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    • Update. The ASB team have categorically said they want to send a letter to the idiot saying... you are upsetting your neighbor, please come in to talk about this, we need to tell you we have no power to do anything about this though... WTAF?   They also said my only option to stop idiot parking and obstructing our kerb is to park our other car outside idiots property 🤔 because the car is now not obstructing enough to get a ticket and not breaking any law! Even though it's obviously being done to cause annoyance.   Just seems beyond belief!
    • Ok, quick update on this.  Mediation didn't happen - mainly because I missed the deadline for agreeing to the date - I didn't realise the deadline was quite so tight - and I had been away for the weekend and not reading my emails - anyway - although it was bad to not formally respond, it didn't really make too much difference because due to the lack of viable evidence provided by the claimant, mediation would have been pointless.   So I've been waiting to head what court date has been allocated to my case. However, instead I received a "General Directions or Order" letter.    Sorry - I meant to bring it in (to where I'm writing this).....but basically the gist of it was that the claimant had 14 days to respond providing evidence e.g. signed credit agreement etc. - and then I had 14 days after that to respond stating whether I accepted that evidence and whether I wanted to withdraw defence.    The letter was sent around the beginning of the month - therefore their 14 days are more or less up - I haven't heard anything - albeit, I need to factor in postage times - but surely this means my 14 days are not really 14 days....but more a case of the time left before the end of October and when or if I get anything from the court of the claimant with their evidence.   My question really is:    Is it a stupid question - but I cannot really do anything until I receive anything - at the moment, the court won't know what they've sent me (in response to my CCA request) - i.e. the poorly presented application form - meaningless statements - no clear signed credit agreement etc. - so this step is basically the court asking whether there is enough evidence in order to allocate a court date?   I'm assuming I should get a copy of whatever the claimant provides to the court?   Many thanks  
    • hello again, do you think this witness statement better suits my needs witness 2.pdf
    • Hi all   Does this link indicate whether or not Woodside Park station is under the TFL Byelaws or not, as I'm a bit confused?!   https://tfl.gov.uk/corporate/transparency/freedom-of-information/foi-request-detail?referenceId=FOI-2209-1819   Rgds. Andy
    • I am hoping someone can offer me some advice concerning an issue with my former landlord, please. In short, I took possession of a property he was letting out just over ten years ago. Having viewed and been offered the letting, I accepted and paid the deposit plus the first month’s rent and moved in. Meanwhile, the landlord had gone on holiday and it was not until a week or so after I had moved in that I saw him again when he came around to see if we had settled in OK. I told him all was fine and took the opportunity to ask him where the parking space was located as there is only “pay per hour” on street parking outside and a commercial car park approaching half a mile away. He said there was no parking included with the accommodation. Yet the lease which we had each signed clearly stated that the property included the use of a parking space. He told me that this was an error on his part and that there was no parking space included with the property. Having already vacated my previous letting and paid the deposit and the rental advance and moved all my effects into the new letting – in addition to not wanting a major fallout with my new landlord (I also had a wife and three children to consider), I erred on the side of caution and did not press the matter.   However, the kids have all grown and flown and we have been obliged to downsize to a one bedroom apartment (with parking, happily). This was nearly three months ago and I have only yesteray received contact from my former landlord’s lawyer stating I still owe him (the landlord) money. I am waiting to learn the grounds for his claim and have requested a full breakdown of that alleged indebtedness from his lawyer but, having been very good tenants who always paid the rent on time and not only took great care of the old property but also did a lot of unpaid work improving it over the course of our ten year residence, I am quite annoyed to be treated so meanly. Regardless of whether or not it transpires that I do, unwittingly, owe this man money I am wondering whether or not I might have a counter claim against him for the false representation of his lease and perhaps even be compensated for the ten years I spent paying for on street parking as well as putting up with the daily (often hourly) inconvenience of that.   If someone could advise me, I would be very grateful.   Thank you.  
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Bigbearuk

Ruthbridge LTD

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I think Mr Maxwell has been on holiday because today he called not heard anything from him for over a week and left a nice message on my mobile which will be added to the recordings i have of him so it looks like he got my S.A.R on his return :)

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hi bigbear i haven't heard a thing since he sent me a letter to say i have to pay in full by today!!!!!!!!!!!!!!!!!!!!!!!!!!.. MY 12+2 days are up on the 15th Aug i tracked the cca i sent them and it was signed for on the 30th july:)

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Hi manf,

 

i am 2 weeks ahead of you my 12 + 30 days are up on the 28th august :)

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oh another letter from express delivery today asking me to call them and another breach of the OFT guidelines by ruthbridge

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Hi guys i need some advice,

 

I got a letter today from ruthbridge it's headed COURT WARNING NOTICE, stating they are going to serve court papers on me in 7 days unless i phone there enforcement office to discuss ways i can pay, I sent them a CCA request and it's 12 + 18 days now plus a S.A.R 1 week ago and nothing just took the money off the total debt

 

Need help with what i should do next

 

BB

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a) Wait for the court papers to arrive, and defend. Making sure you turn up with all their threatening letters as well as a solid defence of no CCA=no enforcable debt amongst other goodies.

b) Phone the number and tell them, Silly Me, I'll pay after all.

c) Visit Mr Maxwell with a big stick.

