

 

Cabot have told me that they have passed all of the account info they got from Lloyds onto Nolans, so either they don't have the info they need or they do & are sitting on it - I think it's most likely the former.

 

Also, is there any basis for me to counterclaim due to the amount of time they've wasted?

Edited by dx100uk
unnecessary previous post quote removed
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no let it goto court and then you can hit them for wasted costs or whatever it is in Scotland ...

 

 

I've a funny feeling the court can award you upto/the equivalent of 75% of the like fees they charged the pursuer

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 just had another letter fromantic Nolans

 

Included statements saying it confirms I made a payment on 25/6/12....said payment is a a bloody late payment charge!!!!! There are no payments whato so ever on the account within 7 years let alone 6.

 

Is there anything other than allowing this to go back to court I can do?

 

Cannot believe this mob..

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its what nolans do sadly

 

they used to be quite ok and shall we say 'towed the Scottish line' until about 2yrs ago and now are quite unreasonable and unfathomable.

 

then they started to change when they got involved with cabot and capquest and multiple claims on the go at the same time

its almost like their staff are told to just fwd out the stupid gaming letters and claims C&C make

they didn't used to wash up here but its now changing.

 

sadly one of the pitfalls of the pursuer no longer having to attach all their enforceable paperwork to Scottish claims anymore

 

I've got on up here my way

 

aug 2015 cabot/nolans claim credit card

produced no docs sisted for 3mts

 

back dec 2015 still no docs left sisted

 

since then they've found the docs aug 2016

monthly Nolan letters we are doing to lift the sist

nothing to 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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I checked through it all in more detail last night

- the statements are correct up until 2011 when they become a work of fantasy

- there's a £40 per month payment going to the card apparently even though DCAs were writing to me at this time -

 

I also found a letter I sent to Bank of Scotland in March 2011 saying how I couldn't make any payments so long as the interest wasn't frozen yet they are showing £40 per month payments during this time.

 

The bottom of the covering letter says

"We look forward to hearing from you" as they think I'm stupid enough to write & acknowledge.

 

I asked Cabot to forward me on the relevant documentation as well as Nolans & they haven't done it.

 

I'm assuming now I'm going to need to get statements from all credit cards/banks I had at this time to disprove it.

 

With regards to payments they've doctored on the statements

- the final one was February 2012

- is that enough for me to confirm statute barred given that 5 years have now passed since then for Scottish Law? .

..or would it be better if I disproved the false payments also?

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clock paused when they issued the claim sadly.

 

I wonder if you could get this thrown out

 

read this thread

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?453038-Ordinary-Cause-Summons-from-Cabot-Optima-Legal-for-£25k-BoS-loan&p=4798110#post4798110

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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Had a read of the thread - have just found out that my ex-wife may have made a payment towards the credit card piece for the final time in January 2012 which means I'm screwed.

 

Not really sure what the best way to deal with it is now..

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yes but they've gotta find that out

and prove it

 

you certainly don't tell 'em...

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 havent told us that before

so what other paperwork have they sent

the credit agreement?

 

and anyway that does tally with their poc

last payments were 24/06/2012 and 21/02/2013 respectively.

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 was giving the ex a set amount each month after we split & unbeknown to me she made a few payments to this, the last of which was Jan 2012.

 

Changes everything, I know..

 

only found this out over the past few days.

.they've fabricated several payments that occured afterwards

so I'm guessing I'm screwed & need to go to Nolans with my tail between my legs.

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no read my last few  posts andrespond please

you DO NOT ring cabot/nolans anymore either.

 

look at it this way

nothing has changed other than you know it MIGHT have been paid ONCE or twice

and that doesn't appear to match what they know.

 

so can we see all this paperwork they've sent you

please update us upon what THEY have 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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posted this last night but seems to have vanished..

 

I was sent the credit agreement & all statements for the credit card piece only.

 

It looks like my ex may have made a payment in January 2012 & the prior few months without my permission.

 

Last payment on the statements is February 2012. They also say on the front of the letter "please see payment of £12 in June 2012" which is actually a late payment charge.

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Scan the CCA return up please

Upload

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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then its bog roll

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

scan it up please as post 100

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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  • 2 weeks later...

Will do - have brought the stuff in with me at work today.

 

The thing with my signature is literally a one-page letter upgrading to the One Card with my signature at the bottom left.

 

Keen for everyone's thoughts on how to approach this next friday.

 

The rest of the documents are just statement after statement.

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