CABOT/Nolan SPC Claim Hamilton court - old Aqua Card Debt

[dx100uk]

perfect thanks for all that.

nothing out of the ordinary to worry about.

 

i'll merge that into our std questionnaire later so it makes sense and tidy the thread up of all recent posts we dont now need. 

 

On 30/04/2023 at 12:37, Cbel said:

last date for response 3rd July 

 

so effectively there is nothing 'legal' nor toward the court claim you need to do until just before the above date.

 

what you now need to do is get upto speed by reading up here now on SPC in our search top right or our enhanced google searchbox here (much better!!) type in spc nolan

 

there are atleast 50 spc threads ....id be reading 20+ of them most are nolan involved.

they will tell you everything you need to do and everything going forward as the claim progresses.

 

one word of warning i will repeat again and of which you'll read in nolan threads......

 

never ever talk on the phone or respond to any letters emails texts etc without checking here FIRST.

 

they are masters of skulduggery and deception and will LIE!! ...dont fall for any of their willy waving!!

 

always ask us!!!

 

so go get reading up and pop up any questions you have .

 

dx

 

[Cbel]

Thanks so much for your help 

I have been reading threads but will read more 

I am presuming I need to respond to the court papers and pay back in instalments I am happy to pay back if needed but just wondered if it’s legal that Nolan’s send it to small claims court on behalf of Cabot 

 

what do you think I should do ? 

Or what May the outcome be ? 

thanks

C x

[dx100uk]

ive already answered this above carefully

please go read it 

 

here an a link to our nolan spc court claim threads already herein thr 

we are currently 15/2 in wins

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and yours is at hamilton sheriffs court, and we've not lost there yet, they know these fleccers well!!

 

nolans are a solicitor that represents their client, the pursuers, the debt owner in court...so i'm not sure how that is not legal.

 

please get reading up on thr link

 

read atleast 10-20+ threads particularly the one ending in won, dismissed, etc. in the title.

 

dx

 

 

 

[Cbel]

Great thanks 

c x 

[Cbel]

Hi there 

I have read through a lot of previous cases and I was going to respond to the claim against me online now or can be handwritten 

 

I don’t dispute I owe the money but not sure what to put in my response I would be able to pay back in small amounts 

should I put this in my response or not ? 

thanks again 

Clare 

[dx100uk]

no!!

 

throw the morality card out the window!!

 

you dont have to do anything till a few days before last date to respond.

you dont even know what cards they hold....no signed agreement, no default notice , no notice of assignment = no debt.

 

dx

[Cbel]

Thanks I will wait I have until 12th June to respond and 

will wait at the moment 

cheers 

c x

[dx100uk]

On 30/04/2023 at 12:37, Cbel said:

last date for response 3rd July

 

still keep reading up

lots of spc threads here

[Cbel]

I am following this for advice too 

Cabot and old Aqua Card Debt - will they go for a CCJ? - Newday - Consumer Action Group

 

I have received court papers from Cabot’s solicitors for 1600 approx debt on an aqua card

I am waiting to respond to small claims court bit unsure what to do yet 

 

still learning and reading up 

thanks

c x

[dx100uk]

not relevant..no court claim here

 

stick to asking questions on your own thread .....

you've been told what to do next already..there

[Cbel]

Yes have looked through all Cabot and Nolan claims 

in search and can’t find any which have wins or dismissed and for what reasons 

I don’t know why to put in my reponse 

I either say I owe the money or deny it and I had the debt with aqua and not cabot they simply bought the debt 

[dx100uk]

posts moved to your existing thread

 

you need to use the link i posted earlier on 

SPC Claims on CAG

click the above and read the SPC threads there front to back so you know the scottish procedure inside out.

 

dx

 

[Cbel]

Hi there 

I put my response in to the simple procedure form and have 

been asked to go on 3rd August for a case discussion

very worried also I meant to be away with work then 

any advice greatly

appreciated 

thanks 

c

[dx100uk]

tell them, phone the sheriff clerks office

why did you put your response in soooo early?

you weren't told to do that yet.

 

what did you respond with?

 

dx

[Cbel]

Hi I thought I had to put it in on 12th June and they would reply by 3rd July , plus I going for more surgery tomorrow i put it in online 

which I did online and then received a message today 

to go on 3rd of August 

I said that I was unaware of why Cabot and  plans were pushing me for this money I did previously have an aqua credit card and 

asked for CCA and received no response , 

 

i said very little as been having a terrible time and not keeping 

well do you think I messed this up? 
 

what would you expect outcome to be ? 
 

I am not disputing I owe Aqua money but they have sold it 

to Cabot and added on hundreds 

 

many thanks 

Clare 

 

 

 

 

 

 

 

Excuse the typos plans means Nolan’s 

[dx100uk]

On 30/04/2023 at 12:37, Cbel said:

last date for response 3rd July 

please i need ALL the Form 04a you filled out as your defence.

i knew you'd get things wrong as you simply dont bother reading up.

 

[Cbel]

Hi there 

I did read up as much as I could find and could not see what others had put in their defence

I did think you were helping and not put me down I have extremely difficult personal circumstances and it doesn’t cost anything to be kind 

I have told you what I put in 04a just that I had an aqua card and Cabot have bought the debt and I have asked for a CCA and 

no one has replied 

I will meet with them as they have requested 

thanks 

 

 

 

[dx100uk]

2 hours ago, Cbel said:

I did think you were helping and not put me down I have extremely difficult personal circumstances and it doesn’t cost anything to be kind

stating you had nothing to do till 3rd was helping you. i i said it 3 TIMES!!! 

we all have our crosses to bear sadly.

but that makes no odds sadly

the court wont care

the sheriff wont care

and most certainly Nolans wont care a monkeys! , but they will nail you down and exploit these silly silly mistakes.

please i need to see exactly what you put on that 04 form that you didnt need to send in making things escalate early when you needed the extra time.

if you'd left it until july then you wouldn't of heard anything back from Hamilton court until well into september, as thats the way they work on these civil consumer credit cases. 

did you follow the form4a guide and send cabots a CCa request too?

dx

 

[dx100uk]

On 15/06/2023 at 19:00, dx100uk said:

please i need to see exactly what you put on that 04 form that you didnt need to send in making things escalate early when you needed the extra time.

need to get this moving.

have you sent a CCA request?

 

dx

 

[Cbel]

Hi there D

I have managed to get hearing changed to 31st of Aug 

as I will be away on the day of the 3rd Aug 

I need to send a CCA to Cabot but need to get this printed 

off , been in hospital again and still off work think I can 

print at the library 

been reading though other cases again and trying to get my 

head round this 

cheers 

 

[dx100uk]

ok well done

take it easy

if you want help ask

but try not to vanish for too long. 

dx

 

[Cbel]

Is that all I need to do is CCA ? To Cabot 

the hearing is by video link 

[dx100uk]

you sent in the form 04

what did you put please.

dx

[Cbel]

Hi there 

I will send photo of D4 form in am 

I have not had a response from Cabot re CCA request 

So not sure how long to wait as hearing on 31st by video link 

presume I can’t email them to chase up

 

thanks 

[dx100uk]

you dont want them to have it..think about it..no signed agreement = no proof of any debt that might be owed to them as the assignee.

 

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