Cabot re blackhorse loan CCA return after 2 years!

[gwebstech]

Hi guys

 

Around 2 years ago, I asked Cabot for a CCA request for a loan i had.

They said at the time that they couldnt find the documentation so it was not enforceable.

 

Ive recently had a letter form them saying they have now found this CCA agreement and that the debt is now enforceable!

Theyve sent me a reconsituted copy but im wondering if this is now a debt i have to pay?

 

If you look at the scan ive added, it looks like the document is missing something, and also surely there would have been more than 1 page of t&c's??

 

Is there not a time limit that they have to provide me with the CCA or its not enforceable?

i ve read they committed an offence but that doesnt really help me in this situation

 

Anyone know if this is now a debt again? i cant find anything similar to this anywhere

 

thanks

Scan 1 copy.pdf

[dx100uk]

had to hide you upload you've left ref numbers showing

so where the rest of it?

 

retitled an moved to the Blackhorse forum

[gwebstech]

sorry

 

 

redid them and added both

cabot scan 2.pdf

cabot scan 1.pdf

[dx100uk]

home info pack loan?

1st ive heard of one of those.

 

the agreement does look to be a recon it has your sig too?

 

it says 1 of 4 wheres the rest

 

the T&c's says 1 of 12 wheres the rest of it?

[renegadeimp]

when did you take out the original agreement.

 

Also that response they sent you is non compliant for a few reasons.

[gwebstech]

yes its mine and my OH sig -dont know why shes on it? but the only sig you can see is from them

 

 

 

the original agreement was in 2009 i think

 

 

where is the rest of it? thats what i was thinking, it says page x of 12 now i know all 12 pages wouldnt be t%c but ive never seen all the t&c fitted on 1 page - but is this what they mean by reconsituted?? that it doesnt have to be the exact thing as long as it has the same t&c on it somewhere?

 

 

Also if you look at the scan 1 with all the black writing, it looks like near the bottom, above the last sig box there is a faint black line which looks as if there has been a sheet over the top photcopied or something. its partly obscured by the thicvk black lines ive used at the bottom

[gwebstech]

what reasons is it non compliant?

 

 

thanks

 

 

when did you take out the original agreement.

 

Also that response they sent you is non compliant for a few reasons.

[gwebstech]

Ive just read here: https://www.consumeractiongroup.co.uk/forum/showthread.php?314360-A-Reconstituted-CCA

 

 

post 8 that : the original is needed - is that right?? theres so much conflicting onfo im seeing

 

 

thanks

[dx100uk]

well the recon has to be a true copy

if they are saying its a recon I cant see why...

[renegadeimp]

A true copy means it can be a copy of an application form and terns and conditions. Then its up to a judge if its enforceable.

 

However they havent even supplied that. I would be minded to inform the regulators of them attempting to mislead you. It also wont be a one off. They do this as a basic part of their business practice.

[gwebstech]

This seems very fishy to me,

i know how we forget things but both me and my OH have no idea of why we would take home info loan out when we werent moving then.

 

Its addressed to me, with my first name spelled wrong, only my name on it and yet my OH sig is also on it

 

Why would her sig be required if its only in my name?

 

I think they know its missing required stuff, im going to make a complaint

 

Do you know if these guys often go to court?

they are not allowed to claim legal expenses for such a small amount i think - is that true?

 

I might take it to court and fight it

[dx100uk]

only to small claims very limited costs

 

let it run

[gwebstech]

I think ill tell them it doesnt conform to OFT guidelines and let them take me to court, for £600 owed they have a lot to lose with solicitors fees and ive got nothing to lose

[dx100uk]

no that's unnecessary letter tennis

[gwebstech]

are small claims actually in a court? im wondering if im allowed to choose a local court?

[dx100uk]

IF it ever gets to allocation ofcourse you are.

 

pers I wouldn't panic too much....

 

I also notice you are reading very old threads are the oft went out the window years ago so did the 30 days bit.