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    • so wont this thus be a totally useless restriction k andy?  
    • so you have 34 pdfs what is the size of a typical file in MB's or KB's.  
    • If he was paying a Solictor by the hour I'm sure he would be more engaging....we offer this service free of charge in our own free time.   He needs to engage and fast.   Defence due Friday 11th Dec by 4.00pm   .
    • Applying for a charging order involves two stages: the interim charging order and the final charging order. Interim charging orders If your creditor decides to apply for a charging order: Your creditor sends a form to the court along with proof from the Land Registry that you own, or jointly own, your house If the court agrees that you own a share of the property and a charging order is allowed under the rules above, you'll be sent an interim charging order on form N86 and a copy of the creditor's form N379. These show the reasons they've applied. This is also sent to your spouse or civil partner, any other joint owners of the property and your mortgage company or other secured lenders A restriction will be placed on the Land Registry, stopping you from selling your house until the final charging order hearing. You will get a form B136 from the Land Registry telling you this has happened. You don't need to reply to this form The interim charging order is issued without a hearing. If you do nothing, a final charging order will be issued 28 days later. If you want to object to the final charging order, you must write to the court and creditor within 21 days of receiving the interim charging order. The court may then arrange a hearing to make a decision. Reasons to object might include: The property doesn’t belong to you, and you are not entitled to a share of any equity in it The CCJ happened before October 2012 and you’ve not missed any instalments set by the court The creditor has not followed the application process correctly, for example they’ve not informed your spouse or civil partner You can also write to ask the court to set conditions on the charging order. One condition that we recommend asking for is an affordable instalment order, if one is not already in place. This is where the court sets a regular payment. If the court agrees to this and you keep up with the payments, the creditor will find it much harder to take further enforcement action through the court. If no instalment order is set there’s a risk the creditor could take further action, for example by instructing enforcement agents (bailiffs) to visit. If your CCJ was date 1 October 2012 or later, an instalment order which is up to date also prevents the creditor applying to force the sale of your home. Final charging orders For the second stage of the charging order process, if you’ve not made any written objections, a court officer or sometimes a District Judge will decide whether to make a final charging order. If you wrote to the court and creditor with objections, or you requested other conditions are applied, the court may arrange a hearing to decide whether to make a final charging order. The hearing will be at your local County Court hearing centre. The hearing will usually be in private chambers with a District Judge and normally a representative from the creditor. The judge will listen to both sides and decide whether to make the final order or not, and what conditions if any are to be applied. Once a final charging order is made, you’ll get a letter from the court confirming this on form N87.   Regards   Andy
    • 100% agree Andy, will try again. TBH, I did expect a little more info from him.
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Cabot Chasing a Goldfish


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Pretty sure it was Barclays......they also bought Morgan Stanley Dean Witter CCs.

 

Andy

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Pretty sure it was Barclays......they also bought Morgan Stanley Dean Witter CCs.

 

Andy

 

Yep, a quick forum research shows that Barclaycard took over these accounts.

 

If the debt is more than 6 years old, without any payment or acknowledgement, i think i would send Cabot a statute barred letter first.

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they've no change in hell of getting an enforceable goldfish agreement.

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 this on your credit file

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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why?

what old wives tales have you been reading?

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

that's got nothing to do with your credit file

you are there anyway

and you looking at it does not show to anyone anyway listed on it

 

I hope you've not being doing the other things that certain stupid websites advocate

like not registering on voters or tell creditors you've moved?

 

I wouldn't of paniced and sent them a CCA either on 12yrs old debt.

 

so they have your address now anyway

so what the point in not looking at your credit file?? stupid logic there too.

 

just remember

a DCA is NOT A BAILIFF

they can do nothing more legally than you or 1

 

that's issue a claimform if they think they are owed money

 

go get it

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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Thanks for the advice. I didn't panic, Cabot have been chasing me for years. I CCA'd them on a BOS debt so I suspect they think they can apply pressure on this debt as well.

 

I've just checked my credit file, nothing on there. What does that mean, that it's dropped off after 6 years?

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probably that it was previously defaulted.

 

 

All references to a defaulted debt must be removed from your credit files after 6 years

has passed from date of default, whether paid off, paying now or not.

.

{the WHOLE ACCOUNT WILL VANISH, never to return}.

.

{however, this does not mean the debt itself is not still owed

consider a CCA request.}

.

This is so that someone who continues paying something

- even after 6 years from default

- should not be at a disadvantage to someone who pays nothing after default

and ends up with a clean file after 6 years.

.

 

 

just remember in E&W a SB'd debt still exists

the owner can ask for payment

you can equally ask them to go away...

 

 

best to ignore them mind

 

NOTE: {the bracketed text is not ICO guideline but my advise]

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

I got my postal order back from Cabot today with a letter that said:

 

"Unfortunately, it appears that Goldfish are unlikely to be able to provide the requested documentation. Therefore, I can confirm that Cabot Financial Limited have taken the decision to no longer pursue collection of this account.

 

Please note that this decision is not to be confused or interpreted as a write-off of the outstanding balance on your account as the debt legally remains. In addition, I can confirm due to the time elapsed this entry should no longer appear on your credit file".

 

 

I'm guessing they'll sell this to some other DCA, is that the usual course of action?

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Guest Mrs Hobbit

yes, they will have a sale and get rid of what they can't collect on. I guess you will eventually get a letter in the future from another bottom feeder.

 

if a new bottom feeder does get in touch, just send them a Statute Barred letter and let them do what they will.

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well I wouldn't

 

next time just ignore them...don't panic and fire anything off without coming here FIRST.

 

then you wont be entering into pointless letter tennis.

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
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