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Cabot/Nolans SPC Claim - old LLoyds Loan ***Claim Abandoned***


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well as long as the last payment is +5yrs before the date on the SPC its SB'd

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 I figured out the reference numbers things and i'm afraid it's the one I didn't want it to be. so this won't be statute barred for another few months...

 

why did I pay them... sigh.

 

I have been reading similar threads and I can see that all hope isn't quite lost yet but my wife is rather worried about any potential black marks for the future.

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you cant escape those now

I bet the debt is already defaulted on the credit file anyway.

 

but lets not worry about all that for now

its not important.

 

you can even agree a repayment schedule in court and you wont get a decree.

 

but as I say that's miles down the road yet.

 

pers i'd await that sar then comeback

 

you've nowt to do till just before the response date of 4th jan.

 

there are numerous SPC simple procedure threads here.

use the top red toolbar search CAG box

 

SPC simple procedure

 

wont hurt to get reading up.

 

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

Thanks dx!

 

I'll keep on reading more threads, i'll make a point do some research a little bit every day.

 

That's good news about the decree, that is what she is most worried about. It is defaulted on my CF 06/13, oddly the value on my credit file is £100 than what is on the SPC.

 

I'll await the SAR, I shan't forget.

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  • 1 month later...

don't forget this...….

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 haven't! I'm just waiting for a letter from TSB.

 

They replied quickly enough but they want me to go into branch to collect it so I would have expected that a few days ago but I guess the holidays mess things up ...

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what the letter about....conf of last payment?

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

Yes

Go ring them and ask where it is

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 have letters from Lloyd tsb collections with statement and default but the very last line is referred to Lloyds tsbrecoveries.

 

I have just got off the phone and they say they reached out to recoveries and external agencies but received no reply so there was nothing to include in my full dsar.

 

I would have thought there would be some sort of mention of debt collection

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stringing you along..

it part of the sar. a LEGAL requirement

 

give them 14 days to get their finger out or you will make a serious complaint against them with the ICO and seek financial compensation.

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've sent them an e-mail to that effect, tried calling over the weekend but no dice and I doubt i'll have much luck tomorrow...

 

As this is due by 04/01 and after reading threads I presume the best course of action would be to

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?476735-What-To-Do-Simple-Prodedure-Rule-Claims-Scotland(1-Viewing)-nbsp follow post 3 on that, get a CCA fired to cabot as soon as I can.

 

I feel a bit silly about it all, guess the CCA should have been done earlier I had just hoped the SAR would help illuminate things :(

 

Thanks for all your help!

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no nothing wrong with the course you are taking.

 

if the CCA was needed earlier it would have been advised.

 

the icing is the SAR, but ofcourse you don't want to reveal any of the to the fleecers.

but weighing things up, you appear to be indicating this cant be statute barred so no real worry.

 

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

OC's original number

but don't send the CCA until you've that response form ready to go.

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'm doing the form now, struggling to get all the text into the D1 section so i've made it a separate file that I will attach. I assume the court will be happy to receive it via e-mail?

 

Shall I just include the CCA and postal order with a copy of my response to nolans?

 

I was going to post and respond tomorrow as the last date is the 4th

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No royal mail

 

Read the guide

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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Email to court is ok yes

CCA to Cabot!!

1st class with free proof of posting from any p.o. counter

 

Do not email nolans copy reply form use as above

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

Got everything printed out today, will check it all over before I post it later.

 

Thanks for your help.

 

Received a reply from TSB this morning, they have contacted the departments again for a thorough check and they came back empty handed. Suggest I send a SAR to Lloyds, which I already have done. They ain't got anything either.

 

 

Just seems strange, clearly my information got passed on. Why isn't there any record...

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ok well you've done your best

 

look at it this way...

in your reply form you are disputing the balance..

if you cant get the info

then nolans wont be able too either!!

 

so if all else fails, which I doubt

they will have to explain when and how payments wee made esp as you are disputing the balance.??

 

- - - Updated - - -

 

what bank account did you pay the loan from?

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

They were paid from a bank account held with them too. I've got the statements there, I had sent some token payments from an rbs account after.

 

The information I have from the SAR had loan statements up until mid 2013 where it just ends with the line passed to Lloyds tsb recoveries and that's that.

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the sar should hold all your BANK statements too

its not just limited to the loan

its ALL dealing with the group

so do you have the bank statements?

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... 

Link to post
Share on other sites

Sorry, I'm not explaining it well.

 

The SAR contained bank statements for all my accounts, a separate section labelled information from our internal systems and a section from the loan department.

 

The part I'm querying is the last loan statement ends sent to recoveries but I don't have any information from that department.

 

As far as I can see everything else is correct.

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you were trying to confirm last payment

your bank statements should do that....

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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