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bruce18641

Cabot/Restons claimform - old vanquis+newday cards two debts

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Hi Guys

I have received a letter of claim from Restons solicitors for a debt bought by Cabot financial.

 

I have made a complaint to the financial ombudsman that the original creditor ‘ a credit card company ‘ refused to deal with several mistakes on my account over a year before Cabot bought the debt and simply told me to deal with the 3rd party debt collectors.

 

The ombudsman said that as they were still the legal owners of the debt they had a duty to deal with me and not pass the buck to the debt collectors.

 

The amount Cabot are claiming is for £1800 when the correct amount after deducting the disputed amount is £1150.

 

My question now is, should I contact Restons who have sent me a letter of claim and say they will start proceedings on 18 05.2018 or Cabot or both and tell them its a disputed amount sold by the original owner of the debt and I have now made complaint to the FOS for which I have received relevant paperwork and a reference number.

 

So would they like to put proceedings on hold whilst this matter is dealt with by the FOS as I see no point in starting court proceedings when they are trying to claim the wrong amount.I

 

I don't dispute the lower figure.

 

So far I have made no contact with either company.

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Have you got it in writing that they should not pass the buck et cetera?


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No it was said during the phone call to the FO, but they have accepted my complaint

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I suggest that you read our customer services guide and implement the advice there. See if you can have that phone call again.

 

Yes I think that you should inform Cabot. Send a copy to the FOS and make sure Cabot can see that the FOS is copied in.

 

Who was the original creditor?


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Original creditor was Vanquis

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Forget this complaint and it's relevance for now its not really directly relevant

What date is on the letter of claim please


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Retitled and Moved to the vanquis forum


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

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Forget this complaint and it's relevance for now its not really directly relevant

What date is on the letter of claim please

 

18.04.2018

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Have you replied yet?


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Great..

Go read post 6 here

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

 

 

I dispute the debt because.... It is subject to an open complaint fos ref no. Xxx as the balance is unlawfully inflated[ say nowt more]

 

And cca request them too

 

Don't NOT use their form

Use the one attached to 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!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Thanks for your input this info is a great help to me.

 

Do I send these to Cabots or their solicitors ?

What should I do about replying to their solicitors letter of claim which according to them should be replied to by the 18th May ?

Regards

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you are replying to it!


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Solicitors sent the PAP and Cabots sent CCA request with the £1 PO.

Lets see what happens next

 

Many thanks for your invaluable help so far.

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Sorry I meant solicitors sent the reply form as post6

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job done then

 

dx


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MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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I have just received a reconstituted CCA without my signature from Cabots.

 

They say that they have enclosed all relevant information following my request under section 77-78 of the consumer credit act 1974 and they consider the agreement is now enforceable and they will obtain a ccj against me

 

I also requested copies of all detailed statements giving details of interest added, copy of the default notice and notice of assignment.

 

I have received none of these documents to date.

These requests were made in July 2018 which far exceeds the 12 +2 +30 rule? ( are these continuous or working days )

 

Any ideas on where I stand now and what to do next

Edited by dx100uk
Spacing

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Bet it doesn't say will anything

Read it carefully.

 

Scan up what they have sent to one multipage pdf

Read upload

 

Matters not its outside of the time limit


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Sorry if the pdf's didnt come down as 1 file as its my first time using this method

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as said doesn't say will anything

 

wheres the CCA return?


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Hi

I've just noticed that they have sent two different CCA's.

One is between Aqua Newday ltd and myself and a second which is between progressive credit ltd and myself.

They both contain my details but no dates etc.

 

I'll edit and scan these CCA's and upload them over the weekend.

Once again very grateful for the support.

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progressive finance [welcome finance] - whats that all about?

can you put everything in one multipage pdf please not single pages


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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