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    • I know.   I think I remember that the morning after the referendum Boris or Nigel admitted that the £350 million for the NHS wasn't true.
    • He'll just write something on the side of a bus and that will make everything OK.  The very fact that Boris is so far ahead in the running is proof that they can get away with just about anything so will continue to lie. Seriously, it's pretty obvious they regard the electorate with contempt.
    • Good point, hightail.   And assuming Boris wins, how is he going to explain to party members that the EU won't renegotiate? Or doesn't he care because the decision will be back with Parliament?
    • Update, new tactic from Cabot?? After a quiet period I suddenly get a call to my mobile asking for me by my first name to which i answered yes, (my name) speaking. Caller then says this is Cabot Financial, my reply, never heard of you sorry. I ended the call and blocked the number ( a mobile). Ten minutes later I get a text message stating: Hi, its Cabot click this secure message link if you want to hear something beneficial to you ( or words to that effect). I deleted the message and blocked the sender but I am curious as to what this ploy is. I am guessing by clicking the secure message link I will be acknowledging the debt and thereby resetting the statute barred clock. Have any other Forum members experienced the secure message approach? Thanks in advance.
    • I doubt they really do believe it.  They believe the party membership will believe it - and they already know they'll believe just about anything.
  • Our picks

    • My personal experiences of Future Comms 
       
      Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!
      • 0 replies
    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
        • Like
      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies

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Posted (edited)

name the issuing court: Kirkcaldy

 

Who Is The Claimant: Cabot Financial (UK) Limited, Marlin House, 16-22 Grafton Road, Worthing, West Sussex, BN11 1QP

 

Who Are the Solicitors: Simon Nolan (Nolan’s Solicitors)

What type of action? : Simple

 

What is the claim for –

 

1. on 21/09/2015 the Respondent entered a credit card agreement with NEW DAY LTD under which the respondent borrowed from them a sum of money repayable on demand. The said agreement was an agreement regulated under the consumer credit act 1974..

 

2.The Respondent failed to pay as agreed on demand and is in breach of contract with the said NEW DAY LTD.

The said supplier assigned all rights in the said debt of £3079.52 is the sum sued for.

 

3.The Claimants have made frequent requests to the respondent to make payment of the said sum but the Respondent has refused or delayed to do so.

 

date of raised claim :- 20 November 2018

 

Last Date Of Service:-14/12/2018

Last Date For Response:- 4/01/2019

 

What Documents are listed in Box E2

 

1. No defence – No evidence required.

2. No Stateable Defence (rule 4.4 breach)

3. Defence on Prescription- copy statement of account only. (Agreement must be admitted to plead prescription. So agreement not required.)

4. Denial of Agreement – Copy agreement dated 21/09/2015

N.B Generic rule 8 order should never be issued. The facts of each individual case must be considered. It should never be appropriate to have to plead such as assignations or default notices until/unless specific defences are led. The salient feature of assignation is that it does not require the consent of the defender and the averments in this form are sufficient to confirm intimation. Default notices should never be plead due to Omnia Praesumunter Rite Acta Esse (trustees of the Scottish Solicitors Staff Pension Fund v Pattison & Sim, CISH 96 and Trayners Latin Maxims, p419 420)

 

The claim is for a credit card from Aqua

 

BOX D5 what has the claimant stated: The claimants request that the court order the respondent to pay the sum of £3079.52

 

When did you enter into the original agreement before or after 2007? AFTER 2007

 

Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.:- It is the debt purchaser who issued the claim.

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes

 

Did you receive a Default Notice from the original creditor? Not sure, sorry.

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? - Not that I have noticed

 

When was you last payment:- 23 June 2017

 

Why did you cease payments:- I could not afford the payments, I lost a lot of work and my income went down so low that I was unable to keep up the payments.

 

Was there a dispute with the original creditor that remains unresolved? NO, but I dispute the amount I am being pursued for on the basis that my credit limit was only £1500 yet they want £3079

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan

? Yes, I offered to pay £10 a week and although they did not formally agree I continued to pay the £10 until June when I simply could not afford it.

 

I have been served with this Form 6A, the simple procedure for notice of claim from Cabot regarding an Aqua Credit Card I had.

I have no idea what to do as I am owe money but not £3092, my credit limit was only £1500!

Can anyone advise?

 

I only have a few days to respond and dont know whether to ask for time to pay (I have very little to spare, if anything due to my current financial circumstances) or to dispute the claim and stating the reason as being the amount is in dispute...

 

I have filled out the parts requested to the best of my abilities

 

any help is appreciated, i did not realise the date to respond is 4 days from now so im a bit panicky.

Edited by dx100uk
format

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moved and retitled to the Scotland forum.

plenty to read here

 

for the minute follow:

2 identical claims

https://cse.google.co.uk/cse?cx=partner-pub-8889411648654839:6449422593&ie=UTF-8&q=CISH+96+and+Trayners+Latin+Maxims&sa=Search+CAG

 

then get the response form/CCA request etc done

and read up about nolans and their tactics.

 

comeback with any issues.

copy the response forum to nolans and the court

 

dx


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

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hows this going?


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

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