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primitive_man

Backdoor Cabot CCJ old co-op card - now Warrant of Control***Set a Side Uncontested***

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Hi,

My partner had two credit cards between 2001-2008

- both of which she defaulted on when her husband left

- leaving her with two young kids.

 

Unable to pay the mortgage she was forced to move into Council Accommodation.

 

Today,

She received a Notice of Issue of Warrant of Control.

 

Creditor: Cabot Financial (UK) Ltd

 

The letter states that if the debt (£857) is not paid by 2nd Feb 2018 then Bailiffs will be call to remove goods for sale at public auction.

 

I work as a bar tender and my partner is disabled and on benefits.

 

No attempt was made to contact my partner in the last 8 years regarding the debt

(we still don't know which CC it applies to.)

by mail or telephone.

 

She is terrified that the bailiffs will turn up and start ransacking the house.

 

Can anyone give me a clue as to where to begin fighting this?

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Has she had a CCJ issued against her?

 

Can you upload the document and hide all personal info such as names account numbers and address

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The letter says: "You have not made payment under the judgement as you were ordered." But she has not received any letters about a CCJ application.

I will upload the document asap - as soon as I get off work tonight (Gonna have to borrow my bosses scanners.).

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OK first thing to do would be phone Northampton Bulk centre and ask for an emailed copy of the Claim and judgement

 

Did she notify the CC companies of her change of address when she moved to the council accommodation?

 

If she didn't it will most likely be a a judgment by default and she will have to have good reasons to get it set aside but we can cross that bridge when we get the info from the court

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something doesn't sound right

 

did she definitely inform them of the change of address, not just use it once she moved

 

Because they are saying they already have a judgement

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The CC companies were informed of the change of address.

She still has one of the old statements from 2007 and it has her new address (which hasn't changed since) on it.

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ok

 

first thing tomorrow she needs to phone the County Court and find out if there is a judgement against her

 

If they knew her new address then that is a reason for a set aside if there is a CCJ registered against her

 

She also needs to check her credit file to see if it is registered with them

 

There are number of free credit reports available online

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I'll give her this information. Also please find attached a Photo (realised I could use my Phone, duh!) of the letter they sent. Bit blurred but readable.

Edited by honeybee13

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The claim number is on that letter, it was issued in the Bulk centre in Northampton

 

If she phones them and gives that number she can get a copy of the claim and judgement emailed to her

 

once she gets that come back and upload it redacting the in personal info

Edited by honeybee13
Claim no on doc, removing it.

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OK. Got to go to work... I'll do as you ask and get the info tomorrow. Thank you for your assistance.

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I've removed the document with the claim number in it. When you have time, can you redact it and repost please? Pdf works best. :)

 

HB


Illegitimi non carborundum

 

 

 

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Sound slike cabot getting a judgement on an old address again, then keeping quiet. Then miraculously discover your current address after the CCJ has been stamped and outside the 28 day period post judgement


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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are you indicating that she made no payments or use of the card for the last 6yrs possibly


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Thats what its sounding like to me but if the judgement is after the date of the OP's statement they it should be pretty easy to get the judgement set aside

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Please find attached a copy (Redacted) of the 'Notice of Issue of Warrant of Control' sent to my partner.

She is still on the phone trying to obtain the information requested.

Additionally, she states that she never used either Credit Card after 2007.

Redacted Copy.pdf

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didn't need to see the warrant that's immaterial

if the debt was already sb's by the time of the claimform [about 1mth before the CCJ]

then got set it aside.

 

if you RING the claimant you might even find they'll set it aside FOR FREE under mutual consent saving you the £255 fee


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I presume 'sb' stands for 'Statute Barred'?

By Claimant do you refer to the original CC issuer (which we don't yet know) or the Creditor ('Cabot') ?

 

Additionally, letters have (apparently) been sent from various DCAs regarding these cards over the years - though no response was made on her part. Does that invalidate the Statute Bar?

 

PS. Does anyone have a number for Cabot - non on any of the forms we've received.

Edited by primitive_man

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find out those payment details first.

 

cabot were the claimant probably restons were the solicitors

though they rarely allow free set aside but worth a try. once you know it was them

 

I think we've had one whereby they did set it aside for free once they knew that you knew it was already statute barred at date of claimform.

 

no letters can reset anything

if the debt was SB'd at the claimform issuance nothing can unbar it not even a judge.


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"find out those payment details first." - ? Who's?

Should I phone Cabot or Restons?

How can we prove it was statute barred?

There's no solicitor named on the claim form.

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do you know yet which of the cards this ccj is for?

 

if you do

get her to go ring the original creditor and ask last payment date.


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We still don't know original CC and getting through to the County Court bulk processing centre at Northampton is proving more than a bit of a chore.

 

Continually rings and then, if answered immediately cut off - whether by design or chance I'm unsure.

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Email....State the claim number in your subject line.

 

Request for copy of Judgment

Copy Judgment

ccbc@hmcts.gsi.gov.uk


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I have a Case Number, Warrant Number, Local Number, Creditors Ref, Sol Code and Court Code - which is the claim number?

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