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    • Hi friends,  I’m a bit worried I may have got confused with timings here. I thought I had 33 days from my acknowledgment to submit a defence but the date added above says 3/6/24.   have I missed the date?   if so how can I apply for an exception due to my disability and problems with deadlines and dates etc (ADHD)?   what should I submit as a defence?   I’ve had no reply from BW so far    just been back on MCOL and it says 28 days from service if I completed an acknowledgment of service so does that mean 28 days from that of acknowledgement (I.e. 16/5) which would make deadline for defence 14/6?   Thanks! Panicking here.
    • Normally we don't advise playing your cards early in a snotty letter, but as you have appealed we might as well use what you wrote in the appeal against them. There is no rush, you have until 6 July to get it to them.  See what the other regulars think too. How about something like this? -   Dear Rachael & Sean, cheers for your Letter of Claim.  I rolled around on the floor in laughter at the idea you'd actually thought I'd take such tripe seriously and would cough up! As usual you'll have been too bone idle to do any due diligence.  Had you done so you would have seen that I appealed to your client.  Indeed the driver on the day is a textbook example of having done exactly what you should do when you do not wish to be bound by the T&Cs in a private car park. Of course none of that mattered to the spivs you represent but do you really want to put such a useless case in front of a judge? To be fair, your clients are very useful members of the human race - as comedians.  How I loved the page turner of their antics at The Citrus Building in Bournemouth.  It was chuckle after chuckle reading about them, letter after letter, month after month, insisting they were legally in the right, even through someone who had done just the first day of a GCSE law course could have told them they weren't.  Until the denouement - BOOM - an absolute hammering in court.  In fact - SLAM, BANG - managing to lose twice against the same motorist for the same car park in front of two different judges. Your client can either drop their foolishness now or get yet another tolchocking* in court where I will go for an unreasonable costs order under CPR 27.14(2)(g) and spend the dosh on a nice summer holiday, while every day laughing at your clients' expense. I look forward to your deafening silence. COPIED TO COUNTRYWIDE PARKING MANAGEMENT LTD   *  This word is used under licence from Brassnecked
    • Well yes, ... and the tax dodgers ... Trump May Owe $100 Million From Double-Dip Tax Breaks, Audit Shows A previously unknown focus of an I.R.S. audit is a dubious accounting maneuver that effectively meant taking the same write-offs twice on a Chicago skyscraper. nytimes.com WWW.NYTIMES.COM  
    • more detest the insurrectional ex variety dx
    • Laura, I was surprised that the Director said that you hadn't appealed twice. I thought that the letter you posted on 24th June was the second appeal and that was to the IAS. And they did say that there was no further appeal possible. Could you please explain how many times you appealed. I am going to read your WS now. PS  Yes I meant to say that the keeper did not have a licence therefore it was wrong of them to assume he was the driver and the keeper. Thanks for picking that up.
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Cabot and old Aqua card debt - keep wanting me to increase payments now letter of claim


yesilgozlerim

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I couldn’t find my old posts but after 3 months of letters, Cabot have sent me a letter saying they will definitely be going to the solicitor to start action for a CCJ.

My default is due to drop off in 6 months and I was reading on stepchange website that if they get a court order before the 6 year limitation ends then the debt won’t become statute barred.

I’ve had no choice but to put myself in a payment plan of £1.00 per month to stop that CCJ.

My questions are these:

once the default drops off, can any defaults be re-added?

and 

They were sending me the same CCJ letters for 3 months, could they have obtained a court order without me knowing in that time ?

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old and new threads merged.

looks like you question has already been asked and answered 

re read from post 1

On 08/12/2022 at 22:56, Strawberry_candy33 said:

I’ve had no choice but to put myself in a payment plan of £1.00 per month to stop that CCJ.

eh? i hope you haven't!!!

they never replied to you CCA request did they?

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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I set it up yes but payment date is not until early January.

and no they did not reply to the CCA request.

Should  I re-request it ?

surely they must have a CCA if they want to get a CCJ against me 

I was afraid that if I didn’t offer something then they would get a court order against me and the debt will never go statute  barred.. once it goes SB I don’t have to worry anymore 

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what planet are you on?

