Kings Hill - advice please!

[tbern123]

I am really sorry to read about your wife.

 

I think you need to write to the court and explain the situation enclosing a copy of the letter from Hodsons, stating that they were waiting on advice from their client.

 

I would also pay them £3 (£1 per account) and ask for copies of all the agreements, find out what is in your name and see if you signature was forged on any of these agreements. You could always send them another £10 for a Subject Access Request under the data protection act.

 

If your signature are forged, as cold and harsh as it sounds in the circumstances, you should report it to the Police, to get a crime reference number whice you can then give to the court.

 

When your wife died, did your bank change your mortgage into your sole name ? What names appear on the Deeds ?

 

I would also highly recommend going to see a solicitor, you really need some expert advice.

 

If all else fails. I would write to every national newpaper going telling your sorry and stating how badly you have been treated since your wife died. Cabot will hate the bad publicity, but so will the original creditors, it may force them to take action themselves.

[tbern123]

Does anyone have an email address for Kings Hill (No.1) Ltd?

 

And one for Hodson's solicitors?

 

Think I'll look for one for the County Court too...

 

I'd like to be doubly sure they get my communication!!!

 

The customer email address is:

 

[email protected]

 

or you can email their CEO directly

 

[email protected]

 

good luck

[tbern123]

If you get a spare few minutes, read this

http://www.consumeractiongroup.co.uk/forum/cabot/73598-dealing-cabot-101-a.html

 

Cabot Financial (UK) Ltd (new name for Kings Hill)

10 Kings Hill Avenue

Kings Hill

West Malling

Kent

ME19 4LT

[tbern123]

It all depends on the dates...

 

Remember Cabot Financial (UK) Ltd is the company formally called Kings Hill (No.1) Ltd.

 

The company called Kings Hill is not the one we have been dealing with previously.

 

Is there anyway you could scan the court papers so that we can take a look ?

[tbern123]

If it dates back to November, then that explains it

[tbern123]

I am really sorry that it has not worked out for you so far.

 

In relation to the default removal, it took 4 months on emails and letter and a lot of research before I managed to get them to remove the default. I think luck was on my side as the Barclaycard was not signed the agreement was improperly executed and unenforceable. As a default notice and selling the debt to a DCA is enforcement, I had them bang to rights.

 

If I was you, I would first try CAB... see what advice they can offer, then I agree seek legal advice. I am in no way an expert and anything I say shouldn't be taken as fact. 6 months ago I didn't know anything about any of this, but by reading through the different legislation and asking questions on here, I think I have learnt a lot more then I did at school lol

[tbern123]

Thats the spirit....

 

You might even start to enjoy it, there is a lot of fun and amusment to be had,

[tbern123]

Going by the defence they have filed they will say that they never recieved your CCA, which means they haven't committed an offence.

 

I would SAR them, if I was you.. Get a clear picture of where you stand after all, what do you have to lose ?

[tbern123]

I'm told by the solicitor, that no matter the outcome of the hearing to set aside the CCJ, I have to pay both sets of costs...

 

Can someone confirm or deny this?

 

 

Not sure on this one, I wouldn't have thought so.. But it wouldn't surprise me

[tbern123]

An update!!

 

In response to my CCA request, I have received the following reply from Cabot (they refer to an email I sent to their CEO, but I also sent hard copy recorded delivery) :-

 

Thank you for your recent e-mail correspondence dated 30th March 2007 addressed to our Chief Executive Officer, which has been passed to my attention for a response.

 

I regret that you again felt the need to write to Cabot Financial (Europe) Limited ("Cabot") in relation to this matter.

 

Cabot has noted the contents of your emails; however, Cabot on behalf of the Cabot Financial Group of COmpanies does not accept your interpretation in this matter. As you are aware, the case is currently proceeding through the usual litigation process. The matters which you have raised should be considered by the court within the existing case.

 

Accordingly, Cabot has no proposals to put forward to you in relation to this matter.

 

I trust this sets out our position in this matter.

 

Now, I'm reading this to say that as it has been dealt with by the court, then they seem to think they are not obliged to send me the CCA's as I have requested....?????

 

What a set of plonkers they are...

 

So, next move? Sit tight?

 

That letter sounds very familiar

 

[tbern123]

I wonder why WW didn't sign it ???

 

Not really sure when it comes to CCJ's..... sorry

[tbern123]

oh yes, there is no escape from a SAR. If they don't send you anything make a formal complaint to the ICO.

[tbern123]

My Cabot battle is temporarily on hold!

 

Mrs Psykix gave birth yesterday to our little boy - 8 weeks early!

 

Funny how things have suddenly been put into perspective!

 

Congrates.....are the both well and ok ?

[tbern123]

Contact Experian and clearly tell them that Cabot Financial (Europe) Ltd do not have your permission to search your credit file.

 

Email KM & WW and ask them, why they have searched your credit file and under what authority have them done this.

 

Report them to the Information Commissioners Office

 

Even if (UK) own the debt, (Europe) only have the authority to do 2 things. Sweet FA... not talking Fanny Adams either

 

They searched my file without my permission, this was later removed from my credit file, after I made sure Experian were fully aware of the implications of them allowing (Europe) to access my personal data.

 

This will form part of my next claim.