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    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
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      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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Another Cabot Court Case


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Hi Tomterm,

 

This might sound a stupid question - but when do you do a skeleton argument? Do you just bring it along with you to the hearing or do you have to supply it in advance and how does it differ from a witness statement?

 

I've got a case with Morgan Stanley at the moment, we've just exchanged AQs and I've issued a Part 20 counterclaim against them.

 

Regards

 

nicklea

 

Hi, nicklea, a skeleton argument is a brief, clear and concise statement of the main legal and factual basis of the case. In other words, it's a summary that you will talk around in the hearing.

 

A witness statement is a binding legal document in which you state exactly what happened to the best of your knowledge.

 

while I don't want to hijack elizabeth1's thread, the essential answer is that a skeleton argument has to be produced if the court orders it (this can take several forms, ranging from an order that a skeleton argument is produced, to something along the lines of "the parties will submit in writing a brief description of the nature of the case" or any of a dozen similar wordings. ). Where the court orders this, it normally orders that the argument will be submitted at least 7 days in advance of the hearing.

 

In most county court cases, a skeleton argument won't be legally necessary. Since you are a litigant in person, not a trained lawyer, you can normally get away with giving it to the judge in person at the allocation hearing. if you were a trained lawyer, you would normally be expected to submit it 7 days before the hearing.

 

This was what elizabeth1 did, since I was only aware of the case a couple of days before the hearing, and wrote the Skeleton Argument the day before.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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*Subscribing* Keep It Simpe Stupid (KISS Principle) - Works for me

I'm not an expert so check everything I tell you, however click me scales if I've been useful.

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A big well done to Elizabeth1 and hubby for facing such a daunting task, and another big well done for Tom for making hings simple for us.

 

If you don't mind Elizabeth i would be interested to know what was the basis for your case, i.e. what was the main points of your PoC?

 

Best Wishes

MoonHawk

I think it would be a good idea.

Mahatma Gandhi when asked what he thought of Western civilization

 

Advice & opinions of MoonHawk are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

Lloyds TSB - Unlawful charges - Settled £8,807.68

Motor Help UK - Misrepesentation Act - Settled £111.25 (Thread Here)

Next Directory court action without a CCA for £605 - Settled & account closed (Thread Here)

CABOT - Can not produce CCA and refusing to accept it - In progress

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Barclaycard - Can not produce CCA for an account of £2,000. After a long fight used CPR - Settled

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congrats

 

i think ill have to take littelwoods to court soon, and this will come in very handy

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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A big well done to Elizabeth1 and hubby for facing such a daunting task, and another big well done for Tom for making hings simple for us.

 

If you don't mind Elizabeth i would be interested to know what was the basis for your case, i.e. what was the main points of your PoC?

 

Best Wishes

MoonHawk

 

 

The basis of claim PoC was for paper work CCA. DoA, Sale Agreement - we didn't ask for money left that for discretion of court (that way nobody could argue over money)

 

You see originally Cabots had made a claim against Hubby over the same claim last year and when they were challenged over paperwork they allowed case to be struck out. So when we questioned them afterwards about what was going on they told us we won't chase you for account/debt amounts but we will still add interest to these accounts and will still write crap to CRA's "it's our duty to do so".

 

We were trying to establish what laws they were using to do this with etc..and what paperwork exists to allow them to do this.

 

So the answers we got wasn't really good - left us with no alternative but to try find the answers we wanted through court.

 

Whichever way this goes it allows us to see what is happeneing and where we can go from there to resolve matters.

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Most excellent work elizabeth1, and my heartfelt congratulations. We need to stand up to these thugs and your efforts place you at the vanguard of the battle. Your hubby must be very proud.

 

I await further developments, with relish.

 

 

Regards

 

Lantana

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Hi, Elizabeth1

 

This has to be one of the best threads on this superb site. I think the ideas behind your / Tomterm8's Skeleton Argument, along with the persistence you have shown, is inspiring and incredibly useful to anyone approaching a court date.

 

Well done!!!

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I need to submit a defence against our friends this week, who are claiming I defaulted on a debt they bought from BoS. They haven't produced a CCA since I requested it from them in March, so as far as I am concerned, they can't enforce it.

Should a skeleton defence take a similar form to Lizzy's claim? If so, I need to get cracking, because that's a lot more 'legalese' than my defence summary which I'd intended to submit, having already acknowledged service of their claim.

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I need to submit a defence against our friends this week, who are claiming I defaulted on a debt they bought from BoS. They haven't produced a CCA since I requested it from them in March, so as far as I am concerned, they can't enforce it.

Should a skeleton defence take a similar form to Lizzy's claim? If so, I need to get cracking, because that's a lot more 'legalese' than my defence summary which I'd intended to submit, having already acknowledged service of their claim.

Why are they taking you to Court without a CCA

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Why are they taking you to Court without a CCA

 

 

ODC - this is what Cabots & Hodsons Solicitors do - they take people to court with no supporting evidence to show they actually own these "alleged accounts/debts" I will explain -

 

Cabots write and issue the Hodsons Solicitors "templates" as LBA's and then instruct Hodsons to file court claims on their behalf. Hodsons are quite happily sat there signing the "witness statements" on the court claims telling court that what they are claiming on behalf of their "clients" is TRUE !!!

 

HOWEVER - on sometimes we reply and ask Cabots or Hodsons for a CCA relevant to the claims they are making and like "magic" the cases get struck out of court. Now I do wonder how this group of solicitors are actually getting away with filing the hundreds of "alleged claims" on behalf of their clients. Hodsons never seem to follow any "Pre Court Protocols" prior to filing any claims in court - they simply write the claims and sign them - then back off if we challenge them for papers/proof of debts.

