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Hi, hope someone can help.

 

This is in regards of a 'stayed' case from August 2016 Via the County Court Business Centre.

Cabot/Restons

At the time I requested documents those being:

 

1. Agreement/Contract

2. Default Notice

3. Assignment

 

These never arrived within the period of 12 days, then a further 30 days.

I went on to deliver my defence and ultimately the case was 'Stayed'

 

Present day:

I have just received a photocopy of a credit agreement with spreadsheet statements from Cabot who now which to 'discuss the options available for this account.'

 

My initial concern is the photocopy of the agreement, in that it has clearly had something stuck over part of the section 'YOUR SIGNATURE REQUIRED' with what clearly looks like a faxed signature of who ever was signing off on the agreement, although I am unsure if this is normal practice?

 

Also the spreadsheet is very basic with no opening balance/closing balance or written indication to the amount of initial credit and whether this was increased/decreased over time during the period of the agreement?

 

Per my original request during court proceedings they have not supplied 'Default Notice',

'Assignment', although I'm sure this would be a request I would make again should the 'Stay' get lifted and it goes back to court.

 

Any help in this matter would be most appreciated.

Thank you.

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Thread moved to Financial Legal Issues Forum...please continue to post here to your thread.

 

Could you possibly scan and redact what you have received and post here?

 

 

Andy


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Hi Andy, thanks for the quick response.

 

Is that all documentation including spreadsheets and agreement and if so I assume I would scrub out any names and AC No. and the like?

 

Cheers.

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Hi Andy, Ok here are the scans of two letters (came in same envelope), pg1 and pg2 of agreement, one being the signed page. I did notice that the signed page looked like it wasn't part of the rest of the agreement as the text was of poor quality, yet all the others where easily readable. If you want the rest let me know. Also have done an enlarged section of the signing area, where clearly something isn't quite right?

 

Thanks again for your help.

cabot_restons2018.pdf

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Read upload and put them all in one multipage pdf please and attach else well be here all day downloading single page downloads


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Where's the rest of it?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Sorry I'm confused, apart from the 5 page pdf attached what else did you want to see? and I'll sort it.

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the rest of the CCA return - that's not compliant - lots missing.

so that's all they sent?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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thread tidied


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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It does look like an overlay...but thats irrelevant if your signature is correctly positioned....the fact that their signature is there is to simply execute the agreement on that date.

 

Creditors used ink stamp to execute for speed

 

Can you recall the date you signed it ? It stated that it must be signed and returned by the 31st Aug 2012....the overlay executes it on the 3rd Aug 2012.


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OK, updated with all agreement pages.

 

It includes the first spreadsheet statement but does not show initial credit limit or any changes to that during that period.

Also no statement of of how the figure they've come up with was reached.

 

Can't remember the date of signing, although the spreadsheet would suggest within time.

 

Again thank you, let me know if you require any info from the original case or anything else for that matter.

CCa return.pdf

Edited by bigtrouble2017
Requested info

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Hi, just wondering if anyone has had a look at the pdf and have any thoughts, suggestions ? thanks.

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doesn't sit right with me

says unregulated credit agreement with an application form.

lots of charges and ROP to reclaim there too!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Its Regulated by the CCA1974 ?


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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doesn't sit right with me

says unregulated credit agreement with an application form.

lots of charges and ROP to reclaim there too!

 

Its Regulated by the CCA1974 ?

 

Ok, so sorry but what does that mean for me?

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doesn't sit right with me

says unregulated credit agreement with an application form.

lots of charges and ROP to reclaim there too!

 

wrong word there... the T&C page 4 says unexecuted ..


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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OK, not sure if your referring to pg4 of the agreement or pg4 of the pdf? if you are referring to pg4 of the pdf, this to me is illegible with parts of the signature section obscured by a stuck on overlay. Would I be within my rights to request a legible copy of the signed agreement showing my own written representation of the date and other possibly important information that has been masked out by the overlay? Why would they not have a second signatory box for the person signing off on the agreement?

 

In reference to the ROP this seemed to stop 6 months in based on the spreadsheets.

 

Thanks again.

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