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Cabot and Ruthridge help for a newbie to this site

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Yes. Yes, attach copies of your correspondence to your defence. The judge is more likely to give them an extra couple of weeks to comply. Then if they don't comply the case will be thrown out.

 

Shall I mention that I am using a different address for service purely because Cabot and Ruthbridge were phoning my elderly mother and stating bailiffs would attend and cease her property and she became stressed and that if its to go to court could the bring it into Gloucester County Court rather than Reading County Court??

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Right then Guys

 

Just got home from work all prepared to build the defence to send to court and there was a letter from the Solicitors acting for Cabot

 

The covering letter states

 

We enclose herewith by way of service upon you, Notice of acting together with Notice of Discontinuance

 

Then attached is the Notice of Acting dated 3 March 2008 which states

 

TAKE NOTICE that we Messrs Hodsons of glebe house, 2 Clifton Road, Rugby CV21 3PX have been appointed to act as Solicitors on behalf of the Claimant herein as the Claimants wish to continue with this action

 

Then attached is a Notice of Discontinuance to the Court also dated 3 March 2008 which states

 

The Claimant Discontinues all of this claim

 

against the defendant

 

It hasnt been signed by the judge to grant permission for the claimant to discontinue all of this claim etc

 

it also states

I certify that I have served a copy of this notice on every other party to the proceedings..

 

SO

 

Does this mean they are withdrawing any action? and if so can they try again at a later date?

 

Shall I still send in all my defence paperwork?

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Phone the court in the morning to check - they may be using this to change solicitors at the last minute... this lot play dirty so to send BOTH notices with the same date could be deemed 'abuse of process'.

 

See what the court have to say and have your defence paperwork ready incase they ask you to fax it.

 

You need to keep the Notice of Discontinuance as if anybody else comes chasing after this debt you just send them that and that should be it - copying the court in on the correspondence at the same time just to be on the safe side.

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agree with silly girl. contact court and KEEP documents


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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Well Ive just rang the Court and they have received the Notice of Discontinuance from Cabot and have informed me that that is it matter closed..

 

So I supposed its safe to say its all over???

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Reading your post with interest and have now pricked my ears when Hodson solicitors mentioned---- I have experience of these solicitors and I think you will find that they have just taken over the case ( nasty lot are Cabot).

 

They managed to get(through my own naivity) a charging order on my house which I would like to fight retrospectivley waiting for replies on another thread on this site

 

Would like to wish good luck and keep going


Please note: I am not a lawyer and as such any advice I give is purely from a laymans point of view;-)

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Well Ive just rang the Court and they have received the Notice of Discontinuance from Cabot and have informed me that that is it matter closed..

 

So I supposed its safe to say its all over???

 

 

it certainly looks like it :D

 

keep all info on record tho, JUST in case they sell it on for another DCA to try it on you


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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Reading your post with interest and have now pricked my ears when Hodson solicitors mentioned---- I have experience of these solicitors and I think you will find that they have just taken over the case ( nasty lot are Cabot).

 

They managed to get(through my own naivity) a charging order on my house which I would like to fight retrospectivley waiting for replies on another thread on this site

 

Would like to wish good luck and keep going

 

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/133750-cabot-charging-order.html

 

I've no experience with Charging Orders - so I am bumping this with a link to your thread hoping somebody might know more to help you with this.

 

Keep reading and use the search facilty with "charging order" or "Cabot" etc.. you'll see loads of useful threads come up - you can then use the "thread tool" to subscribe to any threads you want to keep an eye on etc..

 

The more you learn about Cabots - the better equiped you'll be for dealing with them. :grin:


My CCA skeleton argument to use in court -

http://www.consumeractiongroup.co.uk/forum/cabot/115280-useful-information.html

 

Useful Letters (CCA request is letter N)

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

CAG A-Z list of useful places in CAG -

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/69359-cant-find-what-youre.html

 

Introduction to Consumer Litigation -

http://www.consumeractiongroup.co.uk/forum/general-debt/108467-basic-introduction-consumer-credit.html

CABOT THREADS -

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131321-cabot-threads.html

 

ALWAYS SEEK A PROFESSIONAL OPINION FROM QUALIFIED ADVISORS - any advice offered is from my own experience and knowledge - I am NOT qualified.

