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MEIII [CABOT]/Nolans SPC Claim - old Yorkshire Bank Loan *** 2nd Claim Dismissed***


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No, the Sheriff didn't award any costs at all. He did ask me if I had incurred any but didn't think a CAG donation would cut any mustard with him so i'll happily suffer that myself.! :-)

 

I didnt think so...title reverted back to my amendment. :wink:

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Their representative suggested that they needed 30 - 60 days to acquire the relevant documentation Andy, I have a feeling that's when the sheriff lost interest.

 

We've now had 2 bailiff letters delivered to the door and they've had to pay a local 'very qualified and respected' solicitor twice to appear for them. Surely when their costs are capped in the event of success they must now have to take a holistic approach to the matter??

 

Debt was under 2 K which they will have bought for around £225...so they must if not already passed their threshold to make any profit on this lemon.

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You said in your pm you got expenses?

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 will guess it was not nolans but a local rep

They cost £427 per appearance

 

Dont get confused either...

Scott walker or the other lot that came twice to you door are not bailiffs. No such thing in Scotland..they are sheriff officers

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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£427...!!! I had been thinking a hundred quid max.! My case was dealt with first and I was out the door in ten minutes. Yes a very well respected local solicitor (not junior)

 

If she does charge 427 then her bill alone will almost cost the alleged debt.! Thats without N0lans bill...

 

I'm guessing the Sheriff Officer will charge as well though?

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no you are not understanding the processs

SO's are paid for by the court and sent by the court

it part of the service the claimant gets when they issue a claim.

 

nothing to do with the claimant, nor nolans

 

the process is diff in Scotland whereby claims must be served by hand not in the post.

 

you got heard first as it was a CMD

its nice to see the sheriff you had sit up and listen, that's rare for him

usually doesn't go with the respondent ever on civil debt to DCa's

probably the 1st time hes met this argument [i'll bet on that]

 

the other one is yes away on holiday.

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

and the rest - but these are typically done in bulk at a central court.

don't forget nolans didn't appear they used a the local rep.

 

I know the rep costs [well advocate costs i think its called but as you've spotted its just a local court one]

as it was explained to me by that other gentleman you met on one of the other cases I've deal with.

 

they nolans/cabot] ran a case for for 2 years with 8 hearings!! the debt was only £1300 they lost but would never have gotten all the costs back even if they won!! stupid

but nicely punishing for them.

since then the number of cases up here with them has gone from an avg of 20per month down to less than 5 and they are mostly oridinary causes [+£5k claim] where they can get all costs back from the respondent/defendant]

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

Isn't it madness.! Surely someone at ME III or Nolans is keeping tot of the costs so far and makes a decision to bin it when, in the event of success, the debt wont even recoup the costs??

 

I think their costs are capped at £150 or thereabouts even if they are awarded them.

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its a numbes game

in E&W 750'000 speculative claims are issues every year

not sure about Scotland.

 

85% are not even defended/contested and are won by rubberstamped default.

15% are defended in some way.

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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  • 6 months later...

cunningly disguised begging letter me thinks.

 

 

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

post 152 sums it up nicely..

I never believe anything nolans say.

they are a bit link restons

pull any trick they can to try and fleece people

in your thread they are arguing they don't need a DN

in another they argue that a DN is so important that having it over-rides the need for the signed agreement which they cant get....

little darlings

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

Would it be prudent for me to respond in writing to them?

Even just a statement of my disappointment that they disagree with the Sheriffs assertions and timescales?

If nothing else it would cost MEIII more money for N0lans to respond?

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Can't see the point..simply invites pointless letter tennis..and poss gives them some sense of worthiness..

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

I think Nolans need to reread Section 87/88 CCA again...its irrelevant if the loan period has now expired...the breach when it was live and still requires a default notice to be served before they can sue

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 The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

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  • 2 months later...

OK, so I ignored their offer in March.

 

I have started getting voice messages from an authoritive sounding Glaswegian fella who does not tell me what company he is from or what he needs to speak to me about. My suspicious side is guessing he is linked somehow to the Nolans/MEIII situation.

 

I have not rang him back.

 

My question is this - if Nolans have now sold it to or instructed one of these legal thugs (debt collectors) can he turn up at the house and walk away with the telly?

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nolans can't sell anything to anyone

they don't own the debt.

neither can they pass it on to any powerless DCA or anyone

 

bailiffs don't exist in Scotland, and a DCA is not a bailiffs and can never be.

 

sheriff officers [the eq of a E&W bailiff] can ONLY be involved if the owner if the debt won a case

and have zero right of entry on civil debt decrees anyway.

 

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

Thats very helpful DX thank you.

 

It could well be just a Spam call, albeit I think this fella tried off a few different numbers today....

 

So long as I know my wife isn't going to get some goon on the doorstep while i'm at work.

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https://whocallsme.com/

 

bet its cabot

they have a Glasgow office I believe

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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6 minutes ago, dx100uk said:

https://whocallsme.com/

 

bet its cabot

they have a Glasgow office I believe

 

This fella is ringing from a mobile number and he just had that debt collector tone to him....

 

I just thought it would have been sufficient time since the offer from Nolans for them to instruct some kind of doorstep botherer

 

He gives his name as Eric but I can't hear his surname properly...

Edited by erinbrooke
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nolans cant instruct anyone......

most dca mobiles are well known

post it here

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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