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Cabot CCJ's for 2 old LLoyd Card Debts - ignored everything, now 1 res K, another pending - help


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me and my wife both have credit card debts that were sold to cabot 

they have taken us to court got ccjs and have obtained a restrictuon on the house for my wifes debt,they are in the process of getting the same on my debt ,can they make these final charging orders as we both have debt with the same company 

 

 

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Short answer......no. ...because they are separate agreements.

 

 

 

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Restriction k's are useless to them when the property is jointly owned.

 

why didn't you each defend the ccj's

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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Correct

 

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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mainley because we just didnt know how to ,went to court once before and lost

starting to read up in the last few weeks realised we screwed up but was to late

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Well you were here before asking and never came back to us until now.

 

when were these ccj's attained?

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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yes i was seems like along time ago now , had alot of other things to deal with ,they were only obtained recently

my debt isnt a restriction yet 

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Tell us the history of the debts

When taken out

Last payment

Ccj dates

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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debts were taken out in 2005 and 2007 ,ccjs were april this year for my wife and july for mine ,last payments were 2016 and 2017

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what were the debts?

what type of credit and who were the original creditors?
 

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 CCJ's for 2 old LLoyd Card Debts - ignored everything, now 1 res K, another pending - help

well you should never have simply ignored everything and rolled over . dont next time ALWAYS defend.

 

for lloyds cards of that era there are known CCA issues as lloyds used to litigate themselves, but decided to then start selling the debts on for <10p=£1 to powerless DCA as they were losing in court when enforceable agreements could not be produced.

 

pers i think your best bet here is simply to ignore cabot now, there's little they can do as restriction k's don't mean you have to pay anything even if you sell/move.

 

sadly the ship has sailed with regard to you now being able to dispute the CCJ's over enforceability of the agreements and set them aside.

 

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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dont mine the restrictions being there for now my daughter and two babies live with us so cant sell until they find somewhere ,just trying to put mine and the wifes mind at rest that they cant force a sale ,then when its just me and her will just sell and move

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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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