Jump to content


  • Tweets

  • Posts

    • Driver entered car park run by CEL Ltd .Tried to purchase lozenges  at Pharmacy , saw it was busy so left . Time there approximately 5 minutes . Left to go to pick up some goods  a couple of miles away . I have a copy of a collection of goods note with an approximate time on it  Stayed a while to chat with client On return journey stopped  to try again . Bought lozenges and left . There were no restrictions on returning  ANPR cameras registered first entry and last exit  Was sent photos showing vehicle with 2 blown up with the times on them   Company refuses to divulge landlord or show contract ....said it was data protection ! Photo of a sign blown up .....could be anywhere ! Been to site itself . No signs at entrance . When entering from main road nothing ! Where there is parking a few signs visible depending on parking space . Large sign on an external wall which can only be seen when walking out or entering from side road on the left . After a number of letters  I received demands from ZZPS ....a “debt collector “. They gave up on that ! This incident took pace in February . Now a Letter Before Court requesting details of my salary and how I intend to pay the debt  The length of stay is 40 minutes . Tiny car park !   Do know why there are even limits . Length of stay maybe 15 minutes in total . It is madness The pack of lozenges cost £185 ! Am 72 years old with multiple health problems ! Cannot let these cowboys win . Feel as though I am being intimidated . Very stressful ! Any  advice please ?I have drafted  together bits from all over the place ! Need it to stop ASAP !
    • Hi    This is my draft WS, please do let me know of nay changes or additions required, thanks.    IN THE County Court AT                                                                              CLAIM NO:      BETWEEN: CABOT FINANCIAL (UK) LIMITED   -and- (DEFENDANT)     ___________________________________________ WITNESS STATEMENT OF        INTRODUCTION    1. I, XXXX, the Defendant in this case, make this statement in support of my defence against the Claimant, Cabot Financial (UK) Limited.  The matters set out below are within my own knowledge, except where I indicate to the contrary.    THE DEFENDANT’S RESPONSE TO THE CLAIMANT’S WITNESS STATEMENT    2. The Claimant states in Paragraph 3, ‘….refer to various documents, true copiesof which are contained in the paginated bundle to this statement marked “JK”1’, but then states in para 4, ‘Acopy of the reconstituted agreementwith associated terms and conditions….pages 1-10’. There are 3 versions attached of the alleged Agreement and Terms & Conditions and according to para 4 they are not the original but ‘a reconstitutedversion’. They have attached 3 Agreements namely, ‘Original Agreement’, ‘Default Agreement’ and ‘Terms of your Capital One Credit Card Agreement’.  The Claimant has provided 3 sets of generic/reconstituted Agreement and Terms & conditions.     3. The Claimant in Para 4 also states ‘On or around 5thNovember 2012 the Defendant entered into a Credit Card Agreement,’ but Page 2 of JK1 has a date inserted 2/11/2012.  It has my name, address and a date inserted in the form but no mention of how the agreement was made, online, post or telephone, and furthermore not mentioned in the Claimant’s Witness Statement.     4. As a rule of thumb I always ensure that no 3rdparty is to contact me or to send me marketing information via telephone, post or electronically’, but Page 2 of JK1 has an unticked box, another indication that this is not an original agreement.    5. Page 5 of JK1 has too many typo mistakes in the heading as follows: TERMSOF YOUR CAPITALONE CREDITCARD AGREEMENT, furthermore there are no ‘full stop’ punctuations at the end of each sentence, this surely cannot be a document sent out by Capital One.     6. The Claimant states in Para 9 that my defence is a ‘templated defence’, requesting documents pursuant of CPR 31.14 and Section 78 of the Credit Card Act 1974, this is a defendant’s right for request of information but the Claimant has failed to provide the true original Credit Card Agreement and Terms & Conditions.   7. The Claimant states in Para 25 that, ‘the Claimant allowed the proceedings to be stayed in order to allow the parties to attempt settlement negotiations…..’ this is not correct as the Claim was stayed due to the Claimant not being able to provide the requested documents pursuant of my CPR 31.14 and Section 78 of the Credit Card Act 1974.   8. Para 30 and 31of the Witness Statement requests to restore the proceedings, to strike out the Defence, has requested for a Summary Judgement, together with costs to be assessed summarily by the court. I, the Defendant, strongly object to the Claimant’s Witness Statement requesting to lift the stay and enter Judgement. I believe therefore, that this should be denied and I respectfully ask for you to strike out the claim. My reasons for this have been outlined in points 1 to 7.    9. By the reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief and invite the Court to strike out the claim.   I believe that the facts stated in this Witness Statement are true.    Signed:  Dated:
    • District Judge has considered the statements of case and directions questionnaire filed and allocated the claim to the small claims track on 13th January 2020 for 1 hour.    Claimant has by 16th December 2019 pay the court trial fee or file a properly completed application, otherwise the claim will be struck out with effect from 16th December.    I have a few questions if possible to get an answer from anyone please.    The following directions apply to this claim: 1. It says that each party must deliver to the other party and to the court office copies of all documents on which that party intends to rely at the hearing no later than fourteen days before the hearing.  My understanding this will my witness statement, images of the parking area, out of time sent NTK documents. Is this correct? What else am I not thinking about?    2. I have to leave country for important work trip from 10th to 19th of January 2020. Is there anything I can do to postpone this case since its booked for 13th January?  Thanks!      
    • However having had a quick look at the consumer rights act, I see that it doesn't seem to apply if you have bought second-hand goods sold at a public auction and you had the opportunity of attending the same person – section 2 (5) Unless someone has some better ideas, I'm not sure what you can do.
    • I'm trying to understand your story because is not completely clear. You bought the car auction and you were aware at the time of the purchaser there was an ABS fault. Subsequently an ABS fault developed both this was a different fault and not of the type that have been flagged up at the auction. Is this correct? If you bought the car knowing that there was a particular ABS fault then I don't think you have any comeback. However if the fort which subsequently occurred is not the one which was flagged up at auction then you may be in a better position
  • Our picks

