Search
 
 

Display results as :
 


Rechercher Advanced Search

Latest topics
» Harassment by Birmingham city council and west Midlands police
by daveiron Today at 7:38 pm

» Why humans cook food ?
by watevah Today at 6:26 pm

» Parking Notice Download
by Society of the Spectacle Today at 2:32 pm

» ...Is it a stormy in a G-String?
by ceylon Today at 2:29 pm

» Help for new members
by Society of the Spectacle Today at 2:11 pm

» CCJ - Lowells
by waylander62 Today at 12:45 pm

» Justinian Deception Channel ( Romley Stewart)
by Lopsum Today at 12:31 pm

» SCARY!!! A Woman Breaks into Voting Machine and Gets Full Admin Rights in 2 Minutes.
by urchinatheart Today at 10:50 am

» Latest Rich Planet vids Richard Hall
by daveiron Today at 8:24 am

» Location: Cardiff, Wales
by daveiron Today at 8:09 am

» The great police recovery con
by assassin Today at 2:39 am

» EUROPA - The Last Battle
by Tom Bombadil Yesterday at 10:15 pm

» World Government of World Citizens
by Society of the Spectacle Yesterday at 8:55 pm

» The System is the biggest bully in the world.
by Society of the Spectacle Yesterday at 8:54 pm

» How to check my credit file without alerting debt collectors?
by jims45 Yesterday at 5:26 pm

» ...The KaK & M@© Show. What is anti semitism?
by ceylon Yesterday at 3:59 pm

» Genuine site or not?
by Lopsum Yesterday at 3:57 pm

» Family Trust paperwork
by Solosmurf Yesterday at 3:01 pm

» ...Aretha's gone but do the parasites keep robbing us?
by ceylon Yesterday at 1:24 pm

» ...Is this the BIGGEST NEWS before the news EVER and more half way through?
by Ausk Yesterday at 9:05 am

» The Smith-Muntd Modernization Act 2012
by Awoken2 Thu Aug 16, 2018 10:20 pm

» Does anyone know how to get in touch with Tiggy?
by Lopsum Thu Aug 16, 2018 2:35 pm

» Cabot Financial
by Jayen4 Thu Aug 16, 2018 12:49 pm

» Common Law Copyright and Trademark Notice
by handle Thu Aug 16, 2018 12:38 pm

» DCA - can they start legal proceedings?
by Mrblue2017 Thu Aug 16, 2018 8:08 am

» Be Prepared
by assassin Thu Aug 16, 2018 2:43 am

» Is the English pound backed by Gold?
by assassin Thu Aug 16, 2018 2:05 am

» Cabot Credit Management Group help needed please
by waylander62 Wed Aug 15, 2018 10:52 pm

» Reality chat with peter howard and company
by Society of the Spectacle Wed Aug 15, 2018 7:45 pm

» Lowell Solicitors letter of claim
by nautilous Wed Aug 15, 2018 7:16 pm

» ...The KaK & M@© Show. Have men really been to the moon?
by ceylon Wed Aug 15, 2018 4:34 pm

» UK Column
by ceylon Wed Aug 15, 2018 2:59 pm

» Raconteurs with extra special guest !!
by Society of the Spectacle Wed Aug 15, 2018 1:32 pm

» ...Is this another FAKEFALSE FLAGHOAX? Can you see the subliminal programming?
by ceylon Wed Aug 15, 2018 12:50 pm

» Cure Diabetes in a fortnight
by handle Wed Aug 15, 2018 10:57 am

» Host Portfolio Holding, Robinson Way ( Barclay )
by Lukas Tue Aug 14, 2018 8:28 pm

» ...The KaK & M@© Show Westminster attack what victims?
by ceylon Tue Aug 14, 2018 6:56 pm

» Lowell Letter of Claim
by trimstar Tue Aug 14, 2018 6:51 pm

» Ive been listening to the rong radio station - Benjamin Zephaniah
by Lopsum Tue Aug 14, 2018 3:26 pm

» ...Is the financial crash here?
by ceylon Tue Aug 14, 2018 10:22 am

» Any experts on UK Student Loan Company debts?
by Ausk Tue Aug 14, 2018 8:42 am

» Cabot- is there a realistic chance to fight them?
by annap Mon Aug 13, 2018 10:15 pm

» ...The KaK & M@© Show. Can we see past the lies yet?
by ceylon Mon Aug 13, 2018 9:46 pm

» sol excalibre with cookiemonster
by Society of the Spectacle Mon Aug 13, 2018 7:47 pm

» 24 Storey Tower on Fire in Kensington - dies
by Awoken2 Mon Aug 13, 2018 6:11 pm

» Campaign to Shut Down Biased BBC Propaganda Machine Goes VIRAL READ MORE:
by Society of the Spectacle Mon Aug 13, 2018 1:55 pm

» ...Has the financial crash just started?
by ceylon Mon Aug 13, 2018 11:21 am

Moon phases


Cabot - Catalogue

Go down

Cabot - Catalogue

Post by dkent1977 on Wed Nov 22, 2017 3:53 pm

My partner had a catalogue account which she defaulted on in 2008. It was apparently passed to DCA in 2010 and they're saying that she was paying them until feb 2012. She doesn't recall this, although, to be fair, she did have a lot going on at the time! I have sent letters to them asking for proof etc but they've only supplied a printout supposedly showing BACS payments tp them. They say in their letter that as its a catalogue account there is no credit agreement available. They're also not marking her credit file as it defaulted in 2008. I've been filing their template letters ever since but am just starting to wonder if I should start replying as, if she had been paying them (and I think the proof is really, really weak), its not statute barred yet.....
avatar
dkent1977
Not so newb
Not so newb

Posts : 23
Join date : 2017-08-30
Location : Cornwall

Back to top Go down

Re: Cabot - Catalogue

Post by Tiggy on Wed Nov 22, 2017 5:46 pm

Catalogue accounts are covered by Section 78 of the Consumer Credit Act, running credit account.

