Cabot referral to solicitor in 1m

[Yellow33]

If I do a CCA request this week would it go to cabot or equivo?

[Roger]

If I do a CCA request this week would it go to cabot or equivo?

Use AAD S.78 template send to Cabot plus £1.00 and copy of this to equivo . I always used Post Orders (personally) and ask Post Office for receipt and Proof of Postage.

[The Tech Clerk]

Use AAD S.78 template send to Cabot plus £1.00 and copy of this to equivo . I always used Post Orders (personally) and ask Post Office for receipt and Proof of Postage.

» CCA Request

[Yellow33]

Thank you, I will send later this week.

[Yellow33]

Another wee question as a thought. IF I do end up at court, and I know I am a long way from there, would Joanne connelly be able to represent me in Scotland? I would feel so much better knowing I had her experience without trying to find someone here?

[Still Waving]

Another wee question as a thought. IF I do end up at court, and I know I am a long way from there, would Joanne connelly be able to represent me in Scotland? I would feel so much better knowing I had her experience without trying to find someone here?

Have you had any contact yet from anyone at JCS? I know that a link has been sent to one of the people there, but he may be on holiday, as there is normally a fairly quick response.

EDIT: It would be worthwhile to have a free consultaion about your current position, as they could clarify how you currently stand.

[Yellow33]

Not yet. I will wait to hear from them.

Notwithstanding what comes through on the CCA, I now know it is cabot uk which is fightable but I would need legal representation if/ when the time comes.

[Still Waving]

Not yet. I will wait to hear from them.

Notwithstanding what comes through on the CCA, I now know it is cabot uk which is fightable but I would need legal representation if/ when the time comes.

I suggest that you need to be a bit more proactive in contacting JCS. It is, after all, your position which is at stake. You could try contacting here - gerry@joannaconnollysolicitors.co.uk and linking to this thread.

[The Tech Clerk]

JCS have connections around UK if needed. through JCS.

[Yellow33]

As always, thank you

[Yellow33]

Type of account - credit card Date commenced - 2009?
Approx balance - £13000
Date last paid - november 2017
Are you on arrangement or not paying - no arrangement, not paying
Account owner - cabot financial europe

13/5/22: letter from czbot, we will pass your case to our solicitors in 1 month.

20/5/22: letter from cabot, we will pass your case to our solicitor in 21 days

27/5/22: letter from cabot, we will pass your case to our solicitors is 14 days

3/6/22: letter from cabot, we will pass your case to our solicitors in 7 days.

6/22: DSAR received from virgin. No credit agreement. Letters advising missed payments, monthly statements and default notice only.

23/6/22: Letter from cabot,. We have tried to contact you to discuss your account... we are referring upur account to equivo solicitors scotland. They will want to speak to you within the next 7 days where they will review your situation and help arrange the most suitable solution based on your circumstances.

29/6/22 letter from equivo. We are a firm of solicitors and have been instructed to contact uouvto agree how the sum outstanding from you will be paid. Please call us ... may accept a lump sum or regular installments...

no deadline for contacting thrm and no mention of legal action.

10/7/22 letter from eqivio. We have wrote to you znd telephoned you but have been unable to make contact with you. We are keen to find a suitable solution....we may be able to accept a partial settlement etc etc.. if you do not contact us we may be instructed by our client to issue court proceedings against you wich will include z claim for costs .if a decree is obtained we may be instructed to enforce etc etc.

12/7/22 letter from equivo

Our client has advised us that you have not repaid the sums due in respect of the above account. Consequently your agreement with our client has been terminated, which means the balance outstanding as detailed above is due and our client now requires your proposals for payment.

Please therefore treat this letter as notice that, unless an arrangement is reached withing 14 days, we will instruct our partner solicitors, shoosmiths, to commence court proceedings against you for recovery of the sums outstanding. Please note that should you not respond, no further notification of the court proceedings will be given to you.

This means that shoesmiths may makmay application to the court to have a decree registered against you.....if a decree is obtained then shoesmiths may be instructed to enforce that decree which may include an application for an inhibition against you...

Rather than issue court proceedings our client would prefer to find a suitable solution.....

20/7/22 JCS cannot act for me in Scotland. If the terms and conditions referred to English law they could request the case be transfered to a Scottish court and act for me. No terms and conditions in my DSAR.

[Yellow33]

So, feeling pretty hopless again. JCS do not know of any other solicitors who can help. I will do the CCA anyway to buy time and hope that uncovers something which would make a case. I will also try to find a local solicitor which specialises in this type of case.

[Still Waving]

20/7/22 JCS cannot act for me in Scotland. If the terms and conditions referred to English law they could request the case be transfered to a Scottish court and act for me. No terms and conditions in my DSAR.

Transferred to an English court ??

[Yellow33]

Yes if the terms and conditions were English. But there are non on file

[Yellow33]

They don't know of any other solicitors fighting cabot uk as they do...