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    • make a new topic for each company. scan up to PDF their full responce   that way we wont be getting your knickers in a twist   most likely scenario will be straight off to the FOS if they've sent their final response don't forget very few will ever cough they did wrong at the 1st try use this thread for general info concerning all of them
    • Hi Guys   So a number of weeks ago I began the process of opening IRL claims on 35 payday loans.    15 of the loans are ongoing, with monthly credit commitments standing at around £2k per month.    I have so far written and sent letters of complaint on these 15 loans (to 10 different companies).    I have outline drafts for the other 20, although the structure is largely the same.    I have run out of momentum in a big way but having had a short break with my young family I am getting back on the case. I have begun to receive replies from the Companies in question, none of which have been favourable thus far. I have also not spoken with and come to an arrangement on a payment plan for a handful, which is adding to the stress and impact on my mental health.    My intention with this topic is to try to lay out in as concise a way as possible the history of these loans, the key figures involved and also an example of the letters that I have sent thus far.    From there I will share the responses that I receive and further action thereafter.    I am unsure on a number of issues if I am honest. I do not think that I provided anywhere near enough evidence in my letters, which is probably going to lead to a string of rejections. I can not afford to repay the loans under the initial terms and in any case I have no intention of repaying a single penny over the loan capital.    I am concerned about the effect that this will have on my credit file, the security of my mortgaged house, the prospect of bailiffs etc. should I run into problems while waiting for The Financial Ombudsman.    I feel it is therefore in my favour that I have not yet sent the other 20 letters, which request a refund of interest totalling nearly £4k, as I expect to have a much stronger case within a couple of weeks.    I am off to search the forum as I recall seeing a post about Etiquette when posting files, and I will have quite a few to upload. First being a spreadsheet which I hope will give a clear understanding of all of this.    Most of all I am hoping that, by the end of this process, my journey will give even a single person the means and hope to get themselves out of a similar position.    Thanks for reading.   Pierre.    
    • I am back as I today have got Notice to registered keeper showing parking charge amount due now is £100.   What shall I do now? ignore or appeal?   Please see below my answers now that I have received NTK.   1 The date of infringement? Answer: 18th June 2019   2 Have you yet appealed to the parking company yet? [Y/N?]  Answer:  I haven't appealed yet.  If you haven't appealed yet - ,.........   have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] what date is on it Answer: couldn't find the date however I received it today (22nd July 2019) Did the NTK provide photographic evidence?  Answer: Yes, although it only shows the number plate of my car.   3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?]  Answer:  No.     4 If you appealed after receiving the NTK,  did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] Answer: I haven't appealed yet.   5 Who is the parking company? Answer: MET Parking Services Ltd.   6. where exactly [Carpark name and town] did you park? South Ruislip ASDA, (840) Arla old dairy    Please also see the attached copy of the NTK that I have received. Scan 22 Jul 2019.pdf
    • What would be the orders of the courts in this scenario? The only court involvement normally is the rubber-stamping of a bailiff warrant. What other court interest is there?
    • Hi Gusolo.   I see you've been here for a while, so maybe I could suggest that you read around our PPC forums for cases involving Amtrac and other PPCs to understand how they operate.   Here at CAG we like people to self educate so that if the issue ever goes to court they understand the arguments that they need to make.   HB
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nat8808

Cabot/Mortimer claimform - Card debt - but POC lacking information & a CPR 31.14 request

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Hi,

 

I've received a County Court Business Centre claim from Mortimer and Clarke on behalf of Cabot.

The description of what they're claiming is so very vauge and doesn't even mention an account number or any reference at all.

It just states that it is regarding a claim for an amount arising from an agreement with a credit card company a rough date as to when they think an agreement was entered into, a statement that the debt was assigned and then "The claimant therefore claims £xxx costs" . And that is it.

 

I had missed the Letter of Claim I had been sent which, now I've found and opened it, does give some more info. However, obviously I haven't responded to it within the 30 days.

 

So.. in response now to the Court claim, do I ignore the info in the Letter of Claim and proceed as if it didn't exist?

 

In other words, should I request all the lacking information in the court claim from Mortimer & Clarke under CPR 31.14 as I have done previously with an old Cabot claim or is the Letter of Claim part of precedings?

 

Many thanks in advance for any advice.

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Acknowledge the claim on MCOL, and tick defend all, then send in the CPR, others will be along soon.

with more advice


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moved to legals

 

sounds like a std cabot/Mortimer claim TBH

 

please complete this

so we have all the info to properly advise you

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do-**UPDATED-2018**(2-Viewing)-nbsp


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.

 

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and?

 

- - - Updated - - -

 

and?


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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Hi,

Sorry for not replying at the time- My time was running out for my response to the claim didn't have time to fill in the CAG form etc

then get bogged down in questions about the specific details of my claim when it was a technical question as to whether the Letter of Claim was part of their submission to the court. 

 

I think I had to submit it that night or the next day.My response to the county court did ask for all the details that was lacking on the court claim form - I obviously can't properly respond legally without these details. In response, Mortimer and Clarke soon stated they were no longer pursuing in the claim. 

 

I should really make sure this is quashed on the court side of things too...does anyone know the name of the form for this?

Thanks in advance

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the claim is stayed 

not a lot you need to do 

 

 


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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