Cabot/Nolans SPC Claim - old Cap1 Card debt

[DA11]

It certainly is. What should be my next step? I'd quite like to get Nolans/The Court notified of these sums before the next scheduled hearing.

[dx100uk]

im toying with contacting nolans saying i'll offer you £828.21 - 

£717.22 = 111.01 to drop the claim....

[DA11]

I'd be over the moon if they were to accept that.

[dx100uk]

when do the gambling entries start and end please on the statements

[DA11]

First one is 08/06/2014. 
Last is 24/07/2018.

[dx100uk]

hearing is not until the 25th? so let things run.

 

knowing clueless nolans they'll send you some missive with this or that making out you have no real chance of any success trying to intimidate and threaten you.... 

 

i'd say around the 15th we'll start dangling a carrot with your offer and including  about address move and gambling addiction etc at that period and that you though ( as is true) there was no or a very small debt , but are shocked that 90% are unlawful charges that are not enforceable.

 

their client assumed all responsibility under the CCA when they purchased the debt , so you'll have a good chance here IMHO.

 

dx

 

 

 

[DA11]

Yes that’s correct 25th. 
 

Cheers again.

[DA11]

Going to get this letter typed in the next couple of days. Should it just be sent to Nolans?

 

On it I should have what I am willing to pay and why that amount? Also mention about the bad gambling habit at that time which is proven throughout the various bank statements. Should I mention the change of address?

[dx100uk]

 

On 03/10/2021 at 17:29, dx100uk said:

'd say around the 15th we'll start dangling a carrot with your offer and including  about address move and gambling addiction etc at that period and that you though ( as is true) there was no or a very small debt , but are shocked that 90% are unlawful charges that are not enforceable.

 

their client assumed all responsibility under the CCA when they purchased the debt , so you'll have a good chance here IMHO.

main thrust is you dont owe the charges offer them the £114? left to discontinue the claim save to costs.

inc spreadsheets, dont waffle!!

 

 

[DA11]

Would there be any harm in e-mailing my response to them with the excel sheets attached to possibly speed up the response or would it be preferable to do an old fashioned letter?

[dx100uk]

god never give nolans an email...ever!!

 

lets see the letter 1st please

[DA11]

Nolans Letter-converted.pdf

[dx100uk]

thats really superb.

 

it might be worthy to address their admittance or not of the debt sword waving to begin or use you 1st sentence to clarify this matter.

 

i'e something like , i did not believe any debt existed as it was some many years ago , at an old address and totally forgot about. i was in a dark place then due to a gambling addiction.

 

you get the idea......

[DA11]

Just over a week on and there’s been nothing from them. Safe to assume they are ignoring it and will just be hoping for a result from the court?

[DA11]

Notified the court I was unavailable for the scheduled hearing on Monday but I sent them my defence as well as the letter I sent to Nolan’s and a copy of the spreadsheets. Also notified them I had contacted Nolan’s with the evidence but had received no reply. 
 

Ive now received this. Any thoughts dx? 
 

Order of the Sheriff.pdf

[dx100uk]

in person hearing 11th nov.

 

dx

[DA11]

Yes do you think I should go and fight my case? I always try ought if it got to this stage with an in court appearance I’d just accept defeat and pay it but after you mentioning the charges thing I think I’m going to fight my case now.

[dx100uk]

god yes fight it, its not as if the charges were not mentioned from the get go and unlike E&W we've seen several cases whereby the owed sum has been reduced by these charges even if you 'lose'

[DA11]

Case management discussion tomorrow morning dx.

 

Any tips? I don't really have much to say in the matter other than sticking by that the charges should be removed? Is there anywhere I can read about this reading in 2006 to back me up any?

[Shooz91]

How did you get on?