PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

[marypoppins]

Re: PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

Great thanks P1, I know the names but can't remember if I've had to deal with them over the last few years.

I guess I haven't because I think we all remember the 'bad guys'!

[PriorityOne]

Re: PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

Cabot DCA and Mortimer Clarke solicitors :-)

In fairness to Cabot, I have always found them to be very reasonable..... but that's just my experience. Years ago, when I asked them to take me off their phone database, one of their guys apologised and sorted it. Not sure how others have found them to be though.

[marypoppins]

Re: PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

Not sure where to put this but thought this thread was as good as any.

I've been helping a friend for a number of years and all's been quiet for ages. She has a number of small post-2007 debts and one huge one, is in a rented property, so no real worries there but as she's very anxious not to get a CCJ in case she needs to move at some point, I've adapted some of my strategies to suit her needs to stop her worrying.

Anyway..... she received a letter before action from a firm of solicitors last month threatening court papers if no payments were forthcoming..... blah, blah. This particular debt is a smallish post-2007 credit card debt with enforceable paperwork, which was eventually sold following months of £1 a month payments. No additional interest/charges were added, so the balance was correct. The solicitors' letter included a blank income/expenditure form which wanted details of everything apart from her underwear colour as well.

My friend decided that she wanted to make a token payment to hold them off, so a letter was sent querying the paperwork that forwarded from the DCA some time ago and requesting amore legible version and if they didn't have it to say so (under CPUTR), etc. We also ignored their income/expenditure and submitted an alternative which was constructed very carefully to leave her in deficit each month.... without telling a direct lie.

She received a letter back this week saying that their client was not able to accept any payment arrangement because she had insufficient funds coming in..... but any token payments would of course be appreciated.... and, the account is on hold.

What a lovely letter!! I was gobsmacked and it takes a lot to get me that way with debt collectors and their solicitors.....

Just thought I would share.....

I love to hear things like this!

Who are the solicitors and DCA P1?

[nightwatch]

Re: PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

I would frame it, you don't get many letters like that

[PriorityOne]

Re: PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

Not sure where to put this but thought this thread was as good as any.

I've been helping a friend for a number of years and all's been quiet for ages. She has a number of small post-2007 debts and one huge one, is in a rented property, so no real worries there but as she's very anxious not to get a CCJ in case she needs to move at some point, I've adapted some of my strategies to suit her needs to stop her worrying.

Anyway..... she received a letter before action from a firm of solicitors last month threatening court papers if no payments were forthcoming..... blah, blah. This particular debt is a smallish post-2007 credit card debt with enforceable paperwork, which was eventually sold following months of £1 a month payments. No additional interest/charges were added, so the balance was correct. The solicitors' letter included a blank income/expenditure form which wanted details of everything apart from her underwear colour as well.

My friend decided that she wanted to make a token payment to hold them off, so a letter was sent querying the paperwork that forwarded from the DCA some time ago and requesting amore legible version and if they didn't have it to say so (under CPUTR), etc. We also ignored their income/expenditure and submitted an alternative which was constructed very carefully to leave her in deficit each month.... without telling a direct lie.

She received a letter back this week saying that their client was not able to accept any payment arrangement because she had insufficient funds coming in..... but any token payments would of course be appreciated.... and, the account is on hold.

What a lovely letter!! I was gobsmacked and it takes a lot to get me that way with debt collectors and their solicitors.....

Just thought I would share.....

[PriorityOne]

Re: PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

Having successfully gone down the CPUTR route once again for a friend, please note:

If you require a definitive response from a creditor/DCA re. documentation, account history, etc... then the letter must be headed up as a FORMAL COMPLAINT. If you merely want them to feck off in the early stages and don't care why they do it, then be prepared to be ignored..... as they will have very little to respond with if they can't confirm/deny the existence of the documents and/or information you ask for.

Once matters have reached the solicitor stage, it's not advisable to give them any room for manouvre without having to clarify themselves under CPUTR as part of a formal complaint.

I had a post-2007 debt of over £10K suspended for a friend 2 years ago, due to lack of documentation/unsubstantiated account balance details, etc. We waited for it to be sold before beginning this journey.... as post-2007 debts are more difficult to challenge when they're still with the original creditors. She has since had several much smaller accounts sold to the same DCA but it's taken them a lot longer to do it, as they've seemed "happy" to collect £1 token payments until now.

