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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
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    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as 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. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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First direct managed loan debt


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I think I have posted some information before on this but cant find the thread

 

I had a old credit card debt from 1996.

I defaulted in 2002 and ever since 2002 I have paid £10 per month to the company, ( no contact ever)

 

In 2013 their bank details changed and so the payments bounced back

 

In March 2014 I received a letter from Cabot stating they own the debt

 

In October 2014 I have received my statement ( it does indeed look the debt was bought in 2014) Along with a arrears letter

 

What I would like to know from esteemed gentlemen on this forum is

 

  1. Can they repost this information on my credit file? ( nothing to date)
  2. Will Cabot be aware that payments have only recently stopped so not statuted barred
  3. They cannot default me , as I was defaulted in 2002? is this true?
  4. the account was opened in 1996 , so will they have the credit agreement, ( bearing in mind it was a live account with the bank till just 8 months ago)

 

 

Thank you all in advance

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Sounds like your being cash cowed here, and they're all trying their luck!

 

STOP PAYING NOW.

 

Send the latest gophers a CCA request, http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974 send it 2nd class post, just obtain ''proof of posting'' which is free from the PO counter.

 

Keep an eye on your credit files, yes they 'shouldn't mark it now as the default has auto dropped off, however, don't be surprised if they do.

 

Add up the amount you have paid already...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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who was the card account originally with?

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  1. Can they repost this information on my credit file? ( nothing to date) NO
  2. Will Cabot be aware that payments have only recently stopped so not statuted barred THEY CAN OBTAIN THIS INFO
  3. They cannot default me , as I was defaulted in 2002? is this true? TRUE THEY CANNOT
  4. the account was opened in 1996 , so will they have the credit agreement, HIGHLY UNLIKELY
     
    if you receive any type of threatening letter then send a cca request

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yes unable to enforce without a reply that complies with s78(1)cca1974

 

here is the fca guidance for you

 

http://fshandbook.info/FS/html/FCA/CONC/13/1

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Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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cash cowed!!

 

 

get that CCA off

 

 

might be an idea to SAR HSBC too

 

 

what type of debt was it?

 

 

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... 

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credit card.

 

 

Just reading the FCA guidance now

 

 

(1) The copy of the executed agreement should be a 'true copy' of the original. However, as confirmed in the case of Carey v HSBC Bank plc [2009] EWHC 3417 (QB), in this context the term 'true copy' does not necessarily mean a carbon, photocopy, microfiche copy or other exact copy of the signed agreement. There is no obligation to provide a copy which includes a copy of the signature.

 

 

(2) The firm can reconstitute a copy. It can do this by re-populating a template of the relevant agreement form with the details of the specific agreement taken from its records. If the firm does provide a reconstituted copy, it should explain that that is what it has done, to avoid misleading the customer that this is a contemporaneous copy.

 

 

So if they don't find the agreement , the debt is still enforceable ?

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they'll need the signed agreement for one of that age.

 

 

no chance.

 

 

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... 

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Plenty have tried. AFAIK, none have succeeded. The laws there for a reason. Remember. They are a DCA. Not the OC. They may have bought rights and obligations to the debt, but it is unlikely any paperwork exists. Plus its cabot. 99% of the time they dont have any paperwork for the debt and rely on people slack of knowledge to get them to pay.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Send that CCA off and see what ( if anything) comes back. If cabot dont have the paperwork and they know its a bad debt, theyll try and say they have the account on hold for a while. Normally 30-40 days, even though CCA timeframe is 12+2 ;)

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 1 year later...

Hi All

 

In 2002 i defaulted a lot of debt , HSBC etc and most of which i never repaid.

 

Now 16 yrs on , I am back on my feet have a good credit rating during this time , I avoided HSBC due to the "debt"

 

My question do bank holds personal black lists of customers from year dot that havent repaid . Or once you have defaulted sold the debt on etc thats it

 

I know barclaycard accepted me , and that was 16 years on ,

 

I applied for a M&S current account and realised after it was subsidiary of HSBC . What does the esteemed group think ?

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I did a data subject access on a debt from cabot last year , HSBC credit card was sold on and the loan CCJ is still being paid 14 years on.

 

I guess does M&S bank access group HSBC records? it would be interesting to see what the decline letter looks like LOL

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I left Halifax in 2007 owing circa 50k.

 

I now bank with them, and have been for over 12 months now.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thats good news Bazooka , did you pay anything during that time?

 

No, the story goes, albeit heavily redacted, that I asked them for assistance when I knew I was going to be made permanently unemployed due to disability.

 

One of their 'Financial advisors' advised, that I could take out another unsecured loan of 25k, to pay off the previous loan I had with them (unsecured) and to part pay off my 'gold' credit card with them (iro 20k).

 

So I said, ''Oh so I take out the payment protection insurance, and then when I'm unemployed, I claim off that to pay the loan?''

'No, you can't do that as you already know you'll be being made unemployed'

 

So what exactly is your helpful advice in this matter then??

 

So once i was made unemployed, with no possibility of ever returning to the workplace, Halifax turned the thumb screws, even though I had informed them month prior to my redundancy that I wouldn't be able to service these accounts, they said 'can a friend or family member help you pay?'.

 

It was at this point, I left them, and left them to get on with things, they sent the usual bluff and begging missives, I toyed around with them for a while, baiting them when i got bored, but all in all, never paid a penny, it went through tens of DCA's all with the same standard threat templates, even trying to threaten my mother by harassing her with deforestation, which was met with a call from the local constabulary informing them that if they continued they would be committing a criminal offence of harassment, and lo and behold, nothing further.

 

Now I bank back with the Halifax, and have been for a while now.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I was with Barclaycard years ago, defaulted then issued a court claim for charges, they paid in full and offset the returned charges to close the account.

I have a Barclaycard now.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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nope, i have it in black and white they dont keep info older than 6 yrs, well that was in response to a SAR!!

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

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