Send them a request for a copy of the agreement under Section 78.1 paying the £1 fee. If they can't provide a copy them under section 78.6 the debt is unenforceable.

Tiggy
Moderator
Moderator

Posts : 640
Join date : 2017-08-11

Back to top Go down

Re: Cabot - Catalogue

Post by assassin on Wed Nov 22, 2017 6:33 pm

Agree with that.
avatar
assassin
Admin
Admin

Posts : 1476
Join date : 2017-01-28
Location : Wherever I Lay My Head

Back to top Go down

Re: Cabot - Catalogue

Post by dkent1977 on Wed Nov 22, 2017 7:11 pm

Cheers. Will draft one up and send in the morning Smile
avatar
dkent1977
Not so newb
Not so newb

Posts : 23
Join date : 2017-08-30
Location : Cornwall

Back to top Go down

Re: Cabot - Catalogue

Post by dkent1977 on Mon Dec 11, 2017 11:48 am

This is their reply.
Just a waiting game now I suppose?
avatar
dkent1977
Not so newb
Not so newb

Posts : 23
Join date : 2017-08-30
Location : Cornwall

Back to top Go down

Re: Cabot - Catalogue

Post by Tiggy on Mon Dec 11, 2017 1:29 pm

Yup.

Tiggy
Moderator
Moderator

Posts : 640
Join date : 2017-08-11

Back to top Go down

Re: Cabot - Catalogue

Post by assassin on Mon Dec 11, 2017 5:47 pm

Stick them to the 12 day limit and not their suggested 40 day limit, if you do not rebut their 40 day claims you could be deemed to have consented to it "by actions" and it is always better to cut off this little game they are playing.
avatar
assassin
Admin
Admin

Posts : 1476
Join date : 2017-01-28
Location : Wherever I Lay My Head

Back to top Go down

Re: Cabot - Catalogue

Post by dkent1977 on Mon Dec 11, 2017 7:02 pm

@assassin wrote:Stick them to the 12 day limit and not their suggested 40 day limit, if you do not rebut their 40 day claims you could be deemed to have consented to it "by actions" and it is always better to cut off this little game they are playing.

Hmmm....Good shout. Will draw a letter up tonight Smile
avatar
dkent1977
Not so newb
Not so newb

Posts : 23
Join date : 2017-08-30
Location : Cornwall

Back to top Go down

Re: Cabot - Catalogue

Post by Tiggy on Mon Dec 11, 2017 7:42 pm

It actually makes no difference whether they put 40 days or not, after 12 days the debt under Section 78.6 of the consumer credit act is 'unenforceable whilst the default remains'.

In other words it's unenforceable after 12 days unless they find the agreement.

Tiggy
Moderator
Moderator

Posts : 640
Join date : 2017-08-11

Back to top Go down

Re: Cabot - Catalogue

Post by dkent1977 on Thu Mar 22, 2018 3:17 pm

Have received a response after 3 months! They've sent the following along with several short letters ("Please find enclosed all of the relevant information following your request", "This statement is prepared in compliance with section 78...")



Does this count as the agreement AND the terms & conditions?

There's no signatures on mine or their copy (left hand/right hand sides) either??

The last letter is the statement of account showing payments. Intersting too as it shows they paid money back then charged interest?
avatar
dkent1977
Not so newb
Not so newb

Posts : 23
Join date : 2017-08-30
Location : Cornwall

Back to top Go down

Re: Cabot - Catalogue

Post by assassin on Thu Mar 22, 2018 6:48 pm

@Tiggy wrote:It actually makes no difference whether they put 40 days or not, after 12 days the debt under Section 78.6 of the consumer credit act is 'unenforceable whilst the default remains'.  

In other words it's unenforceable after 12 days unless they find the agreement.

True Tiggy, but it can also be deemed as consenting if you do not rebut, if it goes to any of their fake courts they will say a contract was formed and the defendant allowed them 40 days, simple to cut them off at the pass for the sake of 1 letter.
avatar
assassin
Admin
Admin

Posts : 1476
Join date : 2017-01-28
Location : Wherever I Lay My Head

Back to top Go down

Re: Cabot - Catalogue

Post by dkent1977 on Mon Mar 26, 2018 9:07 am

So, should I just ignore them?? It's only for several £100.....
avatar
dkent1977
Not so newb
Not so newb

Posts : 23
Join date : 2017-08-30
Location : Cornwall

Back to top Go down

Re: Cabot - Catalogue

Post by Big Redman on Wed May 09, 2018 7:10 pm

Hi,
If they produce the agreement after 40 days, can they still use it or can it be used as part of your defence in court.
Rolling Eyes

Big Redman
Not so newb
Not so newb

Posts : 3
Join date : 2018-01-26

Back to top Go down

Re: Cabot - Catalogue

Post by Sponsored content


Sponsored content


Back to top Go down

Back to top


 
Permissions in this forum:
You cannot reply to topics in this forum