 

Clue: One of the answers would put you in jail, one of the answers would put you in the loony bin, and one of the answers is correct.

 

Answers on the back of a blank cheque to. . . :D

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a) Wait for the court papers to arrive, and defend. Making sure you turn up with all their threatening letters as well as a solid defence of no CCA=no enforcable debt amongst other goodies.

b) Phone the number and tell them, Silly Me, I'll pay after all.

c) Visit Mr Maxwell with a big stick.

 

Clue: One of the answers would put you in jail, one of the answers would put you in the loony bin, and one of the answers is correct.

 

Answers on the back of a blank cheque to. . . :D

 

 

Hi,

 

 

I'm going to send my cousin round to carry out option c!:)

 

 

When he gets out of jail!!!:D

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i got another nice letter today from Cabot returning my £1.00 for the second time, stating they don't accept the £1.00 fee for a CCA request and please be patience with them while they try and find it :)

 

maybe they are still unpacking from there move to those lovely new offices :rolleyes:

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well, ruthbridge are passed there 12 + 30 days and still no CCA not that i was expecting one anyway, it looks like cabot europe have taken over because all my letters are now coming from Emma at cabot

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Emma can't be very important as far as Cabot are concerned. They haven't bothered to give her n email address.

 

Unless, of course, there IS no Emma. Does that look like a real signature on her letters? Not to me, it doesn't.

 

Emma, if you are real, please let us know. Knock once for yes, twice for no. :D

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LOL

 

You are right seahorse, i did think some school kid had written it with pencil at first sight

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I sent Cabot a letter on the 13th July received on the 16th Signed for at 07.30, so far no reply, i sent them the same letter again on the 17th August the same thing received on the 20th August signed for at 07.30, this time a reply from cabot asking me to give them time to deal with my request,(it was a complaint not a request)

 

I have not heard anything since the last letter and in both letters i gave them 10 working days to reply regarding my complaint, the letter i sent them is the one done by seahorse at the beginning of my tread :)

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Got a nice letter today from Cabot asking for more time to look into my complaint regarding ruthbridge and cabot (Europe) and a nice little leaflet about the FOS

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Got a nice letter today from Cabot asking for more time to look into my complaint regarding ruthbridge and cabot (Europe) and a nice little leaflet about the FOS

 

 

 

 

It's amazing how these companies ask for more time to deal with complaints etc, yet at the same time they ask for full payments immediately of debts they cannot prove!

 

Total w*****s!

 

 

Jeff.

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If Cabot have successfully obtained a CCJ, does that then negate the requirement for them to provide a CCA?

 

I'm wondering if the debt is still unenforcable...

 

I've never had any reply to my CCA request (requested after CCJ was obtained).

 

Just plotting my next move...

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I think the point I was trying to make (not very well!) is...

 

If after a CCJ I request a CCA, and they fail to provide, is the debt unenforceable? Or does the fact they have a CCJ negate that?

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ok got 4 letters today from cabot just need to read them and post them on here because the ones i have read i cannot make any sense of them, cabot are saying the purchased my account on the 21st June 2001 from MBNA,

they also sent me a copy of a letter from MBNA with my my old address on forming me they had passed my account to cabot but the letter was dated 03rd September 2007

 

i will try and sort this mess out tonight and post more info later

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Oh, yes. I see. Cabot will have produced the letter from MBNA themselves, I'm guessing. But since they don't keep copies of letters they SAY they send, they'll have run another template off. Hence this month's date on it.

 

Who the feck do they think they are trying to fool? Halfwits, the lot of them. :D

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That would really stand up in court - even if they changed the date at their end you have the one they sent you as evidence. Haha - it's a good job we don't have to work hard to beat these dimwits.;)


BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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I spoke to MBNA today regarding the letter they sent to my old address and dated 03rd September 2007,

 

It turns out they did not send me the letter in-fact they have not sent me a letter since 2004, MBNA were very interested in who sent me the letter and they asked me to fax them the letter i explained it was a copy of a letter sent to me by cabot,

 

The letter

 

03rd September 2007

 

Re:

 

Dear Mr Bigbearuk

 

Please accept this letter as confirmation that your outstanding balance due under the about account has been assigned to KINGS HILL NO 1 LIMITED part of the cabot financial group.

 

The Address is

 

Cabot Financial (Europe) Limited

PO BOX 241

West Malling

Kent

ME19 4LT

 

All enquiries regarding this account, including accurate balance information, together with future payments, should be made directly to this company

 

Your Sincerely

 

 

Stuart Ashcroft

recovery Manager

 

 

Note the spelling mistake :) and the letter was not signed

 

Mr Ashcroft was very surprised he sent me a letter as MBNA passed my account onto Cabot in 2001. The girl in customer services was very helpful i told her i had sent cabot a CCA and S.A.R request and she laughed when i said i have received the letter and a bit of paper cabot are trying to tell me is my Credit agreement when the nice lady said it would only be a application form.

I am not sure about that so will need to scan the bit of paper and post on here it does state on the paper "This is a credit agreement regulated by the consumer credit act 1974, sign it only if you want to be legally bound by its terms" on the top somebody has stuck a big white sticker on half of it you can only see the word form

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How do you resize on here?

 

i posted the form but it was only a thumbnail image

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