Jump to content


  • Tweets

  • Posts

    • best to be sure it is a N279. not that they pull any underhand stunts of course   but we have seen it. your bal is now £0 but we'll still attend court as you'll probably not as we've said we've closed the account and we'll get a judgement by default. dx  
    • Sorry, last bit They had ticked that they wanted the application dealt with without a hearing, so is there any relevance that a date and time to attend said hearing has been sent out ?
    • I've not seen it personally but I think that's the letter Dad has had from Overdales. I'll see it tomorrow. It states balance: zero
    • Agreed as you clearly have little faith in your star runners, mind you - I have less - conditional on the welcher clause I defined being part, and that we are talking about the three defined candidates: Tice Farage and Anderson - not anyone anywhere as reform might (outside chance) get someone decent to run somewhere. If any of the three dont run - they count as a loss.   welcher clause. "If either of us loses and doesn't pay - we agree the site admin will change the welchers avatar permanently to a cows ass - specific cows ass avatar chosen by the winner - with veto by site on any too offensive - requiring another to be chosen  (or of course, DP likely allows you can delete your account and all your worthless posts to cheapskate chicken out and we'll just laugh) "
    • This is the full details, note they have made an error (1) in that paragraph 5 stated 14 days before hearing not 7. Surely a company of their size would proof read and shouldn't make basic errors like that 1) The Claimant respectfully applies for an extension of time to comply with paragraph 5 of the Order of Deputy District Judge XXX dated XX March 2024 i.e. the evidence upon which the parties intend to rely shall be filed and served not later than 7-days before the hearing. 2) The Claimant seeks a short extension of time allow them to further and properly investigate data provided to them by Royal Mail which is of importance to the proceedings and determination of the Claim. 3) The Claimant and Royal Mail have an information sharing agreement. Under the agreement, Royal Mail has provided data to the Claimant in respect of the matters forming the basis of these proceedings. The Claimant requires more time to consider this data and reconcile it against their own records. The Claimant may need to seek clarification and assurances from Royal Mail before they can be confident the data is correct and relevant to the proceedings i.e. available to be submitted as evidence. 4) The Claimant's witness is currently out of the office on annual leave and this was not relayed to DWF Law until after the event which has caused a further unfortunate delay. 5) The Court has directed parties to file and serve any evidence upon which they intend to rely not later than 14- days before the hearing i.e. by 4pm on 6 June 2024. Regrettably, the Claimant will have insufficient time to finalise their witness evidence and supporting exhibits as directed. We therefore respectfully apply to extend the time for filing/serving evidence so that the evidence upon which the parties intend to rely by filed and served not later than 7-days before the hearing i.e. by 4pm on 13 June 2024. 6) This application is a pre-emptive one for an extension of time made prior to the expiry of the deadline. In considering the application, the Court is required to exercise its broad case management powers and consider the overriding objective. 7) In circumstances where applications are made in time, the Court should be reticent to refuse reasonable applications for extensions of time which neither imperil hearing dates nor disrupt proceedings, pursuant to Hallam Estates v Baker [2014] EWCA Civ 661. 😎 It is respectfully submitted that the application is made pursuant to the provisions of CPR 3.1(2)(a) and in accordance with the overriding objective to ensure the parties are on an equal footing when presenting their cases to the Court. The requested extension of time does not put the hearing at risk and granting the Application will not be disruptive to the proceedings.   They have asked for extension Because 2) The Claimant requires additional time to consider and reconcile data received from Royal Mail which is relevant to these proceedings against their own data and records in order to submit detailed evidence in support of this Claim.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Cabot/Restons claimform - sainsbury credit card debt


andymr
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2126 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I've had a MoneyClain from the Northampton BC,

Sainsbury's Credit Card/ Cabot - Restons Solicitors).

 

I have acknowledged receipt through MCOL online and I'm filing a defence today.

 

I sent a CPR 31.14 asking for the documents mentioned in the Particulars of Claim.

 

I have this morning received a letter from Restons stating the reasons for not sending me the required documents.

 

I did try to speak with Restons when I first got the claim but their position was pay up now in full or else.

 

Pretty unhelpful and somewhat Cavalier.

 

I must send my defence today but haven't got any documents from the Claimant.

restons.jpg

restons2.jpg

Link to post
Share on other sites

then that should be the first part of your defence,

you ask for the claim to be struck out under CPR 3.4 and 16.2 as the claimant hasnt shown how they arrived at the amount etc.

 

Also have you done a CCA request to the claimant?

If not get one sent and add a postal order to the letter.

 

they then have 14 days to get the required paperwork to you or cease collection activity.

 

The non compliance can be added to your defence if you have enouh time.

 

You dont say when you got the N1 or when you acknowledged so we cant help more with this until we know post up their claim so we know exactly what they have said and havent said.

Link to post
Share on other sites

Name of the Claimant ? Cabot

 

Date of issue – 15.01.18

Acknowledged through MCOL 30.01.18.

 

Posted defence 09.02.18

 

What is the claim for – Credit Card

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? None to my knowledge.

 

What is the value of the claim? £3306.02

 

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card

 

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. Debt purchased by Cabot

 

Were you aware the account had been assigned – did you receive a No Ntice of Assignment? I don't remember seeing anything about it.

 

Did you receive a Default Notice from the original creditor? I must have I suppose I don't remember,

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No aware of any.