 

NOW even more interesting is the fact that the person who is issuing the Hodsons "templates" is our good friend Mr Glen Crawford who is none other than In House solicitor and a Director of Cabots group of companies. So now lets raise the question - whatever is Mr Glen Crawford doing in issuing any such "templates" or instructing his solicitors at Rugby = Hodsons to issue proceedings against persons where they have absolutely no proof whatsoever that they own such debts?????????? (we all get the reply to CCA requests that Cabots need to go to the original lenders)

 

Seems we do need to question this procedure and their reasoning behind such behaviours at Cabots and Hodsons?

 

My new project - I want to be a millionnaire before christmas comes!!! :D

 

Now I wonder if I phoned Hodsons up tomorrow and asked them to file a few claims against "joe bloggs of XYZ STREET, ANY TOWN - SOMEPLACE" whether they'd actually file it - could make a whole new living out of filing claims against anyone couldn't we? (because it is basically what Hodsons do isn't it?)

Hey!! I could start with my local telephone directory and electoral register make a whole list of names and addresses - cause if Hodsons aren't diligent enough to ask for proof of such debts - chances are the people receiving the claims are going to be too scared to question such a claim cause they don't want a CCJ (most people owe someone money somewhere?) people will pay up no questions asked ? Hey I can be as rich as Mr Maynard with a plan like that :D Does anyone reckon D & P would want "in" on my project? ;) I could split it with them 70/30 all they got to do is keep signing :D (ok I am not funny - only joking I wouldn't go for such a [problem])

 

I reckon this Hodsons racket needs bringing to an end - it's extortion of money off people in my own personal opinion.

 

Hodsons are chancers - just like Cabots only Hodsons hide under a solicitors badge!!! They know perfectly well that many of the claims they are filing have no CCA's - yet they still file the statement of truth having seen NO proof of such alleged debts. But maybe this is why they more recently file MCOL claims to take the focus off the signatures?

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the easy way i spose then would be to take hodsons to court for false ummm wassa word i'm lookin for?

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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nope that not the word keep tryin

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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Why are they taking you to Court without a CCA

 

I an only echo Lizzy's comments. I was slightly gobsmacked when the claim form dropped through the door, particularly as I was already reading the Hodson's letter, which had also just arrived, telling me I had 7 days to respond oor else they may issue County Court proceedings! Talk about premature! The 7 days somehow metamorphosed into 7 seconds!

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misenterpritation? ummm no but gettin closer. ok solictors taking you to court without having the required legal documentation lol fraud perhaps

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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misenterpritation? ummm no but gettin closer. ok solictors taking you to court without having the required legal documentation lol fraud perhaps

 

 

Misrepresentation??

 

is that the one?

 

Don't worry - me is beavering as we speak - I personally think Hodsons are as guilty as Cabots - cause they sign & issue all these claims having nothing to prove the claims. The least they should have is evidence that the cases claims truly exist.

 

People need to complain to ILEX, Law Society, Legal Ombudsman, Supervisor of Solicitors - there are lots of routes to complain about such slap happy solicitors. Hodsons can have their licences taken away too!! Just because they are trading as solicitors - doesn't mean what they are doing is right. There are laws to protect us from these people and their shoddy claims.

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that could well be "The Word" keep beavering :)

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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Fascinating! Well done you! I wonder what shade of grey Hodson's and Cabot's chief exec's faces would go if we ALL issued proceedings against them on the same day. I love the idea of putting Hodsons out of business but they seem to think they can (and are) getting away with whatever they like.

 

I keep pestering people here with questions but am wondering if the correct ettiquette is to start my own thread? I won't ask for names but what kind of people make up the Cabot Fan Club? Is it really worth running cases by you guys?

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Fascinating! Well done you! I wonder what shade of grey Hodson's and Cabot's chief exec's faces would go if we ALL issued proceedings against them on the same day. I love the idea of putting Hodsons out of business but they seem to think they can (and are) getting away with whatever they like.

 

I keep pestering people here with questions but am wondering if the correct ettiquette is to start my own thread? I won't ask for names but what kind of people make up the Cabot Fan Club? Is it really worth running cases by you guys?

 

If you have a specific issue with Cabot then it's a good idea to begin your own thread so that all your info is kept under one roof and progress can be followed. Keep it in the Cabot section so we can all track it. You are never pestering anyone all the time it's for the same cause and you need help, ask away. We can only share what we know.

 

10th September is a good day to begin proceedings - it's Ken Maynards Birthday :D

 

Who's in The Cabot Fan Club ? - you don't want to know :p :p

 

Ken Does - but the rest of you ? nah :D :D

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Cabot forum is the best place for you to post thinksmart

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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lol we shoulda all issued court action against them couple days ago, so he would of "Received" lots of friendy letters actualyl on the 10th. with lots of love from CAG, we get to ruin one special day for him then just like he's ruined us

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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lol we shoulda all issued court action against them couple days ago, so he would of "Received" lots of friendy letters actualyl on the 10th. with lots of love from CAG, we get to ruin one special day for him then just like he's ruined us

 

 

He probably don't even read his post (probably illiterate and why he don't understand the consumer laws surrounding the job he is doing).

 

Maybe we send the man some A,B,C books and help him out a little - maybe once he learns to read properly he might understand why we so annoyed at what he is doing to people?

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  • 1 month later...

I haven't heard a word off Cabots - me reckons they are hoping I will go away!!!

 

They've had their 8 weeks now so we just have to apply to court before 4th November to ask for another hearing date now - and will deal with Cabot on that date as we get it to hearing again.

 

I shall be writing to Judge this week and will write the next hearing date here as soon as we get it. Cabot's just don't seem to want to show these CCA's do they?

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