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    • I don't have any doubts but that if they have breach the contract then they must leave you in the position that you would have been if the breach hadn't occurred. This means that the very least that you shouldn't be out of pocket at all – and in fact if you incurred extra losses having to remedy their breach – by making other arrangements then I think you should be entitled to this as well.
    • On a side note -  I expect Barclays to extend the contact time to the week after. Only because your case isnt a simple one to deal with and they may have to do further investigation.  Let us know what the Adjudicator says... Remember this - The FOS in recent memory have become a dog with no teeth...  
    • CCA is not re-setting the date it is a right?   no CRA showing how can they report a non existent account which is not showing, pay them and if it was then it would just show partially settled and still be there killing your score for 6 years letters may this/that and the other are just threatograms used by the office junkie, Cabot know this,  sit on your hands and stop seeing what is not there"!  Statute Barred is Final end of sure Dx  will respond as well
    • I booked a one way flight online for my wife and I with Ryanair in December '19 for a flight from Spain to UK in August '20. The flight confirmation showed that the cost of the flight was €145.68 and that my card had been debited £133.01.  I don't recall being given the option of choosing to pay in euros or GBP but it is possible that I was.   On 5/2/20 they contacted me to advise that "Due to the non-delivery of the Boeing Max aircraft this summer, please be advised that there has been a significant time change to your Ryanair booking". It was in fact much more than a significant change in that it was a cancellation of a flight on that day from that airport which had been tailored to fit our preceding travel plans so I just asked for a refund, as I could not find a suitable alternative with Ryanair.   The refund was processed and Ryanair sent me an email stating, "We confirm that your refund request has been processed back to the form of payment used to pay for your booking. Your issuing bank will take 5-7 working days to process this refund amount back to your account. The amount refunded to your credit/debit card is GBP 133.01"  When I checked my bank account I saw that they had refunded me €145.68 which when exchanged left me £119.58 leaving me £13.43 out of pocket.  On contacting Ryanair they said it was my bank's fault and not theirs as they refunded the full amount paid.  My bank advised that Ryanair debited my account originally in GBP therefore they should have refunded this amount in GBP.   I made an official complaint to Ryanair which they have rejected stating that I was in breach of their General Conditions of Carriage by not selecting the correct payment option.  I feel that because they did a currency conversion on payment and debited my account in GBP that they should have refunded the GBP amount that they took.   I also wonder how many others has this happened to and I smell a large rat. Could anyone offer any views on this, and/or if I have any comeback and where I could take it please?
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Blueboy7

Cabot/Mortimer PAP Letter - old Zopa Loan

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Hello, im after some help please,

 

 This morning i received a letter from Mortimer clark solicitors in regards to cabot,

it  for a unsecured loan with zopa, from 2016,

 

they say there is a statement enclosed but it is just a cobot headed letter with open balance and date and closing balance and date which are both the same, no statement is in the letter, how do i know this is the amount?

 

They have enclosed lots of letters with boxs for me to fill in and sign also it has a expenditure form in and sign,

The solicitors has threatened that i have 30 days then it will be instructed to go to court for a ccj,

 

any ideas what im to do next pleased ?

 

Any help would be greatly appreciated.

 

Thank you 

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Hi and Welcome to CAG

 

I have moved your thread to the appropriate forum ....Debt Collection Agencies.

 

Have you received something vaguely resembling the following ...?

 

https://www.consumeractiongroup.co.uk/topic/406231-the-pre-action-protocol-for-debt-claims-is-made-by-the-master-of-the-rolls-as-head-of-civil-justice-1st-oct-2017/

 

Regards

 

Andy


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tell us a bit more about the history of this loan too?

is it n your credit file?

when did you take it out?

why did you stop paying?

when did you stop paying?

 

have you moved since you too it out too?
 


please don't hit Quote...just type we know what we said earlier..

 

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Andyyorch & Dx100uk, thank you. 

the loan was taken out in 2016

 

Stopped paying due to wife losing job then i had wage cut so could only manage essentials,

 

tried for iva but didn't have enough to pay one of them,

His words were how you surviving you have more going out than coming in.. not moved house.

 

I trying to sign up for free credit report so will let you now if its on there.

 

In regards to the letter it looks all official and asking for my outgoings there is a dd mandate form

,No schedule of payments that has been made or any paperwork from zopa ! 

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So its not from solicitor and not titled letter of claim?


please don't hit Quote...just type we know what we said earlier..

 

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Yes its headed from a solicitors Mortimer clark but says 

We need your attention potential legal action.we need to talk to you about this debt, if we do not hear from you cabot will ask us to issue court proceedings and then we will ask the court to order a CCJ 

At the end of the 1st page it says...cabot is flexible about repayment and would accept a reasonable offer of payment,based on what you can afford.

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Send Cabot a Section 77 request in return,,,does it state an agreement number on this threat o gram ?


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Yeh there is a agreement number on it. 

What is a section 77  ?

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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

 

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Thank you 

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They have enclosed lots of letters with boxs for me to fill in and sign also it has a expenditure form in and sign,

 

Are you sure its not a PAP Letter before action as per link in post#2 ?


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PAP letter ? Do u want me to post pic of them ? 

 

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Easier for you to check the link I provided and see if the forms are the same...its just you referred to boxes to tick and 30 days.


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Yeh it does look like a PAP letter, 

 

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Thought so....okay complete the form as per our instructions using our forms not theirs..and attach your section 77 request...job done.

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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

 

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Thanks andyorch, could you please put a link to your forms that i need to fill out. 

What will happen then ? Or is it a wait and see what they decide ? 

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There in the above link


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Sorry just realised, 🙄 

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I am not to sign them am i ? Nor shall i give any phone number or email? 

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no no and no.

 

and use our reply form not theirs!!

 

yes just realise Mortimer clarks PAP letter is different to everyone else and the recommended format

but thats cabot for you!!

 

 


please don't hit Quote...just type we know what we said earlier..

 

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Had 3 calls this morning from Mortimer clark to contact them ? What kind of solicitor calls that many times..  also noticed that letter from them was dated 5/4/19 when only received on 11/4/19 !!!!

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Desperate ones  DCAs disguised as Solicitors.

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We could do with some help from you.

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

 

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Do you remember the "two Ronnies" sketch about the tramps where one says "If I were Rockerfeller I would be richer than Rockerfeller" the other says "hows that then?"

" I would do a bit of window cleaning on the side"

Mortimers and others are exactly the same, they use their letterhead to do a bit on the side that isnt regulated activity because their SRA membership covers them. They are not acting in their capacity as a solicitor at this stage but sending back the suggetsed form will cut them off at the knees if they decide they ar working as a sloicitor because they have seen some easy meat

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Hello again, i am stuck with what i  should put in box D, i dispute the debt because? 

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was this loan given to you whilst you have a shedfull of other debt and your credit file had lots of defaults and missed payment markers?


please don't hit Quote...just type we know what we said earlier..

 

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