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    • yes when you get your N180 from the court. on the sols copy omit phone/sog/email.
    • you dont need a copy of the letter. just proof. it might pay you to sar SLC as if they had your correct address on record before loan sales to erudio , that will add another very strong string to your bow toward setting aside this backdoor CCJ and the arrows you'll fire at Arrows (Erudio are arrows DCA in sheeps clothing)   you also might like many others find that you still have access to the online SLC portal. that could be useful with info. like deferral dates etc and address and what they knew and when.   at present you are in the info gathering stage, the more of that you can get the better.
    • IMHO i would never have a DD setup for any consumer credit debt. they are not a priority, like mortgage/rent/CTAX/Gas/Electric.   this gives you a bit more work to do, but it ensures there is always money for the priority things that can threaten the roof over your head or it's the necessary home utils needed with one.   it's also worthy to note that somethings that are unconscious priorities (though NOT!) like mobiles/phone/digital tv and broadband etc DD's often contribute to the real priorities not being paid. careful management of those needs to be exercised, like moving their payment dates to after the priorities are deal with in your calendar, or vice versa move the priorities to before those come out.   it is stunningly amazing how many families fall into priority bill debts by blindly pay these 'mentally essential luxury gadget' bills and are in total ignorance of the effect they have upon their available funds as 'they can't live without them'.
    • Just as UB says, he bailiff does not need to be invited in, but he certainly should have announced himself. i dont suppose he said what the enforcement was for?   The bailiff has to have a "reasonable belief" that the debtor resides at your address, if he is permitted to enter.   In the first post you say the Warrant was addressed to next door, is this your daughters property and did this Richard live at that address or your address.?   We should find out what the bailiff may say to try and justify his actions.    
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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Cabot chasing 6years + santander car loan CCJ


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Hi!

I'm new here so I apologise if I am posting in the wrong place.

 

Long story short

I have received a letter from Cabot advising that they are going to instruct a company called Resolvecall to call at my house and "put me back in touch with them".

This is regarding a loan which was a CCJ but that dropped off 18 months ago.

 

I have received nothing else regarding this debt I just realised there was a CCJ logged on my credit file.

I was very ill and going through a difficult separation when this debt defaulted (originally Santander) and missed one payment.

Despite me offering to catch up by paying £50 extra per month Santander refused and it has never been resolved from there.

 

Do I ignore the letter in the hope they won't bother to send someone round?

I have looked at all the other threads but am confused regarding CCJ's over 6 years old which weren't enforced during that 6 years.

Thanks in advance!

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resolvecall ae a powerless DCA and are NOT BAILIFFs

but I doubt they'll call anyway,

 

as for it not being enforced within 6yrs

they can try

but probably wont succeed.

 

only start to worry if the court write to you

or

a real court bailiff.

 

so why did you not defend the original claim?

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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Thanks for the reply.

 

In all honesty I can't remember what happened with it

I remember someone coming round from Santander at the time and saying they needed to take my car away

(it was an unsecured loan so I wouldn't let them) but I was suffering depression at the time.

 

I haven't heard from anyone since until I got this letter from Cabot

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Did you mean that the loan had dropped off but the CCJ was still on there?

We could do with some help from you.

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Then it's as DX100 says, they would need to go back to court to enforce this and it's not very likely they would win, as it's more than 6 years old. Therefore the only letters you need to worry about are one's from a court. The chances of this happening are vanishingly unlikely.

 

Anything from Cabot or likewise is just trying to scare you into paying something that 99% chance you really don't need to worry about. Cabot have zero legal right to enforce this, and I seriously doubt anyone will call around.

We could do with some help from you.

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I just had a Santander CCJ drop off my credit file this month, that's why your thread resonated with me. In my case they made no effort to enforce the CCJ, never even bothered trying to contact me. I will certainly take my own advice if the same thing happens to me.

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

 

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The chance of them being allowed to enforce the CCJ after all this time is pretty much nil. Out of the tens if not hundreds of thousands of CCJ's that have expired, perhaps less than 1% have been allowed to be enforced.

 

Cabot have bought a bunch of bad debts and seem to be going through their old portfolios lately, and chasing people, even though theres no way they can win. They know that many people think that cabot is a legal body and can do anything, so they take advantage of it

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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so satans bank wanted to repo a car that was subject to an unsecured pers loan..

urm.. I wonder if it was one of their whereby the car was just listed as goods and it wasn't HP either

naughty on them...

 

but I suspect it wasn't satans bank at your door anyway but some powerless repo agent they sent.you'd probably paid more than 1/3rd anyway I bet!!

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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No such thing if its an unsecured personal loan..there are no listed goods...and as far as Im aware Santander do not do HP.

 

Possibly some DCA acting as a bailiff and threatening to take the car...if they legally could of they would of.

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 The National Consumer Service

 

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

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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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Share on other sites

Provided by the dealer not directly from Santander personal loans.

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 The National Consumer Service

 

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

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