CAREY V HSBC

by handle Wed Sep 26, 2018 7:55 pm

DAVE
FOUND HERE
http://www.bailii.org/cgi-bin/markup.cgi?doc=/ew/cases/EWHC/QB/2009/3417.html

http://www.bailii.org/ew/cases/EWHC/QB/2009/3417.pdf

SEE ATTACHED

Attachments

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by handle Wed Sep 26, 2018 8:00 pm

The problem I have with Carey is that the claimant gives me any old reconstituted agreement but I have had many cards with the same lender over the years.

by handle Wed Sep 26, 2018 8:20 pm

TIGGY...Beat that
Very Happy

by **daveiron** Wed Sep 26, 2018 9:06 pm

Thanks for that handle, I Appreciate it.

by Kestrel Thu Sep 27, 2018 9:21 pm

I wonder if this any bearing to this, that of unregulated creditor etc taking court action & that of been the claimant:
https://www.handbook.fca.org.uk/handbook/CONC/7/11.html?date=2018-01-03
CONC 7.11.5
http://www.legislation.gov.uk/ukpga/2007/29/section/17/2014-04-01

by Kestrel Mon Oct 01, 2018 7:15 pm

It is a criminal offence to operate without a licence, i.e. unregulated, from what I take from the links below, I would take it that any unregulated creditor that operates without a licence has no legal standing in court as they are committing a criminal offence. In so far they cannot be the 'claimant'.

https://www.stepchange.org/debt-info/your-rights/consumer-credit-act.aspx
https://www.nibusinessinfo.co.uk/content/how-apply-consumer-credit-licence

Also appears that Administration of Justice Act 1970 applies

The Administration of Justice Act 1970
Section 40[2] includes a number of provisions forbidding creditors such as debt collection agencies from harassing debtors, including:
Excessive demands for payment
Falsely claiming that criminal proceedings will follow after failing to pay a debt
Falsely pretending to be officially authorised to collect payment
Producing false documents claiming to have some official status that they do not have

https://www.legislation.gov.uk/ukpga/1970/31/section/40

by Kestrel Tue Oct 16, 2018 8:17 pm

Another link here appears to confirm that unauthorised creditors cannot chase debt:
Re: Court Claim - Cabot Financial (UK) LTD / Capital One - 15-12-2017

Originally posted by Diana M View Post

Cabot Financial (UK) Ltd are unlicensed.

Di
Which means its an offence to under take debt collecting activity contrary to the Financial Services and MArkets Act 2000 and technically they arent unlicensed they are unauthorised.

https://legalbeagles.info/forums/forum/legal-forums/court-claims-and-issues/received-a-court-claim/102081-court-claim-cabot-financial-uk-ltd-capital-one-15-12-2017

Quote:
It is a point that can be used as part of a defence, and one that while quite complex in terms of the relevant provisions on the law can be quite easily summarised, indeed i have drafted the relevant pleadings and posted them on the forum so ill take a look around and see if i can find

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Debt purchaser using DCA to initiate court proceedings but purchaser without permissions is on court papers

CAREY V HSBC

Re: Debt purchaser using DCA to initiate court proceedings but purchaser without permissions is on court papers

Re: Debt purchaser using DCA to initiate court proceedings but purchaser without permissions is on court papers

Re: Debt purchaser using DCA to initiate court proceedings but purchaser without permissions is on court papers

Re: Debt purchaser using DCA to initiate court proceedings but purchaser without permissions is on court papers

Re: Debt purchaser using DCA to initiate court proceedings but purchaser without permissions is on court papers

Re: Debt purchaser using DCA to initiate court proceedings but purchaser without permissions is on court papers

Re: Debt purchaser using DCA to initiate court proceedings but purchaser without permissions is on court papers