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Nolans/Cabot SPC Claim - old LLoyds Loan

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Hi, I've received a letter "NOTICE OF INTENTION TO ISSUE A SHERIFF COURT SUMMONS"

 

alongside a booklet from accountant in bankruptcy.

 

I assume that I will be receiving a summons shortly, any advice?

 

Thanks in advance, didn't expect this

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Tell us about the debt please


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Sorry, it's a lloyds tsb loan £1100 opened in 2009 and the default is mid 2013.

 

Cabot only appear on my credit file 11 months ago. It was originally Moorcroft with letters late 2013 not sure what happened in between.

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Why did you cease payments?

How much are they trying to fleece you for?


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I had lost my job at the end of 2012, receiving JSA.

 

I had a few creditors all of which I was giving token payments too

then I started getting letters from debt agencies,

 

I ended up moving to another area for work and just sort of put it at the back of my mind... :(

 

The amount owed is 1100 (plus the threat of courts fees etc)

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Have you ever written to your creditors and told them you'd moved?


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Opps

So what you have is in fact a phishing letter

They are hoping you don't red

One then they'll serve it to your old address

 

Now, were all your runaway debts taken out whilst you were resident in Scotland first please


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They were yes, I'll still get wind of anything going to that address. I am on the electoral roll at this address and on my credit file due to a joint account with my wife.

 

I'm not really sure what I expected to happen, been most naive.

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No that's all OK

Court summons must be served in person up here unless there are exceptional circumstances

So they can't get a backdoor degree

 

Now

Does the letter actually say will anywhere?

I bet it don't

I intend to to go to old man o sky this fall

If I do is a totally diff matter

 

Just remember

A DCA or their fake/tame solicitor s are

NOT BAILIFFS

And have no more legal powers than you or i


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Hi, sorry for kicking up this old thread but I received a simple procedure notice of claim, shall I create a new thread?

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No this is your thread


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

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

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sorry made new thread instead of post.

 

please delete

Edited by digadood
messed up

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name the issuing court: inverness

 

Who Is The Claimant: Cabot

 

Who Are the Solicitors: Nolans

 

What type of action? (Simple/Ordinary): simple

 

What is the claim for –

 

on 10/11/2009 the respondent entered a fixed-sum loan agreement with Lloyds TSB BANK PLC under wich the respondent borrowed from them a sum of money repayable on demand.

 

The said agreement was an agreement regulated under the Consumer Credict Act 1974..

The Respondent failed to pay as agreed on demand and is in breach of contract with the said Lloyds TSB BANK PC.

the said supplier assigned all rights in the said debt to CABOT FINANCIAL UK LIMITED on 24/06/2016 and the claimants have advised the respondent of the same.

the last payment was made to account on 12/02/2014 the said sum of £ 1109.69 is the sum sued for. The claimants have made frequent requests to the respondent to make payment of the sad sum but the respondent has refused or delayed to do so.

 

type out ALL the text [minus pers details] [D4 BOX SPR FORM]

 

Date of agreement 10/11/2009

 

Ref Number ****

Unpaid balance: £1109.69

 

Repayment on demand.

 

NOTE THE EXACT WORDING IS EXTREMELY IMPORTANT TO YOUR CASE SO GET IT RIGHT.

 

Last Date Of Service:- 14/12/2018

 

Last Date For Response:- 04/01/2019

 

What Documents are listed in Box E2:[or in your form requesting the same?]

 

1. agreement dated 10/11/2009

 

the debt is for a Loan

BOX D5 what has the claimant stated: The claimants request that the court order the respondent to pay to them the sum of £ 1109.69

 

from your knowledge: answer the following:

 

When did you enter into the original agreement before or after 2007? after

 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Sold to Cabot

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? I knew it had, don't recall any notice of assigment

 

Did you receive a Default Notice from the original creditor? not that I can remember

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I don't think so

When was you last payment:- i'm unsure late 2013

 

Why did you cease payments:- lost job

 

Was there a dispute with the original creditor that remains unresolved? no

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? I had originally used stepchange for a while

Edited by dx100uk
format

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Go ring Lloyds and ask the last payment date please


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I've called lloyds and the automated system says my details are for TSB and gives me the number for them but the details aren't recognised there.

 

I guess i'll just need to find a better number, am I better speaking to a human on the Lloyds bank side or the TSB side. I'm not really sure how the split went.

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Can be a pain

Keep trying

Just remember the harder it is for you to findout..it will be double that aggro for cabot!!

 

Dx


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I have to go to work now, but i'll give it another shot on my break.

 

I had a look through my old statements and the last I can see I sent money to lloyds was FP 24/10/13 . I can see a payment to moorcroft 07/02/14 but I can't recall what that was for....

 

eek

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That in the ballpark then given say a few days to clear..

God why were you blindly paying moorcroft..they dont even buy debts just chase...

 

Dx


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I had set these up while I was living with my parents, they were phoning at all hours and it was worrying them. So I just tried to stop it, I know better now sadly.

 

 

My dad would often email me the odd letter they sent and it seems moorcroft was for another Lloyds account. I'm still not having much luck contacting Lloyds.

 

I had an overdraft with them too and that's currently showing on my credit file as still being owned by Lloyds themselves. Will I be shooting myself in the foot contacting them?

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no cant reset anything

 

you don't have to do anything on this till after the new year

4th jan

 

however im conscious that as that's so close to the holiday period you might totally forget this!!

 

take your time

go get that info

you've even got time to send a free sar to various places like Lloyds

tsb etc etc

and still get the info back time to respond to the claim.

 

but whatever you do.

YOU DO NOT UNDER ANY CIRCUMSTANCES contact the fleecers or their dogs nolans.

 

be aware that you MUST take extra care with nolans in not revealing email or phone numbers to them in anything you send do or say.

nolans are masters at pulling crafty stunts like sending important docs purposefully late by email and claiming legal service by email is ok or even by phone

or even sending fake spoof letters goading you into believing what the court says or soes it wrong.

 

your best way to kill them dead is to prove this debt is statute bared

cabot always forget Scotland is 5yrs extinguished dead gone parrot.

 

read the numerous spc claimform threads here already in this Scottish forum

the more you read the stronger we become.


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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

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I eventually got through to someone who could help, seems i'm with TSB.

 

She said the last payment she could see was 06/06/13 but since it was "written off" she couldn't see anything after that advising that she would put me through to collections to see if they knew anymore, then of course the call died and i've been on hold for a while now.

 

I can see that I made that later payment in October though and digging through emails I seem to have had two different moorcroft numbers but I seemed to be making payments to only one. which one though, I don't know but I have a very bad feeling...

 

I will send off the SAR to TSB today and I have been reading similar threads for an idea of how this will work.

 

Just gotta keep positive!

 

I appreciate all your help

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well done keep digging.


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

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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

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I got through to collections who passed me onto recovery and as far as they can see the last payment was june 13 for £2 and the balance is zero so i'm sort of at a loss as to where to look now...

 

I know I did send another £2 after that, and it never got returned so that's a bit ominous. I can't really go ask moorcrap..

 

I guess the SAR will maybe shed more light, hopefully they respond quickly.

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