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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
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Meadow_S

Pre 2007 CCA agreement received from Cabrot / Halifax

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Hi there

 

I am guessing this is a common problem.

 

Around 2 years ago, I received a threat from Cabrot regarding an £8k credit card from Halifax taken out in 2000 (I think - may have been 2001).

 

I followed instructions and sent them a letter requesting a copy of the CCA and got the usual BS saying they couldn't find the file but I am still liable for the debt, the last I heard from them was August 2016.

 

Anyhow, out of the blue. Yesterday, I received a letter from our beloved friends stating they had found said documents and they believe these were enforceable to obtain a CCJ.

 

There is no signature on the forms and the page numbers do not correspond properly with corresponding numbers either missing or duplicated (I have copies attached with details blanked out - I can only upload 5 but have another 5 or 6).

 

Additionally, there is no credit limit either, just a note to say that it will be determined and could vary. They do however, have my name & address on the top of the form.

 

Based on this would it be enforceable and accordingly, how should I reply?

 

I had hoped this had been put to bed but sadly not and I'm hoping I am not screwed.

 

Thanks in anticipation.

 

KR

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Oh and yes there was PPI on there too which for obvious reasons I have not pursued.

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Pop your scans up as ONE multipage PDF please!!

 

dx


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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

spreadsheets 

 

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No, but it is a similar scenario. Please find attached PDF.

 

The situation is that the card was taken out in 2000.

I got into major financial difficulty in 2005 and entered into a DMP.

I ceased payments end of 2013/ early 2014 as I didn't realize I was on a DMP but thought I was on an IVA.

 

I sent a CCA request in 2016 (May I think).

I got the usual BS, but didn't hear back from them until August 2016 saying they can't find it and I was still liable.

 

The next I heard was this letter yesterday.

 

My situation is that I reside in the USA, however, it is always a possibility that I will return.

 

I do get to work out of the London offices for around 2-3 months of the year and I don't want to get bogged down by this & having a CCJ against me is not ideal (obviously).

 

I am here in the UK at the moment as my grandmother passed away and their timing is impeccable.

 

The letter dated was Apr 12th arrived day before last at a family members address.

 

- Do they have a case given that the agreement is not signed or dated?

 

- Does it matter that it is not an exact copy?

 

- Does it matter that the pages are not synced correctly?

 

- Does it matter that PPI was applied w/out my knowledge?

 

- Should I request a NoA and copy of DN?

 

I'd almost prefer to pre-empt this and kick it into the long grass if possible as I've got under 2 years to go before it's SB.

 

I beat them in that other thread

case brought against me in 2015 for for £1500 and they wrote to say they couldn't find the required documents, so were not pursuing this any further.

 

If anyone can advise that would be great - thanks

Name and address is showing correctly at the top of this sheet.pdf

Edited by dx100uk
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pers id let this run

2 sets of T&C's

that they cold have gotten from their filing cabinet or here and typed your details on

 

no signed agreement which for 2000 take out they will need if they progress this to court


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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

spreadsheets 

 

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I know people are busy, just an idea would it be wise to send off a SARS request?

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post 6


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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

spreadsheets 

 

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I know people are busy, just an idea would it be wise to send off a SARS request?

 

Only if you intend reclaiming PPI..it wont help with the agreement.....only a section 78 can be used...which you have done and they have complied with a reconstituted version of the agreement...they dont have the original.


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So shall I ignore or write back saying this is not the original? (Obviously worded better than that). The reason I ask is because I mostly live overseas, I don't want this rearing it's head with court action and then it's more difficult for me to deal with.

 

They do have my address in the USA but they refuse to write to me there.

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they cant they know you are resident abroad.

they cant go to court knowing that.


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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

spreadsheets 

 

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Thanks for your help.

So that'll explain why they keep writing to my recently deceased grandmothers house.

The plan is now for that house to be sold so that option will be taken away within six months subject to legal proceedings etc.

 

Would you advise I write highlighting again that I am overseas with no address in the UK and the only address I have is in the USA?

 

I did wonder about calling from my USA cell which would undoubtedly show up on their caller ID.

I'd normally be adverse to this but it may make them realize this.

I even copied my drivers license etc. in with key info like DOB and ID # deleted to prove my living overseas.

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you have informed them legally you reside abroad

you have written to them and told them that is NOT your address but was used as a C/O address for a time period

that is now ending.


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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

spreadsheets 

 

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