I will be CCA-ing them on her behalf next week, so we'll see what turns up.

[PriorityOne]

Re: PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

Can someone help me please.
After reading this forum I sent off the request under CPUTR to a DCA, I don't want to say who just in case.
http://www.all-about-debt.co.uk/inde...onse-cputr-lip It was something like this one.

Anyway i got back a letter saying please send the fee so again I looked on here and found something to send back. The DCA wrote back saying they had passed it back to the credit card company who then replied that they need the £1 fee. What do I do next, is this enough to show they are being obstructive. When I spoke to the DCA on the phone the bloke was very rude to me demanding why I wasn't paying

There's a procedure to follow before bringing the CPUTR process into the picture. As said, you will need to start your journey with a CCA request to whoever is currently chasing you for payment which in this case, now seems to be the original creditor. If the DCA have passed it back, there should be no need to get in touch with them now at all unless they write to you again....

:-)

[Deepie]

Re: PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

Can someone help me please.
After reading this forum I sent off the request under CPUTR to a DCA, I don't want to say who just in case.
http://www.all-about-debt.co.uk/inde...onse-cputr-lip It was something like this one.

Anyway i got back a letter saying please send the fee so again I looked on here and found something to send back. The DCA wrote back saying they had passed it back to the credit card company who then replied that they need the £1 fee. What do I do next, is this enough to show they are being obstructive. When I spoke to the DCA on the phone the bloke was very rude to me demanding why I wasn't paying

they are mistaking your request for a CCA request, hence the £1 fee. I would in this instance, send a one liner referring them back to your letter. I would NOT be speaking to them on the phone, ever.

might be better if you started a diary, and laid out all your dent, then we can help you work it through

Like MrsD has said..... best start a diary and we'll take it from there......

[MrsD]

Re: PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

they are mistaking your request for a CCA request, hence the £1 fee. I would in this instance, send a one liner referring them back to your letter. I would NOT be speaking to them on the phone, ever.

might be better if you started a diary, and laid out all your dent, then we can help you work it through

[Luca]

Re: PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

Can someone help me please.
After reading this forum I sent off the request under CPUTR to a DCA, I don't want to say who just in case.
http://www.all-about-debt.co.uk/inde...onse-cputr-lip It was something like this one.

Anyway i got back a letter saying please send the fee so again I looked on here and found something to send back. The DCA wrote back saying they had passed it back to the credit card company who then replied that they need the £1 fee. What do I do next, is this enough to show they are being obstructive. When I spoke to the DCA on the phone the bloke was very rude to me demanding why I wasn't paying

[PriorityOne]

Re: PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

Think this might be what you need though....

allaboutFORUMS - View Single Post - C1 / Cr@pquest Vs the chippy - they really are silly billies!

[PriorityOne]

Re: PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

No... CPUTR is a pe-court tool for flushing out the state of play from a creditor/DCA who may be threatening court with some very dubious paperwork..... or none at all.

You may not get a specific answer to your question when quoting CPUTR but a creditor/DCA cannot mislead you in response by stating that they have docs. that they don't have, for example..... which strengthens your position.

[bobogosing]

Re: PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

a recon agreement can never be the basis of true unenforceability. A breach of s78 is suspensory per the COA Ruling in Kotecha, so it may be open to remedy by the creditor at any time up to trial.

The form and content requirements of s78 vary dramatically from that of s61 , see carey v hsbc bank plc as HHJ Waksman said the form requirements of the s78 copy were laid down in the Consumer Credit Cancellation Notices and Copies of Documents Regulations, whereas for s61(1)A the Consumer Credit Agreements Regulations 1983 as amended prescribe the form of the agreement in schedule 1 and 2 and 6

Is this the one please??

[PriorityOne]

Re: PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

They're both on this list Niddy....

s4 - Final Response - allaboutDEBT UK

[PriorityOne]

Re: PriorityOne & CPUTR 2008 (ex P1 CAG CPUTR 2008)

P1 - where is the main CPUTR letters? I will add them to AAD but for the life of me can't find em

Is this it --> Final Response - CPUTR (LiP) - allaboutDEBT UK

That's the one Niddy, yes.... although there was an adapted version for anyone using solicitors, I think.

The above letter hits the spot anyway though.... although people should remember that it's a basic template which is sometimes best used in conjunction with individual circumstances.