Getmeout

Payplan payment review

style="text-align:center;"> Please note that this topic has not had any new posts for the last 406 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I am paying £100 per month to payplan who share the payment out to the companies I owe .

 

They have told me to take an I v a Because it is going to take me 20 years to pay back what I owe . I don’t want to take a i v a ...

 

they said unless I can afford to increase my payments and pay off the debts earlier , then an I v a. Is the only option .

 

I can’t increase the amount I am paying ..

they also said that if I died ,

my wife would have to pay the debt as I incurred the debt at this address

 

.. this is all very stressful .

.. I have paid back about 8 thousand over the past 7 years ..

I thought I would be able to make payments through the debt management plan until it was all paid back .

 

I don’t owe the debt to hsbc or Yorkshire bank any more ,

I owe it to collection agencies such as Cabot ,

who probably bought the debt for next to nothing .

 

Any advice please

Edited by dx100uk
Spacing

Share this post


Link to post
Share on other sites

Hi.

 

Other people know more than me but I thought you could run your own payment plan. Or maybe you could leave PP. Other people should be along soon.

 

HB


Illegitimi non carborundum

 

 

 

Share this post


Link to post
Share on other sites
Hi.

 

Other people know more than me but I thought you could run your own payment plan. Or maybe you could leave PP. Other people should be along soon.

 

HB

Thank you

Share this post


Link to post
Share on other sites

Cash cowed blind..

 

Who even says the debts are enforceable??

 

Bank account OD's mostly penalty charges lvbet!!


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 

 

Share this post


Link to post
Share on other sites

Please wait for more comments, it's not my field.

 

Edit: , crossed posts.

 

HB


Illegitimi non carborundum

 

 

 

Share this post


Link to post
Share on other sites

You are under no obligation to result to insolvency to resolve these debts.

Payplan need to be shot for advising this. A DMP is an acceptable form of repaying debts and is informal. IVA is extremely formal and shouldnt be taken unless a last resort...

 

Id raise a formal complaint with Payplan about it...

Share this post


Link to post
Share on other sites

Thank you for replying..

payplan said that because it is going to take such a long time to repay the debt ,

an I v a would be only for 6 years and then I would be debt free .

 

. They suggested an I v a for the past few years and I have said that I don’t want to go down that route .

 

I am legally okay to carry on paying into this debt management plan as I am doing and they can’t force me into taking the I v a , which they keep on pushing

 

. Thank you

Share this post


Link to post
Share on other sites

pers id stop paying altogether

and get an sar running to both YB

 

sorry but if these 2 are like the others you have already settled

you've been had on all of them = cash cowed.

 

a dca is not a bailiff

and have

ZERO legal powers.


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 

 

Share this post


Link to post
Share on other sites

[thank you for advice .

Payplan have sorted all my payments to Cabot financial (Europe) ltd for marlin financial , ex Yorkshire bank loan .