 

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... 

 

go cancel whatever you have setup with your bank

 

stop being a DCA cash cow

 

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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12 hours ago, Strawberry_candy33 said:

I couldn’t find my old posts but after like 3 months of letters, Cabot have sent me a letter saying they will definitely be going to the solicitor to start action for a CCJ.

My default is due to drop off in 6 months and I was reading on stepchange website that if they get a court order before the 6 year limitation ends then the debt won’t become statute barred.

so- I’ve had no choice but to put myself in a payment plan of £1.00 per month to stop that CCJ.

 

My questions are these:

 

once the default drops off, can any defaults be readded?

 

and 

 

They were sending me the same CCJ letters for 3 months, so could they have obtained a court order without me knowing in that time ?

 

 

We could do with some help from you.

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  • 3 months later...

update:

Cabot have now forwarded my account to their in-house solicitors Mortimer Clark and today I received paperwork saying potential action …

what I don’t know is how to find out when exactly I defaulted on the original creditor because when looking on my credit files…

It doesn’t show at all on Experian, default on one is showing as 30 June 2017 and other as 30 September 2017.

By the end of September 2023  the debt will be statute barred anyway.

what do I do about the solicitor letter?

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if its not a letter of claim with a reply pack wanting I&E etc then safe to ignore willy waving

 

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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Share on other sites

exactly 

wanting you to wet yourself and cough up.

 

no need.

 

is this your aqua card 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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  • dx100uk changed the title to Cabot and old Aqua card debt - keep wanting me to increase payments now letter of claim

posts moved to existing thread on this newday credit card debt.

 

hit letter of claim

 

follow post 2

 

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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Ok I’m not going to lie. I’m slightly confused.

what reason would I give for disputing ?

I need to complete the pdf form in the thread and send that plus a CCA request to Cabot. 

and the same thing to the solicitor ? 

sorry got it...

I send a CCA request to Cabot with the fee

and I then send the completed form to the solicitor disputing ,  requesting more documentation 

Right ?

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:cheer2:

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

For give me DX as I don’t have the intellect that you do.

if you could clarify for me…

send a cca request along with the completed form:

— what completed form exactly ? Do I send both Cabot AND the solicitor the same pdf form on the thread?-

NOTE ONLY USE THE ATTACHED FORM below

DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAPLETTER!!

DO NOT USE OR GIVE THEM YOUR EMAIL/PHONE NUMBER.

USE ROYAL MAIL 1st class - get free proof of posting from any PO counter

 box D tick

I dispute this debt because..recommended reason as advised from your thread and add the debt purchaser has yet to provide any or all of the required documentation.

box I tick

I have requested by way of a cca request the signed agreement from the debt purchaser [CC is attached to this reply form]

what does it mean that CC is attached to this reply form?

And reason for what dispute I don’t know what to write there

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6 hours ago, Strawberry_candy33 said:

And reason for what dispute I don’t know what to write there

the claimant has previously ignored legal requests and failed to supply any supporting documentation .

 

you can post both to mortimer

however, id be inclined to post the CCA request to Cabot.

and the completed PAPLOC reply pdf to mortimer.

 

DONT RUSH POSTING these

run it close to the 30days you have...makes it closer to SB date time.

 

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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Share on other sites

It is 30 days from the date of the letter right ?

it’s dated 24th march but I only received it yesterday. So it means I have 25 days now … I will do this and completely it and send it a week before the 30 day to allow time for posting 

 

Would it wise to send a CCA request to the original creditor too?

 

I know aqua sold it to Cabot but they might have something on file still ?

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just type no need to hit quote everytime.

 

nothing to do with newday (aqua) now

they sold the debt years ago and washed their hands of it.

 

was this an online sign up or what? 

 

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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well it wont i've removed the quotes.

 

simply make a thread twice as long as is a bugger on mobile screens to see where your reply starts

just type.

 

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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  • 2 weeks later...
2 hours ago, Strawberry_candy33 said:

Ok so tomorrow I will send the paperwork.

quick question Dx….

 

 

on the CCA request is it section 77,78, or 79 ? 
 

 

 

Section 78

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 OTHER

 

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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ok

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.

ignore

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

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