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I would like to thank everyone on this site that has given me their time and knowledge to help me fight this for my brother..

 

Chuffed to bits that we took on the big boys and WON....YIPPIE

 

THANK YOU (and keep up the good work)

 

:)

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thats what we here for :D

 

your most welcome


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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re: BTB at #29, you could always write to Ms Joliffe at:

LAURA JOLIFFE

 

 

200 WHITECROSS ROAD

HEREFORD

HR4 0DJ


Please remember our troops, fighting and dying in our name. God protect them.

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Right then guys...2 years on

 

Just got home and there is a letter from Cabot chasing the debt again. The letter is a generic one and it has no mention of the notice of discontinuance from 2 years ago...

 

 

What do I do???

 

Do i just send them a copy of the notice?? or do I have to go through the whole process again???

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After reading loads of threads Im tempted just to ignore them until I get court papers.....good idea?? or shall I have a play with the crapbots for a while???

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After reading loads of threads Im tempted just to ignore them until I get court papers.....good idea?? or shall I have a play with the crapbots for a while???

 

While they may have discontinued legal action the debt still exists - so this is there way of saying we have not quite gone away yet!!

 

They should not re-issue court proceedings if they do your defence will be straightforward. Could they have found anything new in the case?

 

So the debt will stil exist until it becomes Statute Barred- and even then they may sell the account onto another DCA.

 

I would ignore for now and see if they make any stronger attempts to collect.

 

Beau


Please note: I am not a lawyer and as such any advice I give is purely from a laymans point of view;-)

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In recent month Cabot have renewed their "interest" in a lot of longdead accounts which they bought from their pals in banking industry. When more people were completely unaware of their rights to fight these cretins they were raking in the cash. Now the tide has turned and Cabot and their like are finding it exceedingly difficult to make a fast buck - hopefully even a buck at all.

 

Dealing with this I would write, by recordeddelivery, to their compliance manager and remind him of their previous letter and asking why they have send you a threatogram. Bearing in mind the nature of their previous letter you could insist on your details being removed from their systems.

 

Let us know what happens because there are a lot of cabot, and cabot related accounts, popping up these days.

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In recent month Cabot have renewed their "interest" in a lot of longdead accounts which they bought from their pals in banking industry. When more people were completely unaware of their rights to fight these cretins they were raking in the cash. Now the tide has turned and Cabot and their like are finding it exceedingly difficult to make a fast buck - hopefully even a buck at all.

 

Dealing with this I would write, by recordeddelivery, to their compliance manager and remind him of their previous letter and asking why they have send you a threatogram. Bearing in mind the nature of their previous letter you could insist on your details being removed from their systems.

 

Let us know what happens because there are a lot of cabot, and cabot related accounts, popping up these days.

 

2.5 years ago when this reared its ugly butt, the debt was already Statued Barred and neither Barclays (the original creditor), Ruthbridge or Cabot could not supply the original credit agreement or the Deeds of assignment. They did start the legal proceedings but when I wrote to their solicitors requesting info they came back with the Notice of Discontinuance, which was in Feb 2008.

 

I can only assume from what you have said they are now clutching at straws..I will dig all the old paper work out and send them a snotty letter along with re-igniting the complaint too the OFT etc..

 

I will keep you informed...Thank god I kept every piece of paperwork from 2 years ago..and there was me thinking it was dead and buried....oh Happy Days:D

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Although they did not go as far as a Summons, in the past, Cabot are rearing their heads on several past accounts which are, or are nearly SB for me. I am just ignoring - good luck


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Hiya BTB

 

Well done you on defeating these slime balls!

 

Been reading your thread with interest. I am going through exactly the same with cabot, an account that went sb in 2006 and they now say that as I sent £1 payment in 2007 (when in fact it was a cca request) this being an admission on my part that I owe them.

 

Just sent them a letter to take a hike and if they insist on court action I will defend and counterclaim, see what they say to that, though looking at yours looks like I can accept a letter from their solicitors - bring it on.

 

md:)

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