 

Link financial ltd. Ex alliances &Leicester credit card

 

Nco Europe ltd. Arrow. Ex hsbc loan

 

Wescot credit services . Ex Cabot ex nat west credit card and loan ..

 

All these have bought the original debt from the banks .

So I don’t owe the banks ,

I owe to these other agencies who have bought the debts for next to nothing .

 

Why are payplan ( who are supposed to be helping me ) not telling me that I should not be paying anything to these collection agencies .

 

Some of these debts were sold to the debt collection agencies in 2008 .

 

There must be thousands of people who are in debt management plans who are paying to these agencies , when they shouldn’t be .

 

I can’t believe that payplan are knowingly not telling people like me that we shouldn’t be paying anything to theses debt collection agencies .

 

And today he was telling me that an I v a was the only option.

 

I feel sick now

Edited by dx100uk
spacing.

Share this post


Link to post
Share on other sites

if a debt is sold on

it typically means there is SOMETHING WRONG WITH IT>

 

think about

why would multi-million pound banks etc sell a debt on

they would CRUSH you in court if they took you there.

but they don't..they don't want bad publicity

and no doubt know for debts of that age No-one holds an enforceable agreement

so they sell it on, reclaim the debt against their insurance policies and also redeem them against their tax arrangements in the uk.

 

payplan or indeed ANY of the DMP providers do not ever question enforceability, they simply and blindly [on purpose] advise you to pay any tom dick or harry that owns your debt now.

because they get a CUT of all your payments made to each debt every month through them.

 

so CCA request time to the owners of your YB loan..that appears to be cabot.

 

as for link

I suspect part of this is your money..

http://www.mirror.co.uk/news/uk-news/boss-of-a-debt-chasing-firm-link-financial-790005

 

http://www.homesandproperty.co.uk/property-news/news/millionaire-debt-collector-digs-deep-south-kensington


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 

 

Share this post


Link to post
Share on other sites
Cash cowed blind..

 

Who even says the debts are enforceable??

 

Bank account OD's mostly penalty charges lvbet!!

 

What about if they owe the money and they want to pay it back, just because they might night be enforceable should they not pay it back...is that the advice of this forum now,don't service your debt?

Share this post


Link to post
Share on other sites

no but check what the debt is made up of and weigh all the evidence up.


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 

 

Share this post


Link to post
Share on other sites

" they also said that if I died , my wife would have to pay the debt as I incurred the debt at this address "

 

Are the debts in joint names ?

 

 

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 OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

No . Just in my name but at same address.

I have paid thousands back .

But I didn’t know , and wasn’t told by payplan , that I was paying to debt collection agencies when legally I shouldn’t be .

 

These agencies have bought the debts for next to nothing .

 

One of them is for £8000 , Cabot own this and have recently sent me a letter saying that if I pay £2900 , they will wipe the rest of the debt off . But apparently I don’t owe them or any of the debt collection agencies anything ?

 

Regarding the post that says are consumer action group now telling people not to pay their debts ,

I think this is different because Cabot are saying that I owe them £8000 but actually I don’t owe them that , as they bought the debt for a few pence and are making money out of me .

I don’t know why this practice is even allowed . ..?

Why doesn’t the financial watchdogs deem this practice illegal ?

Edited by dx100uk
Spacing

Share this post


Link to post
Share on other sites

unlawful not illegal - debt is no a criminal matter.

 

and they are offering a big discount too. another very good pointer.

 

how many others debt have you blindly paid off to them..following the cash cow route payplan lead yo down.


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 

 

Share this post


Link to post
Share on other sites
" they also said that if I died , my wife would have to pay the debt as I incurred the debt at this address "

 

Are the debts in joint names ?

 

 

Andy

 

No . Just in my name but at same address.

 

Then your wife is not liable.....you would be if you leave an estate that can afford to settle the debts but if you dont the debts die with you.

 

With regards to debt assignment...debt assignment is Legal and is part of the T&Cs of the agreement you signed when you applied for the credit.It shouldn't be legal but welcome to the murky world of Finance and how the rich get richer.Yes they do pay a lot less than the face value and yes the original creditor writes it off and claims tax relief...but you have had the benefit of the credit and therefore it must be paid back to the legal owner...whether that be by payment plan or a full and final settlement.

 

CAG does not advocate debt avoidance...but that you are treated fairly and DCAs act appropriately and within the guidelines of the law and we advise an amicable way to settle the matter.

