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Cabot/Mortimer Claimform - Old Newday Marbles Card Debt.


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Hi all

update on this thread

I did sent up a token payment plan through bank /standing order etc to all 4 creditors

 

unfortunately Marbles have passed this onto frederick international this week..

.who are performing as a DCA sees fit..

.non stop emails/calls/text etc..any advice

 

...do i keep with the so I set up with these Card companies...ignore frederick ...

 

also sent 4 letters to all of them requesting freezing of interest/fees....still they keep piling on the interest etc

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who are freds clients?

 

if they've not frozen int etc

then send the second letter from the DCA forum

sorry you've failed to help me

you are only getting £1PCM now till I die.

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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ignore then

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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you can always ignore every DCA

they are not bailiffs and no legal powers whatsoever.

even if they own the debt.

 

if they are operating for a client, then they have even less legal powers :madgrin:

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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If they are calling you, then report them to Ofcom for the misuse of the telecoms network, and also to the FCA for harassing debtors.

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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Ofcom, the FCA, and your local MP.

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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And the best thing of all, they have no rights at all :) Fire off a complaint to them, ofcom, fca. Leave your MP out of it until you get resolution through those channels.

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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Leave your MP out of it until you get resolution through those channels.

 

On the contrary hit your MP first with a complaint, have them raise the issue of debtors being harassed by outfits who laugh in the face of legislation.

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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  • 2 years later...

Ok , updating to this thread...

 

.Stalemate with Cabot , as they cannot produce a CCA,

 

Cabot have come back today and now are threatening a CCJ in 4 weeks , ie pass it on to their solicitors if I do not respond, even though they were unable to produce a CCA...shall I hit them again with another request...?

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read it carefully

doesn't say WILL anything.

 

await a letter of claim and reply pack if/when one ever comes

 

 

dx

  • Like 1

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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  • 4 months later...

Hi All good morning

 

Today received a Northampton Claim Form from Cabot/Mortimer Solictors, probably a wide shot to grab a ccj without a response , any advice on the way forward ?? go for the CCA, / which they failed to produce before...

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Topic moved to Financial Legal Issues forum in view of the court claim

 

Please read the following link and then copy the Q,s and post them back here with your responses.

 

Andy

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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Name of the Claimant ?

CABOT FINANCIAL UK LIMITED

Date of issue – 20 JUL 2020

 

Particulars of Claim

 

What is the claim for –

 

1.By an agreement between New Day Ltd Re Marbles & and the defendant  on or around 15/09/2016 (the agreement) New Day Ltd Re Marbles agreed to issue the defendant with a credit card.

 

2.The defendant failed to make the minimum payments due 

 

T3.he agreement was terminated following the service of a default notice.

 

4.The agreement was assigned to the claimant.

 

5.THE CLAIMANT THEREFORE CLAIMS 1. 850 2.Costs

 

What is the total value of the claim? 980.30

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ?

No

 

Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?

No

 

Did you inform the claimant of your change of address? 

NA


Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?

Credit Card

 

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

15/09/2016

 

Do you recall how you entered into the agreement...On line /In branch/By post ? 

Online

 

Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? 

Not sure Need to check 

 

 

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. 

Debt purchaser

 

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? 

No

 

Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?

No

 

Why did you cease payments?
HAD NO INCOME

What was the date of your last payment?
JUNE 2017

Was there a dispute with the original creditor that remains unresolved?

No

 

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

Yes

 

 

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when was that CCa sent 2yrs ago?

 

new thread created for this court claim

please post here now regarding this debt.

 

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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Probably around  18 months ago

 

I had various letters from them saying that even though they could not produce a CCA, they would keep in touch via post enquiring on my ability to pay...then they would  send it to mortimers who would then send the usual Our client has instructed us blah blah

then back to Cabot

Ignored all then this Came... 

 

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and you still have the letters stating they have no CCA ??

 

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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good job

those could be useful

 

ok for the minute follow the std procedure

and yes i would send another CCa request..

might remind then how hopeless their Claim is....

 

.....................

 

pop up on the MCOL website detailed on the claimform.
[if mcol is not working return after the w/end or the next day if week time]
.
 register as an individual
 note the long gateway number given
 then log in
.
 select respond to a claim and select the start AOS box.
.
 then using the details required from the claimform
.
 defend all
 leave jurisdiction unticked
 you DO NOT file a defence at this time

[you MUST file a defence regardless by day 33 ]
 click thru to the end
 confirm and exit MCOL.
..
 get a CCA Request running to the claimant
https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/
 leave the £1PO blank and uncrossed
..
 get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant]
..

https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/
..
type your name ONLY

no need to sign anything
.
you DO NOT await the return of paperwork.
you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]
 

 

 

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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