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    • Daft question - but you filed the defence on-line on MCOL as dx indicated, right?
    • We looked up the e-mail address so communications would be in writing.  If you do stuff on the phone the other party can just deny the contents of the conversation.  They can't deny what's written in an e-mail. So time to sort Pete out.  Check the following for accuracy and change anything I've got wrong.  Then e-mail Pete this evening.  I was thinking of threatening the pub with legal action but let's initially be nice.   Dear Pete, Re: PCN no.XXXXX, claim form no.XXXXX on 23 July 2022 I was a customer at your pub and I attach proof of purchase. I was picking up my cousin Ms XXXXX and her family as she was working as a cook with you at the time.  I entered the pub through the back door, went to the bar, and ordered a drink and a meal.  At no point did any bar staff alert me that I needed to add my registration number or did I see any signs advising me to do so.  I then took a seat outside in a small seated area so I could chat to my cousin while waiting for her to finish work.  We were joined by the management of the pub and bar staff during my time waiting  I was shocked a few days later when I received a demand for £100 from Civil Enforcement Ltd.  i contacted the pub and was told "don't worry, it's not enforceable". Well, that information turned out to be nonsense because I have now received a county court claim form from CEL. I contacted the pub again on XXXXX and was extremely disappointed to be told "there's nothing we can do". Of course there is something you can do.  You are the organ grinder.  You called CEL in.  You can call your dogs off.  Your pub has absolutely superb reviews on Google Maps regarding the way in which you treat guests.  Do you really think customers should be dragged to court?  I'm sure you don't. I am therefore requesting that you intervene and instruct CEL to cease court action. Yours, XXXXX
    • Thank you - Defence has now been filed Doc_20240501_182920_Redacted.pdf
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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HAK v Cahoot


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The only man who sticks closer to you in adversity than a friend is a creditor.

 

Debt Collection Charges

 

There is no legal basis for a creditor or a debt collection agency acting on its behalf to claim collection costs from a debtor unless there is an express provision in the original agreement.

 

Without such provision, collection charges cannot be demanded as a debt due under the agreement.

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Please bear in mind that I am still quite green with regards credit agreements, however I was under the impression that the signature had to be on the same page as the prescribed terms.

Also Cahoot have executed the agreement before I have signed it (not sure if this has any relevance)

 

US

The only man who sticks closer to you in adversity than a friend is a creditor.

 

Debt Collection Charges

 

There is no legal basis for a creditor or a debt collection agency acting on its behalf to claim collection costs from a debtor unless there is an express provision in the original agreement.

 

Without such provision, collection charges cannot be demanded as a debt due under the agreement.

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  • 2 months later...

These people are not playing ball:

 

With my flexi loan I am trying to come to an arrangement but they have just said today:

 

We will not exept your offer and we are going to default you and send the account to a debt colector.

 

Not sure if to CCA them now or wait till they pass it to a debt collector.

 

HAK

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Hi HAK :)

 

I had a cahoot loan around 2003-2004. It had been with a DCA for the last couple of years. They defaulted on my CCA request about 6 months ago. TS put a stop to the harrassment.

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Hopeful

 

Thats good to hear.

 

They are in default with my CC and overdraft CCA at the moment and still pestering me.

 

HAK

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  • 3 months later...

Well I am totally screwed with these.

 

They have produced an agreement for my Flexo Loan, CC and even my current account........:eek:

 

Will have to do some serious creeping!!!

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Well I am totally screwed with these.

 

They have produced an agreement for my Flexo Loan, CC and even my current account........:eek:

 

Will have to do some serious creeping!!!

 

It's probably a daft question, but are you sure the loan and credit card docs are enforceable?

 

Any charges to reclaim?

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Hi Hopefull

 

These are the best examples of credit agreements I have seen.

 

There are lots of charges to be claimed back but I using these to tryand stop them defaulting me.

 

HAK

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Oh man! :(

 

When you make a repayment offer, start paying it into the account asap, just in case they are awkward and say they won't accept it. If they accept the money into the account they are as good as accepting your offer.

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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  • 3 months later...

Well this account is with Equidebt and they have exepted a low monthly payment and interest has stopped.

 

I must say I broke the rules and called Equidebt. I spoke to the most pleasant lady ever.

 

I then wrote a letter in and they have exepted my offer.

 

Why cant they all be like these!!!

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Well this account is with Equidebt and they have exepted a low monthly payment and interest has stopped.

 

I must say I broke the rules and called Equidebt. I spoke to the most pleasant lady ever.

 

How naughty are you?!! :p

 

I then wrote a letter in and they have exepted my offer.

 

Why cant they all be like these!!!

 

 

It's good to hear from you again. I thought i'd noticed you the other day, but i'm very easily distracted!! :rolleyes:

 

Are you going to go after the charges now?

  • Haha 1

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Hi

 

This is a flexi loan and there are no charges on it.

Its my CC and OD with the charges but they are still sat in limbo and waiting to be defaulted:D

 

HAK

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Hi

 

This is a flexi loan and there are no charges on it.

Its my CC and OD with the charges but they are still sat in limbo and waiting to be defaulted:D

 

HAK

 

You're certainly hanging on in there with that default aren't you? :grin:

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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Well Equidebt have exepted my offer in writing.

 

What a pleasure to deal with such a well manered DC.

 

This is of there web site and its true:

 

We have a responsibility to those from whom we are collecting money to:-

  • have respect for them as individuals even though we may not agree with them or the choices they have made
  • do everything we can to optimise collections without resorting to underhand, oppressive or unfair collection methods
  • handle monies, correspondence, telephone calls and complaints promptly, efficiently and courteously

HAK

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Well Equidebt have exepted my offer in writing.

 

What a pleasure to deal with such a well manered DC.

 

This is of there web site and its true:

 

 

We have a responsibility to those from whom we are collecting money to:-

  • have respect for them as individuals even though we may not agree with them or the choices they have made
  • do everything we can to optimise collections without resorting to underhand, oppressive or unfair collection methods
  • handle monies, correspondence, telephone calls and complaints promptly, efficiently and courteously

HAK

 

Hi HAK - i'm glad you've been able to sort that out without any hassle. Bet that's a relief :rolleyes:

 

If they continue to be so reasonable perhaps they should offer training to some of the others!

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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  • 7 months later...

I have just found the original T&C booklet I got with the above.

 

It mentions nothing in the booklet or on the agreement about sharing my data with CRA.

 

Are they aloud to do this if it is not in writing>

 

HAK

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IMO, no, they can't process your data if it isn't specific in the T & Cs.

 

BB that what I think...

 

Letter will be going off next week..

 

Cheers

 

HAK

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My Credit Card debt has now been passed to Moorcroft.

Just got the usual Pre Lig Litegation...

 

Thing is CC agreeement is spot on...

 

Will send them section78(1) request to slow things down but any idea how Morcroft work.Not dealt with them before?

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  • 2 months later...

It only took 3 letters and Morecroft have passed it back to Cahoots. :D

 

At least I got the FOS complaint in before they sent it back.. Should cost them a nice £450...

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