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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
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    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the xx/xx/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the xx/xx/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, xx/xx/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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Nolans/Cabot/Lloyds CC- SPC


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Particulars of Claim

 

What is the claim for – the reason they have issued the claim? 

 

1.On or around 24 June 2009, Respondent entered Credit Card Agreement with Lloyds BG under which the Respondent borrowed from them a sum of money repayable on demand. Said agreement regulated under the Consumer Credit Act 1974.

The date of termination was 20 March 2012.

 

2.The respondent failed to pay as agreed on demand and is in breach of contract with said LBG.

 

3.The said supplier assigned all rights in the said debt to Cabot Financial on 24 June 2016 and the Claimants have advised Respondent of same.

 

4.The last payment was made to account on 5th December 2019. The sum of £3120 is the sum sued for.

 

5.The claimants have made frequent requests to the Respondent to make payment of the said sum but the respondent has refused or delayed to do so.

 

What is the total value of the claim? £3120.02
 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Not sure
 

Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes- moved address in August 2020, new owner signed for the SPC paperwork and has popped it through my door (I moved 4 doors round) - Letter is also addressed in my maiden name.
 

Did you inform the claimant of your change of address? No

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 ? After
 

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

Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? this does NOT show on my credit report

 

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? I think so
 

Did you receive a Default Notice from the original creditor? Yes
 

Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Can't recall
 

Why did you cease payments? went through separation, house sale etc at this time- was a credit card that my ex mainly used although I was naive enough to take it out in my name ( I was only 18 when took the card out- assumed he had paid it off from proceeds of house sale. No proof that it was him using it)
 

What was the date of your last payment? 05/12/2019
 

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? Can't recall. I panicked when I got the initial letter from Nolans advising they were acting for Cabot as I hadn't heard anything for years. I was on maternity leave and made a few small payments and filled out I&E form just to get them off my back as was struggling being a new Mum.
 

 

** Further to above

 

- I have emailed Nolans asking for breakdown of payments and copy of CCA  - they have replied back today saying payments made between 5th June 2017-5 Dec 2019.

 

They have requested a copy of the CCA from their clients however can not provide a timescale for receipt of this. They then go on to say 'as the matter is now in court, any disputes will be required to be dealt with through the court process' and recommending that I obtain independent legal advice. 

 

sorry forgot to add- this does NOT show on my credit report


Any advice is much appreciated-

 

I do not recall receiving any written comms from Cabot about this debt, the last I remember is the contact from Nolans in 2017.

 

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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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name the issuing court: Livingston Sheriff Court

 

Who Is The Claimant: Cabot Financial Uk Ltd

 

Who Are the Solicitors: Nolans

 

What type of action? (Simple/Ordinary): Simple

 

What is the claim for –

[type out ALL the text [minus pers details] [D1 BOX SPR FORM]

On or around 24 June 2009, Respondent entered Credit Card Agreement with Lloyds BG under which the Respondent borrowed from them a sum of money repayable on demand. Said agreement regulated under the Consumer Credit Act 1974. The date of termination was 20 March 2012. The respondent failed to pay as agreed on demand and is in breach of contract with said LBG. The said supplier assigned all rights in the said debt to Cabot Financial on 24 June 2016 and the Claimants have advised Respondent of same. The last payment was made to account on 5th December 2019. The sum of £3120 is the sum sued for. The claimants have made frequent requests to the Respondent to make payment of the said sum but the respondent has refused or delayed to do so.

 

 

type out ALL the text [minus pers details] [D4 BOX SPR FORM] or [Condescendence from Writ]

Date of agreement- 24 June 2009/Ref No- Unpaid balance:£3120.20 / Repayment on demand

 

date of raised claim [or court stamp date from writ or date from ] :- 18/06/2021

 

Last Date Of Service [or from form 07]:-  17/08/2021

 

Last Date For Response [or from form 07]:- 07/09/2021

 

What Documents are listed in Box E2:[or in your form requesting the same?]  zero

 

Is the claim for ......an Overdraft, credit card, loan account, HP Agreement, Catalogue or mobile phone debt? :- Credit Card

 

BOX D4 what has the claimant stated: IN FULL

 

Date of Agreement: – Date of agreement- 24 June 2009
Reference Number: – is this the original creditors account number? Not sure

how many digits does it have? 16
Unpaid balance: - £3120.20

 

BOX D5 what has the claimant stated: IN FULL or [Pleas in law from the writ]

…..The Claimants request that the court order the respondent to pay them the sum of £3120.20

 

from your knowledge: answer the following:

 

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

 

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? can't recall

 

Did you receive a Default Notice from the original creditor? Yes

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No

 

When was you last payment:-5 Dec 2019

 

Why did you cease payments:-went through separation, house sale etc at this time- was a credit card that my ex mainly used although I was naive enough to take it out in my name ( I was only 18 when took the card out- assumed he had paid it off from proceeds of house sale. No proof that it was him using it)

 

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?  Can't recall. I panicked when I got the initial letter from Nolans advising they were acting for Cabot as I hadn't heard anything for years. I was on maternity leave and made a few small payments and filled out I&E form just to get them off my back as was struggling being a new Mum.

