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    • Hi, There is quite a lot regarding my current issues, I shall try be as clear and concise as possible. Dec 2008 - unemployed, applied for £250 credit card from Capital One. Jan 2009 - accepted for £1000. Credit card maxed in a matter of days mainly on gambling and drugs. Called after 5 months activation to remind them I was unemployed and the card was unaffordable. Some sort of payment plan arranged which was rarely upheld by myself, sporadic minimal payments. 2010 - credit limit raised to £1600 without my request. Again all spent on gambling and drugs. Vast proportion of spends on statement show gambling sites. Repayments often withdrawals direct from said gambling sites. 2013 - Mother pays off £1400, notes state student, zero income, unaffordable, mother cut up card. Me and my mother ask for account to be closed but this does not show in notes. Called back once to query any PPI. 8 months later promotional material sent to my door advising account has been upgraded, cashback offer, etc. I ticked the box and sent the form back. Requested new 'lost' card. Again spent completely on gambling £1600+. Many payday loans taken out to try pay back. StepChange charity seeked by myself and was paying them back. Had to cancel this repayment plan as I was again unemployed and it was unaffordable. Debt being chased by Apex. Debt returned to Capital One, they send a letter advising it is with them unless notified otherwise. 2016 - Debt sold to Cabot without notification. Apparently Cabot sent a Capital One headed letter through a third party printing company, which was not received. Oct 2016 - Dispute letter sent to Cabot. 2018 - CCJ issued. Call Capital One to request my application form as I was sure I was unemployed and thought I may need evidence for Court. Incorrect documents sent 7 times, speak to manager who suggests sending SAR and raised a complaint for me. Can't believe contents of SAR, various other complaints raised, investigated and rejected by Capital One. Clear written permission to take to Financial Ombudsman. March 2019 - Court, threatened with prison or full in AoE form. Form filled in. £50 a month taken from wages by Morgan Clarke. Disputes raised with Cabot, AoE eventually suspended. Query dispute letter with no response for over 2 years, CCJ is now offered to be removed but they intend to keep the AoE money and offer me minimal compensation. Now major issues with FOS. As some of the complaints relate to over 6 years ago, state they will not investigate, although Capital One have given consent for this, FOs believe this is not consent but a referral. Account balance stands at £1700+ although the value of account minus interest and other (some now illegal) charges, I work out £4.31. No fixed address, they have my mother's where I do stay sometimes, mainly stay at friends, sofa surf, etc. Lots more issues and lots of evidence. Don't know where to turn.  
    • Is there an angle regarding the Consumer Rights Act 2015 ("CRA")? Assuming it might be unfair for Royal Mail to hide behind not entering into a contract for the purpose of limiting their liability.   From 1 October 2015, the CRA covers all aspects of unfair terms in business-to-consumer contracts which had previously been covered by UCTA and the Unfair Terms in Consumer Contracts Regulations 1999.  It deals with implied terms in relation to the quality of goods and services, including digital content, and regulates attempts on the part of a trader to exclude its liability for breach.  The CRA also introduced a "fairness" test.  Any term which causes "a significant imbalance" in the parties' respective positions, to the detriment of the consumer and in a way which is contrary to the requirement of good faith, will be regarded as "unfair".   A term that is "unfair" is not binding on the consumer, and the consumer can treat it as struck out of the contract. The remainder of the contract will stand if it is capable of doing so according to the usual principles of severability.
    • scan or keep everything they have  6yrs. do not move without informing them.    
    • Just an update.. Final Payment was due 19.11.2019. Its now 18 days since then and no letters or mails. Not sure if they have given up or are spending time thinking on other ways to threaten... Thanks for following this and I hope it helps anyone else facing the same issues..   Rgds Tom
    • I did notice it wasn’t from the actual Solictors who sent the pap form
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Singaporesmoke

HPH2/Cohen claimform - old Barclaycard debt***Claim dismissed***

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Thank you

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Yes, got it thanks, and hopefully covered all the angles.

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Fridays court appearance ?


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Best of luck then.....looking at the application alleged agreement..make sure you ask the Judge can he read it and can see the prescribed terms pursuant to CCA1974. Throw in the DN date error and the totals claims are in correct ...its a total mish mash.


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Thanks Andy and all the CAG team/contributors, your input has been excellent and thoroughly appreciated. I'll report back on the outcome ASAP.

 

Cheers

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Actually..... one last question. I'm going anywhere with it, just wondering. How does it fit with data protection - the DCAs going to the OC and asking questions? On mine, they reckon they spoke to Barclays about my complaint and was told it was settled. It wasn't of course but should BC be passing out data?

