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    • Thank you everyone!  thought to share some points from my experience in court today that may help others who are taking Evri to court: The judge sets out how the hearing will go and how each party should behave; while i was certainly feeling anxious/nervous ahead of the hearing (and I'm sure @jk2054 may have also observed this), the judge really does try to put any non-legal persons at ease; refrain from talking to the other party and instead speak to the judge if you have any questions/responses; the judge and the advocate spoke about tort of negligence - i wasn't sure how this applied to my case but the judge was questionning the advocate about this so i chose to stay out of this; the judge made reference to a historical case of Donaghue v Stevenson which established a duty of care; the judge observed that some of the points in Evri's witness statement by george wood needed cross examination but george was not present today for questionning; While i was claiming 8% interest, the judge pointed out that is the upper limit and that today, savings accounts give 4-5%. I therefore opted for 5% interest which was agreed to by the judge and the advocate; above all else, ensure you know your court bundle and have any notes to help you refer to specific sections - it helped me to structure my answers to the judge/defendant's queries, and point to specific evidence where i was asked to prove e.g., the value of the item. @honeybee13 - yes, will confirm when payment is received. I have emailed the Evri.claims email with my bank details and also provided them after the hearing to the advocate. @BankFodder message received and i am replying to it
    • Looks promising then.  Well done   Dx
    • So a little update.  I sent a complaint to ico and have heard nothing. I just got the general reply email and that's it.  Sat twiddling my thumbs and thought about what I should do next. I searched for the CEO of Studio but then found that he'd left so as keep getting letters from studio about the arrears etc. I thought I'd email the David Twigg. Sent him all the bumpft and a copy of my original complaint and sars request.  Got no response. So didn't know what else to do. Then I thought I'd try through the financial difficulties option on the online form. One last try before I just give up and let them default me.  Then on the 5th June. I got an email from their customer services. That the items that had gone AWOL have all been cancelled. Nothing else on that email, so I had a look in an email account that I don't use anymore and there was an email from the customer service.  That they were sorry for the problems I've had for the last 9 months. That the sars info was emailed to me on 14/04, it wasn't I've kept all spam and deleted emails on that account, they have raised a complaint with their studio pay team regarding the issues, balance dispute, fee's and my credit file. They are hoping to resolve in 3 days but they have upto 56. They also said in regards to my other issues I have to raise a complaint with studio retail but haven't told me how I do that.  The sars info only goes upto the end of December 2023. It has my previous complaints on there but nothing after so I don't know how I get hold of that information. Luckily I've kept copies of every time I've contacted them. Every web chat or social media contact.  Apologies for the extremely long post but I wanted to add everything I could just incase.  I have checked my account balance and it's still minus 900 odd pounds but I'll keep checking to see if it's all cleared and on my credit file.  I'm hoping this is the end of the whole debacle and they close my account because I never want to do this again. Although it's been a learning experience.  Thanks to dx100uk for pointing me in the right direction. Much appreciated.   
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    • If you want to cause DCBL trouble, then complain to the SRA.  It would be even more fun if mystic_bertie would complain at the same time, to show the SRA there is a pattern.
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Cabot to Robinson Way - Old Natwest 2013 Credit Card Debt


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Hi

 

I defaulted on a Natwest credit card in 2013.

I haven't made any payments to Natwest or any DCA since this.

I've had Moorcroft, Wescot, Cabot and now Robinson Way on my back.

 

Natwest have defaulted me on my credit file and I notice that Cabot have also done (using the same default date that Natwest did).

 

I've now recieved a letter from Robinson Way saying that Cabot have passed them the debt.

What does this mean and should I send the CCA request?

 

Is there any hope in getting the Cabot default removed as I have never acknowledged the debt in writing to them

- the only communication I have had was a couple of loose conversations about a F&F offer (about 35%) which they clearly didn't accept.

 

I also don't want Robinson Way putting a third default (albeit with the same date) for the same debt!!