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before you got scammed by nolans in 2019 when was the last payment made before that? (could it have been more than 5yrs gap)?

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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Nolan’s say (when I emailed them last night for copy of CCA) 

‘payments were made to this office between 5 June 2017 and 5 December 2019. We have requested a copy agreement in this matter from our clients however can not provide a timescale for receipt of this. 
As this matter is now in court any disputes will require to be dealt with through the court process. If you are unsure of your position with regards the court proceedings we would recommend that you obtain independent legal advice.
 
I honestly can’t remember any payments between 2012-2017 
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and who said do that yet?

and our CCA instructions state never ever use or give a dca or their dogs an email address...

 

 

 

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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Nolan’s already had my email address from previous communication when I must have made payments to them.

I only came across this very helpful site today after I had emailed unfortunately.

I did not acknowledge the SPC etc all I simply asked was can they provide a breakdown or payments and CCA

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well we'll cut that comms link later as nolans are untrustworthy and will pull every trick in the book on you so be VERY prepared. do not in anyway shape or form respond or do anything further regarding this claim with cabot/nolans however innocent it seems without checking here 1st please

 

the reason why we say on scottish claims not to send a CCA or anything infact until just before response date is it plays your cards early and removes the surprises they will get and looks good for you in court.

 

so now you know to sit on your hands - it's not time to do nothing though.

 

use our enhanced google search box and type in SPC Nolans

 

and get reading up a few 100 threads here 

that way you'll be upto speed.

 

now your next task is to findout through the merth of merges and splits WHO at the lloyds banking group holds your DATA. 

you need to get on the phone to LLoyds (or whomever but NOT cabot/nolans:lol:) and ask them when your last payment date was on the card , they wont have a clue you've paid nolans, not their problem.

 

see how you get on .

 

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

Ah ok- thanks very much, glad I have some reliable advice from now on! 
 

been reading all evening- what a bunch of chancers they are! Definitely feeling better about things, have hardly slept or eaten since I received the SPC. 
 

read about section E needing to be filled in by them? Absolutely nothing on mines, totally blank E1-E3. Not sure if this makes any difference? 

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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

  • 4 weeks later...
  • 2 weeks later...

Sorry been floored with Covid and only just starting to get better! 
lloyds have replied to SAR request for last payment info saying they aim to send it on by 24th August. No CCA or anything further sent from Nolan’s either since 29 June. 
DX can I PM you about something else I am concerned about RE this claim pls? 

 

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unless its pers info no . cag is for all not one..

99.9% of questions are the same as everyone else asks... an answer in the open helps everyonr ..

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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Losing sleep over this issue at the moment! Anxious waiting for Lloyds SAR request to come through.
The other issue is that I have a family member who works in the SC that the papers came from. I really do not want this person knowing my business, I know GDPR and all that but I suspect they are the one who issued the papers due to handwriting on envelope😔

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sc?

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

Unless they are a clerk of the sheriff no. The clerk of sheriff staff are listed i believe on the .gov.uk site for that court and the clerk that issued the claimpack will have their name listed on the pack too.

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

  • 2 weeks later...
On 29/06/2021 at 22:20, dx100uk said:

before you got scammed by nolans in 2019 when was the last payment made before that? (could it have been more than 5yrs gap)?

So is there a clear 5 yrs gap between the last bos payment you've found and the first payment to any fleecer?

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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Had to hide post with pdf shows your ad top left of t &cs

  • I agree 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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Share on other sites

Hi DX, from reading previous posts, in D2 should I enter… Or any other advice? Last date for response is 07/09, should I wait til that date or ok to do it now? 
 

‘The claimant has failed to date to supply, despite a previous CCA request, all the required paperwork to fully enforce the agreement under the said act.

The respondent is unaware of any compliant Default Notice served under section 87 of the CCA1974 by either the original creditor or the claimant in the last XX years.

..................’ ? 
 

 

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