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    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
    • Hello everyone,   Just thought id post an update.   I've today now finally received a claim form from PRA Group. Bit annoying as the last payment to them would have August 2018 so was nearly over the line. I believe my only grounds for defence is that they haven't managed to produce a copy of the DN notice, however from some online research I managed to find some case law that stated they can use their systems screenshot to show proof of it being sent.   I know I have to respond back to their claim form and will do so online on moneyclaim, is now the time to pick up the phone to them and negotiate a deal?   Any advice as always is much appreciated it.
    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
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kings hill/hodsons[cabot] claimform - mogan Stanley card **DISCONTINUED**


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lol

 

hope it all goes well for those involved!

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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I've nothing better to do Sarah. Dogs walked, horses mucked out, dogs walked, and coffee (at last) drunk. And the missus is just away back out with the dogs again.

 

Although I must nip out for an ink cartridge. The printer has been going full belt for a few days now. :)

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  • 2 weeks later...

hi, hope you can help with this question.... i have got my credit file online from Equifax, it showed that i had 2 defauts, 1 from Barclaycard and the other to Kings Hill, both for the same amount (1100.00), i asked Equifax why i had 2 enteries the same, they have now removed the Barclaycard default, but the Kings Hill is still there, so i have told Equifax that the dept was payed a few years ago, although i dont have proof as i have moved since and dont have any old mail :/

now i have heard that Kings Hill is no longer an active Co, so can Equifax contact Kings Hill or not, and what do you guys think i should do ??

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Kings Hill lives again!!!! Name changed on 15th January for some reason we have yet to confirm (suspicion alone is not enough.) They are now Cabot Financial (UK) Limited. Not entirely sure why the defaults still seem to be under Kings Hill either, especially as my entry occurred AFTER the name change.

 

I assume the default is not showing as satisfied, hence Kings Hill being involved? And as you have moved house since, KH/Cabot have not been able to find you?

 

You mentioned a few years ago, but how long exactly?

 

Nip along to http://www.consumeractiongroup.co.uk/forum/cabot/ and start a new thread with as much info as you can, so we can see what is best to advise.

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hi, hope you can help with this question.... i have got my credit file online from Equifax, it showed that i had 2 defauts, 1 from Barclaycard and the other to Kings Hill, both for the same amount (1100.00), i asked Equifax why i had 2 enteries the same, they have now removed the Barclaycard default, but the Kings Hill is still there, so i have told Equifax that the dept was payed a few years ago, although i dont have proof as i have moved since and dont have any old mail :/

now i have heard that Kings Hill is no longer an active Co, so can Equifax contact Kings Hill or not, and what do you guys think i should do ??

 

If this was a few years ago and Barclaycard left the Default on there is a case for claiming compensation if you have had to pay a higher amount for credit as a result of the default.. think about it.

 

As for Kingshill, Seahorse is right, they did change their name over to Cabot Financial UK Ltd but I don't think they would have changed all the Kingshill named entries at the Credit Reference agencies as Kingshill was the name at the time of the default. There's a lot to learn about Cabot and the suggestion you read the threads is a wise one, something new is unfolding all the time, especailly on tbern and Debt Mountain threads.

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  • 1 month later...

Need a little more help please guys

 

. I thought i had this one beat , I managed to get this case moved to my local court then i sent them copies of the cca i sent cabot and all the replies .

 

The court sent cabot an order telling them to supply credit agreement , statement of account and deed of assignment ,

 

today i received a letter from my local court saying cabot have been granted 30 extra days to provide everything but the credit agreement , on the back is stapled a photocopy of the original agrement.

 

Any suggestions on my next move .

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can you scan it in for us to have a look at?

 

does it have all of the prescribed terms etc?

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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does it have limits, aprs all that stuff

 

you could re argue that it is not a legible copy and therefore cannot stand as CCA, as CCA states it must be legible, clear copy and fully readable etc.

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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then that doesnt comply as its not fully readable, so there is your first contestment point.

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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the CCA is your biggest point though, they may have made it small so you couldlnt read it on purpose!

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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Be a bit like taking a shotgun to your foot though, mind you, nobody ever said that the folks at these DCAs had brains so I suppose anything's possible. :-)

 

As long as it works in your favour they can keep shooting all day. :lol:

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why else would they make it unreadable?

Me Vs AA/Blair Oliver - Defaulted on CCA, Committed Criminal Offence, started chasing payment

 

Me Vs Great Universal - Wrote off the 2k balance, couldnt supply docs

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/74209-me-littlewoods-catalogue.html

 

My Friend Vs Lowell Portfolio - Balance written off, all action stopped!

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75075-my-friend-lowell-victory.html

 

My Friend Vs Empire Catalogue - Balance Cleared

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/75713-my-friend-empire-droyds.html

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After reading through the court paper work i have found a section written by the cabot solicitor it reads The claimant has requesteda copy of the defendants redir aggreementfrom morgan stanley who wer thr original creditors. A copy of this has been supplied and has been attached hereto. Dosent this break the data protection act that is on my credit agreement and surely that means cabot cannot use this as evidence???

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