 

Would appreciate anyones help as how to proceed as it's hard to keep up with.

 

 

I was prepared to make a full and final offer to Cabot,

so am not opposed to making one to this new lot,

but am confused why Cabot have defaulted me and then passed the debt on.

 

Thanks :)

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Hello and welcome to CAG.

 

When did you take this card out with Natpest?

 

As for your credit file, ONLY the name changes, the date will always stay the same, you won't have three separate defaults for the same debt.

 

Although it won't be unheard of for multiple entries being entered for the same debt.

If that is the case then you need to contact the credit ref company and tell them that the data they're processing is inaccurate and needs changing.

 

If they have offered you a discount, then alarm bells should be ringing, are there a lot of fees & charges on this account?

 

They can all be reclaimed under the hardship rules.

 

Have you got the full histroy of this account?

 

Lastly, keep EVERYTHING in writing, DO NOT be drawn into any telephone conversations with anyone regarding this, if they ring, laugh and hang up.

 

Keep a diary of events also for your records.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi Bazooka Boo

 

I took out the card in 2011.

From what you say, the default from Cabot shouldn't be on the credit file as there is already a default from Natwest? Apologies if I am being a bit slow to understand.

 

The balance is approx £2133.

There are not many charges on the account

(relatively speaking and I would safely say these are under £100).

I din't have the full history of letters from each DCA.

 

What would you suggest doing as the next step?

I would quite like to have the weight of this off my shoulders and could afford a F&F payment of about 50% (gift from relative).

 

 

But obviously I want to try and restore some normality to my credit file.

I've not had any late payments or other defaults apart from this Natwest (and Cabot) one!

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Well, now the default is on your file, there it will stay for 6 years when it will auto drop off never to return, paid or not!

 

A F&F payment won't help in the slightest, no matter what they purport in their puerile missives.

 

The fact that it is doing the rounds is a good indicator that something is wrong with this 'toxic debt', otherwise the bank would have forced you to repay them, NOT flogged it on for pennies in the pound to a powerless DCA.

 

I think it might be a good idea to fire of a SAR (£10) to the bank and get the entire history of this card, and you can then look at how this amount is made up.

 

What's the last letter Robbersway sent you regarding this?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I know the amount is made up from approx £2020 of spending, then the remaining £100 or so is late payment fees leading up to the default.

 

No other interest has been added and the debt amount has always stuck at the same amount (£2133.20).

 

The letter I received from Robinson Way is the first I have heard from them.

It said that Cabot have passed the debt to them as Cabot have been unsuccessful in receiving payment for it.

 

Ultimately what I want to avoid is a CCJ.

 

Shall I ask Robinson Way for the CCA agreement and see what they have to say for themselves?

 

In the past I have also had a letter from Natwest which stated they had sold the debt to Cabot. Not sure if that helps!

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doesn't matter how many times the same debt is defaulted it does hurt your file any more than the one.

 

 

i'm puzzled...

 

 

what are robbersway [part of the hoist H2HP group] doing chasing a debt for another DCA that are not even part of their group?

strange bedfellows indeed...

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'm also confused why they are suddenly chasing it.

 

 

It says it has been passed on to them from Cabot

- presumably this means sold!

 

 

It is also accompanied by another letter from Cabot saying they have passed it on.

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ah no read the letter properly

doesn't say passed on

its been sold

you have a notice of assignment in your hand

 

 

that all makes sense.

 

 

though again strange the oc sold it

then a debt buyer sold it

 

 

so there mucho wrong with it somewhere that you've not spotted yet.

 

 

SAR time to the OC.

 

 

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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get all the statements etc etc

that will allow you [us] to findout why they sold it hopefully

and why its been sold around

 

 

typically, for a debt of this young age and value they normally go direct to court as they can see an easy win.

they are not, that makes me suspicious.

 

 

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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Share on other sites

So to date all you've had is a notice of assignment?

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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