 

Why did you cease payments? I can't remember must be two or three years ago

 

What was the date of your last payment? I don't know

 

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 planlink3.gif? I wrote to all creditors to tell I was considering some kind of debt management

What you need to do now.

 

Answer the questions above

 

I sent CCA request on the 31.01.18

 

Send a CPR31.14 request

 

 

Restons replied today to say they can't comply with my requst SEE ATTACHED LETTER AT THE BEGINNING OF MY THREAD

Edited by dx100uk
formatting
Link to post
Share on other sites

Your defence isn't due until the 16th Feb, have you sent it already?

 

Also did you send a CCA to Crapbot? Just seen you sent it on 31/01/18

 

Can you post up a redacted copy of your defence?

 

Was your last payment within the last 6 years? If your not sure phone Sainsbury's and ask them when the last payment was

Link to post
Share on other sites

Ive asked one of the others to pop by.

 

I think you need help with your defence.

 

You can submit online if need be i believe.

 

So dont worry :) Let the guys pop by and help :)

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

Link to post
Share on other sites

will you have internet access whilst away

you've not addressed the debt in that defence

ideally you need to file a correct one via mcol and email ccbc telling them to ignore the postal defence

 

 

that's a std letter restons reply they send to every CPR request.

 

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... 

Link to post
Share on other sites

which you wont need

as filing the defence on mcol is a simple copy and paste jobbie

 

when do you go away

as from then you'll not know if a CCA reply has been forth coming?

 

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... 

Link to post
Share on other sites

Hi Guys did anyone have any more advice for my defence?

 

Best regards

Andy

 

Does it read like any of the following.......?

 

https://www.consumeractiongroup.co.uk/forum/forumdisplay.php?190-Legal-Successes

 

Andy

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 OTHER

 

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

Link to post
Share on other sites

Doyou think this one would work OK

 

###### Defence ######

 

1. Paragraph 1 is denied with regards to the Defendant owing any monies to the Claimant the claimant has failed to provide any

evidence of assignment/balance/breach as requested by CPR 31.14/Section 78.

 

2. Paragraph 3 is denied I am unaware of any legal assignment or Notice of Assignment.

 

Therefore the Claimant is put to strict proof to:

 

(a) show how the Defendant has entered into an agreement; and

(b) show how the Defendant has reached the amount claimed for; and

© show how the Claimant has the legal right, either under*

statute or equity to issue a claim;

 

 

3. As per Civil Procedurelink3.gif Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.

 

4. On the alternative, if the Claimant is an assignee of a debt,it is denied that the Claimant has the right to lay a claim due to

contraventions of Section 136 of the Law of Property Act and Section 82a of the Consumer Credit Act 1974.

 

5. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

Link to post
Share on other sites

Doubt it solely relies on no paper work. Not rebutting the debt

Where is their poc?

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

Hi Guys, could someone check out the following Defence I've cut and pasted.

Best regards

Andy

 

 

 

###### Defence ######

 

1. On receipt of this claim I requested by way of a CPR 31.14 request and a section 77/78 request, copies of the documents referred to within the Claimants particulars to establish what the claim is for.

To date the Claimant has failed to comply to my section 77/78 request and their solicitors, Restons, have stated in relation to my 31:14 request that they are under no obligation to disclose any documentation on which the claim is based.

 

 

2. .It is denied with regards to the Defendant owing any monies to the Claimant. The Claimant has failed to provide any evidence of assignment/balance/breach as requested by CPR 31.14/Section 78.

 

3. I am unaware of any legal assignment or Notice of Assignment.

 

4. Therefore the Claimant is put to strict proof to:

 

(a) show how the Defendant has entered into an agreement; and

(b) show how the Defendant has reached the amount claimed for; and

© show how the Claimant has the legal right, either under statute or equity to issue a claim;

 

As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.

 

5. On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82a of the Consumer Credit Act 1974.

 

6. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

Link to post
Share on other sites

that's not all our usual responses

 

can we have their POC word for word please

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

Hi Guys, could someone check out the following Defence I've cut and pasted.

Best regards

Andy

 

 

Impossible to check a defence without the particulars of claim.......akin to asking us whats the answer without telling us the question:|

 

Is there a particular reason you do not wish to divulge it ?

 

 

Andy

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 OTHER

 

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

Link to post
Share on other sites

  • 3 months later...

I have received the CCA from Reston's and its quite pixelated and is not clear to read. I wrote back to Reston's but they insist that it is fit for purpose. Please see attached letter and copy of the CCA.

 

My understanding is that it has to easy to read.

Could some advise me what I should do next or what I write back to Reston's.

 

Best regards:!:

Andrew

restons-CCA reply ilegible.jpg

Restons-ilegible CCA.jpg

Link to post
Share on other sites

three threads merge please keep to ONE thread

upload everything to ONE multipage pdf read upolad

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

  • 2 months later...

On the3rd of March 2018 I received from Cabot the CCA which was illegible and I told Restons that it could not be read clearly without some guesswork.

They informed me that was legible when I signed it!

 

Now I have received the attached letter of an offer to pay half with various term and condition and a deadline of the 23rd August 2018.

What should I reply them?

 

Surely if the CCA can't be read their case must fail in court.

 

The court action was put on hold at the request of Restons but looks they want to press ahead with the court claim.

reston-offer.pdf

Edited by dx100uk
spacing
Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...