 

Link for you to read how debt assignment works :-

 

https://www.netlawman.co.uk/ia/novation-assignment

 

 

https://www.legislation.gov.uk/ukpga/Geo5/15-16/20/section/136

 

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 OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

I am paying 8 debts through payplan , all the debts are paid through them to

Cabot ,

nco ,

link .

 

I have been paying £100 per month through payplan for 8 years .

I am confused now .

 

The previous thread says it is legal for the dca’s to Make me pay the debt back .

One says I am being cash cowed

payplan just pay any Tom, dick or harry .

 

Should I stop making payments to payplan to pay the dca ‘s

Or carry on paying these debt collection agencies ,

 

which one says are legally collecting the debts which they bought for a small price .

Which should I do .

Thank you for all of your help

Edited by dx100uk
Spacing

Share this post


Link to post
Share on other sites

List your debts

 

Original creditor

Type of credit

Who you pay now

When taken out

Amount outstanding


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 

 

Share this post


Link to post
Share on other sites

Yorkshire bank credit card , Cabot, 2003 , to payplan Sep 2008. Owe 6400.

Yorkshire bank current acc, Cabot. 2000 to payplan Sep 08 “. . Owe 298.00

Alliance &leic. Credit card. . Link .... 5000.00

Hsbc credit card 2000. Moorcroft. 860.

Hsbc loan Nco Europe. .. 2002. 11000

Citi financial credit card. 2000. Nco Europe 870.00

‘Citi financial credit card. 2000. Nco Europe. 5000

Nat west current account. 1996 Westcot. 527 .00

Nat west credit card 1966. Wescot. 4000.00

All transferred to payplan Sep 2008. Although they have changed dca ‘s. A few times

 

I was taking out loans to pay loans and credit card payments.

In the end I was paying out more than I was earning , it was driving me mad

I sought advice and was put in touch with payplan in 2008

Edited by dx100uk
Merge

Share this post


Link to post
Share on other sites

Yorkshire bank credit card , Cabot, 2003 , to payplan Sep 2008. Owe 6400. - CCA request

 

Yorkshire bank current acc, Cabot. 2000 to payplan Sep 08 “. . Owe 298.00 - stop paying

 

Alliance &leic. Credit card. . Link .... 5000.00 - CCA request

 

Hsbc credit card 2000. Moorcroft. 860. - Moorcroft don't buy debts - who are their clients?

 

Hsbc loan Nco Europe. .. 2002. 11000 - NCO are part of the arrows group send arrows a CCA request

Citi financial credit card. 2000. Nco Europe 870.00- NCO are part of the arrows group send arrows a CCA request

 

‘Citi financial credit card. 2000. Nco Europe. 5000 - NCO are part of the arrows group send arrows a CCA request

 

Nat west current account. 1996 Westcot. 527 .00 - Wetcloths don't buy debts - who are their clients? but stop paying anyway

 

Nat west credit card 1966. Wescot. 4000.00 - Wetcloths don't buy debts - who are their clients?


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 

 

Share this post


Link to post
Share on other sites

The moorcroft was from hsbc , then to hsbc then back to moorcroft .

The wescot was from Cabot then transferred back to wescot

Share this post


Link to post
Share on other sites

so cca request to cabot then too

what about the others


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 

 

Share this post


Link to post
Share on other sites

Nat west 4000 credit card says wescot credit services as creditor name and further down it says ,under product name , wescot cabot accounts ...

 

Nat west £527. Current account . Wescot credit services , further down under product name it says wescot rbs retail accounts

 

this last one has had several owners ,

nat west /rbs sept 2008 ,

Wescot credit services apr 09 ,

nat west /rbs May 09,

hoist finance May 2010 ,

Nat West/rbs Nov 2011,

wescot credit services Aug 2016,

Nat west/ rbs July 17,

wescot credit services July 17 ...

 

so this , like all the others has been moved a lot .

Share this post


Link to post
Share on other sites

Stop paying the ones you cant cca

Whomever wants money will write . It cant harm you

 

As for the ones you can

Ie as above cabot natwest CC

 

If they dont reply within 12+2 working days stop them too


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 

 

Share this post


Link to post
Share on other sites

Sorry to be a pain ,

this is all new ro me .

 

What is a cca and what happens when I send it to them .

 

Should I send it to all of them .

 

I keep logging in when I can as I am working , helping my wife , who is in hospital and visiting my mother in a care home .

So it is all a bit hectic .

 

Thank you again for helping me

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...