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Actually..... one last question. I'm going anywhere with it, just wondering. How does it fit with data protection - the DCAs going to the OC and asking questions? On mine, they reckon they spoke to Barclays about my complaint and was told it was settled. It wasn't of course but should BC be passing out data?

 

Yes if its been legally assigned to HPH2...they are now the legal owners and Data Controllers


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The verdict was in my favour thankfully.

 

It was no shoe-in and I shall duly report some issues that will be of value for future court attendance in similar CC/DCA actions.

 

Firstly, be aware..

. the judge ruled both sides in breach of not supplying WS on time. I actually called the court to ensure I was in time and they still got it wrong. The Judge said they shouldn't have given any response as its deemed advice. Hoist lost out big time as they didn't get theirs in to the court until 27 June and the LA for Cohen had no excuse. The judge said she kind of believed me, but it was still a breach but wasn't buying anything from Cohen simply stating "you're lawyers". Not very good ones apparently. So here are the explicit rules.

 

14 days before a hearing is 14 CLEAR days. It doesn't include the day of receipt. So, mine was today and I submitted on 23 June - 1 day late. You have to admit, 27th is a real pi55 take by Cohen and if I had been a day earlier it would have been a slam dunk.

 

Take note.

 

Further. Anything NOT in the WS isn't likely to get admitted.

I thought I was being a bit smart by holding on to bank statements showing payments to BC and Mercers.

 

The Judge was having very little of it and said it should all be in the WS, as she reads this the day before in prep - adding additional stuff is a big error, particularly if its really relevant. Paying them 2 grand was really relevant and I'm not sure it made any impact today.

 

Regarding the non compliant agreement,

the judge was behind the argument

but Cohen chipped away at

"the defendant agrees he has an agreement, so its really one of quantum".

 

As per my WS I persisted with the issue of the agreement being in a prescribed format/s61/s127.

 

As it happens,

my court notes had Wilson V Hurstanger on it.

Neither the Judge or Cohen had heard of it

 

when we were stood down the judge took my notes into her chambers and asked if she could keep it. Could hardly say no could I!

 

After banging away at the Agreement non-enforcement the Judge was getting bored with it.

I introduced the defective DN and she really didn't want to know about that.

 

Said as far as she was concerned it was not defective on the issue of dates and begrudgingly took notes on lack of Creditor details etc.

 

After being stood down for 20 mins the judge gave her verdict.

We got an earful again about breaches and threw Danton at us.

 

Erred on my side on the WS being late.

The Judge said in her opinion there was not a signed agreement and certainly not one with account details that were able to be tied to other documents.

 

On that event alone, she found in my favour.

 

As a passing note, she mentioned that if I am ever in court again and using precedent as evidence it needs the full case details (Wilson). Point taken.

 

Cohen/HPH2 weren't represented by the guy who wrote the WS and although the "rep" did interject frequently the Judge did remind her that she was not a witness and therefore could not add to the WS

- She mentioned that before discovering that their WS was very late.

 

Pleased its done and in my favour as per my earlier line,

its not a given in any respect.

 

My WS needed to have more data and information. Live and learn.

 

Have a good weekend everyone

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Well done......every District Judge is different (we call it the Judge lottery)...as is every case...some dont even read the case notes never mind the witness statement.

 

As in the following....

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?402888-Lowell-claimform-old-CAp1-card-debt/page8

 

Good result and your very welcome Singapore...thread title amended to reflect the outcome.

 

Regards

 

Andy


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Interesting as this is what the sol mentioned to my judge

He wanted it looked at as quantum

Will have to do a bit of research on this Wilson stuff

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Well done......every District Judge is different (we call it the Judge lottery)...as is every case...some dont even read the case notes never mind the witness statement.

 

As in the following....

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?402888-Lowell-claimform-old-CAp1-card-debt/page8

 

Good result and your very welcome Singapore...thread title amended to reflect the outcome.

 

Regards

 

Andy

 

Thanks Andy and all at CAG. You can add another one to an impressive cv.

 

I'll add a couple of other anecdotes too.

 

Firstly, the Cohen rep, charming as she was, would have sold her mother for the price of a mug of tea.

 

She hadn't read the notes/WS either and asked me before I went in if there was anything we should discuss. I said no but I did show her evidence of the payments.

 

She was about to call HPH2 to take advice, I suspect probably to call it off.

As it transpired, the judge came to her defence by not really allowing the evidence to be submitted.

