CABOT

[Roger]

Hi Topher, and welcome.

It would be worth starting your own diary so that those that know more than me can offer advice with some relevant background.

Debts diaries here:

https://all-about-debt.co.uk/forum/d...bility-diaries

Preferred format, one post in the diary for each debt:

Type of account (credit card/loan/overdraft)
Date commenced
Approx balance
Date last paid (approximate date you last made a FULL payment)
Are you on arrangement or not paying
Status (default/in arrears/up-to-date)
Account owner (who is writing to you, a DCA or the lender or a debt purchaser)

Requote the post (or C & P) each time you need help with a question or get correspondence etc.

Good luck...

Do as requested above by Night Monkey
".. ive got a county court business center claim form cabot financial uk as the claimant and mortimer acting as reps. .."
You need legal advice
@Colin G Quinn
"..I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at colin@joannaconnollysolicitors.co.uk or by...

[Gerry Jemitus]

Hi Topher,

We have successfully argued this in court in several cases.

The argument against the exemption on which Cabot rely is complex and usually requires 3 hours in court for legal submissions to be made. There is no binding case law, as these hearings take place in the county court.

[Topher]

Hi Topher, and welcome.

It would be worth starting your own diary so that those that know more than me can offer advice with some relevant background.

Debts diaries here:

https://all-about-debt.co.uk/forum/d...bility-diaries

Preferred format, one post in the diary for each debt:

Type of account (credit card/loan/overdraft)
Date commenced
Approx balance
Date last paid (approximate date you last made a FULL payment)
Are you on arrangement or not paying
Status (default/in arrears/up-to-date)
Account owner (who is writing to you, a DCA or the lender or a debt purchaser)

Requote the post (or C & P) each time you need help with a question or get correspondence etc.

Good luck...

Thanks for the reply ive added a thread in the diaries section

[Topher]

Hi Topher,

We have successfully argued this in court in several cases.

The argument against the exemption on which Cabot rely is complex and usually requires 3 hours in court for legal submissions to be made. There is no binding case law, as these hearings take place in the county court.

Good to hear and well done! Sounds like a complicated argument, so in my case atm its probably something to just bear in mind.

[julian]

Seems like MC are in the office again. Starting with automated letters to get pulses rising. It is easier to rerun old threats that can be sent out automatically whilst preparing new threats.
Now there is at least one person to answer (eventually) the phone, calls are also reborn.
They are committed to help you??
Rather to help themselves.

[julian]

Ooh er just got another letter from the rottweilers. After sending a van full of "we really want to help you" letters with I&E forms, they said they would refer the "account" back to t'masters for a decision on how to proceed. Quaking opening today's missive, received "we really want to help you" and I&E forms. How many in a full set? Hopefully postage will soon reach the amount they are chasing.
So it looks like they were told to bog off. Shame they have been misinformed, but not going to tell them until they follow the correct procedure.
?????
?????