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    • 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.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
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kings hill/hodsons[cabot] claimform - mogan Stanley card **DISCONTINUED**


mrrj
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i cant answer that one

 

anyone?

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'd call information commissioner for some advice about whether it constitutes a breach under these circumstances before you bring it up in front of a judge.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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after reading some other threads i have now realised that i have never recieved a notice of assignment does this mean they cannot pursue me through court until they issue me one.

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Im in a court case with cabot after they tried to get a ccj theyhave come up with a very small and unreadable credit agreement . The courts have given them 30 days to come up with an account statement and a deed of assignment is it easy for them to come up with these ??

Thanx mrrj

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I got a copy about a quater of an A4 sheet i can read my writing and signature on it but pretty much everything else is unreadable

 

 

 

Hello mrrj,

 

 

Can you scan the copy of the agreement they sent.

 

Then we can take a closer look, and advise accordingly.

 

In any case, sounds like you should push the illegibility of the agreement with the courts!

 

If you can't read it, how do you know what you are supposed to of signed for?

 

 

 

Good luck, Jeff.

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  • 2 weeks later...

myAlbums.do%26state%3DalbumId%253D39683.1512.1178113533770.1%2526imageView%253Dsingle%2526cursor%253D0

 

pic?id=f220cRnnSrctwY*o0FRqvXlK4M8ltbuVK4gwv4xQp5Fd3Ig=&size=l

 

This is the first page of the CA (minus details) bit hard to read eh?

 

attachment.php?attachmentid=474&stc=1&d=1178116287

 

attachment.php?attachmentid=475&stc=1&d=1178116481

2nd page

 

After talking to customer liasons at morgan stanleys today ,I asked them why the passed a copy of my CA to another company (cabot) she replied "we can pass cabot a copy of your CA as cabot are part of our group of companies" sounds a bit scary eh

 

Speaking to Morgan Stanley today they claim the reason they gave cabot a copy of my CA is because cabot is part of there group of companys?

ca.jpg

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Speaking to Morgan Stanley today they claim the reason they gave cabot a copy of my CA is because cabot is part of there group of companys?

 

What? :o Nonsense - the Japanese own part of it, Barclay's and a bunch of other nondescripts own the rest.

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The woman from cust liasons at morgan stanley insisted they only sell

debts to companys in their own group of companys , sounded a bit suspect to me

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That good new for a moment there i thought cabot would have no problem getting their hands on my morgan stanley statement and deed of assignment before the 13th Which is how long the court have given them

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Hmm - friend of mine is an executive director at morgan stanley - may have to drop him an email.

 

ps He's actually a very genuinely lovely guy.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Hmm - friend of mine is an executive director at morgan stanley - may have to drop him an email.

 

ps He's actually a very genuinely lovely guy.

 

I don't doubt most of these people we are dealing with actually are genuine lovely people... misguided sometimes by powers higher than them, but lovely people non the less.

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  • 2 weeks later...

Starting to think maybe i bit off more than i can chew ,

 

today received a nice little letter from hodgsons containing a statement for this claim .

 

They only had till thursday to produce the statement and the DOA and i thought i was sitting pretty .

 

They have now given me a copy of my agreement (Very dodgy unreadable copy ) and a copy of my statements.

 

The statements are just bad copies with no morgan stanley writing on them at all.

 

Any advice would now be very greatly welcomed.

 

These guys have 2 days to produce a DOA but i have never recieved a notice of assignment can i use this in my favour?

 

Deed of assignment, probably. But account statement? Well, I don't THINK anyone has actually managed to get one from them yet.

Well im afriad today cabot suppied me with account statements .DOA next and them im screwed:(

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First and foremost, make sure of EXACTLY what you have been sent. A dodgy copy of what precisely? If it does not show it is a credit agreement and is only a copy of an application form or does not hold all the prescribed terms then come back here.

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Are you sure it is a CCA and not an application form?

 

there are some weird Docs floating around that a lot of companies are trying to pass off as CCA's.

 

You want a legible copy to view - they haven't complied with your request if you can't read it.

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Well im afriad today cabot suppied me with account statements .DOA next and them im screwed:(
Its not all over yet. They have to produce a Legible, Executed copy of the Agreement

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Is It i true when this DOA was issued i should have recieved a notice of assignment ,

if so will me not receiving one help me in court????

 

Help needed pleeeaase

 

Today received what cabot claim is the DOA ,

this is the final document that they needed to supply (CA AND sTATEMENT PROVIDED) before their time ran out at the end of today .

 

Can any one tell me if there are any prescribed terms of a DOA as the one i received just seems to be copys of the sale aggreements and a page at the back signed by cabot and morgan stanley with no dates on them???

 

After flicking through the "DOA" its quite clear that all the way from front to back (about 50 pages ) it has no reference to me at all apart from a single line on the back page showing my name ,

acc number and

amount of debt ,

 

this is clearly not printed in the same format as the rest of the document surely this cant be used by cabot in my court case .

Any suggegestions

 

I have recieved what cabot are claiming to be my DOA what makes it an executed copy?

 

Has anyone else received a cabot DOA ?? certainly makes good reading!:-?

 

After spending some time digging in this DOA its quite clear that this is a DOA for a bulk purchase .

 

anyone know the legalities about this and will the DJ accept this (even though it has not details of any accounts) as a legal DOA ??

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If the amount showing is incorrect i.e. contains charges (either cabots admin charges or unlawful bank charges) the document is legally invalid. Have you sent them a CCA request and asked for a statement of account? If not do this.

I would also send a SAR to the original creditor if you have not already done this.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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