 

Secondly, the issue of First Class post v Second Class post was going nowhere.

I had read that s7 Interpretation Act made clear ref to 1st class being +2 days and 2nd class +4 days and if not referred to as 1st Class post it is by default 2nd class.

Might be BS or wishful thinking but that wasn't something I could draw on in court.

 

It seems from having a gentle chat with Cohens that if you pick a specific issue and run with that rather than have 4 or 5, like I had.

.. there is a better chance of arguing a point.

 

Lack of clarity in all aspects of the Agreement won the day here

- They don't have old copies of agreements,

but be prepared to stand firm with

"I don't recall ever signing an agreement", so how I can I contest a simulated copy etc.

 

If anyone has any questions I'll be happy to answer where I can.

 

Cheers.

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Hi I've been reading and not understanding how does the Wilson work my judge adjourned the case to be brought again next week

The sol said he wanted the same as you looked at as knew of quantum so I'm just trying to be as prepared as I can

Tia

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Hi Copier.

 

In a nutshell,

as I had made several payments after the DN had been presented and I had a complaint in to BC about fees/Interest that shouldn't have been attached,

 

my first stab in court was that the debt had been extinguished by agreement with BC and the DCA were punting it.

 

Unfortunately, I didn't include the bank statements in my WS

(I didn't have them at that point - genuinely)

but the Judge was really prepared to admit late evidence, so they kind of "hung around" in suspension.

 

When asked if I had any other defence,

I launched in to the well trodden area of not having a true copy of the agreement in the prescribed form.

 

Indeed, the copy presented as a pigs ear of an event put together by Stevie Wonder after a very large night on the gin.

 

The judge ummed and ahhed a bit but I kept pushing the point that without the proper agreement it was unenforceable.

 

Clever sods Cohen mentioned Carey and I countered that and then gave Wilson, which clearly states that if its not in the prescribed form its unenforceable.

 

I was told that also should have been spelt out in the WS, quote the case, date, and Judge if you use it, and I would if I were you, although it looks like you might already be in play, so get prepared.

 

Their argument to me on quantum was based on the fact that they didn't need an agreement as I had acknowledged that I had an account and had used the card.

That needs shooting down if they try it.

 

 

Its not the issue of whether you had an account of not, they are bringing the claim and have to prove it. If you made your application for a copy and they didn't supply, hammer that too.

 

Bottom line is, Wilson spells it out but you have to make sure its clear what it is you are stating.

Check out prescribed terms requirements.

 

Good luck. Not easy but hang in there and you'll be fine.

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Thankyou Singapore

my judge hammered them and only then the rent a sol say he wanted it looked at by quantum and handed her some documentation which I didn't see

 

just wanted to be prepared if he try to again would I need the full case if I were to take it I already have my ws in but if she was going to accept his I see no reason why she shouldn't accept mine

Tia

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The rule is simple.

If its not in the WS then it shouldn't be allowed as evidence.

 

 

In Denton,

you can apply for relief if you have forgotten something but it has to be material.

 

 

Judges can allow anything they like but as in my case, presenting proof of payment on the day of the hearing went down like a lead ballon.

 

 

If the other side have presented something to the judge they have to allow you to see it and they have to apply for relief.

 

Wilson is also a simple issue.

If there are no true copies of the agreement in the prescribed form then the agreement is not enforceable. Keep that in mind.

 

The other side in my case kept saying that they didn't need the agreement as I had admitted there was a CC in place and I had used it, which is utter nonesense. Don't fret.

 

Did they present an agreement? if not, ride that wave all the way and even appeal it on that should it not go your way.

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Hi Singapore

 

Only produced a one in the ws but not in prescribed terms

the judge had hammered them 3 times saying they had not

so that's why rent a sol said look at it in quantum

 

However I've managed to find a email from them stating the goods were on a buy now pay 12 months Debt was sold 10 months in and they claim it wasn't on a buy now

 

Also my payments were allocated to a old account of mine closed 12 years ago how could I get a old account number

I think it was fiddled when they changed names

 

Also the sol in 2 ws also gave the wrong account number

so that gives 3 accounts

the original

the one I paid when they changed name

and the sol wrong one

 

 

all pointed out when I sent the new evidence in

 

Only thing I havent introduced is the Wilson thing

but I'm willing to point out she allowed rent a sol to hand documents over for when he said quantum so I should be allowed

Thanks for this I was feeling lost with it all

 

Yep it was section 78 the judge had said they haven't complied with

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How did you go Copier? Thought you had the hearing this week. Hope it was good news for you. Cheers

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