Aqua Mastercard - Cabot Financial UK - Mortimer Clark Solicitors

[Trentt21]

Thanks for all the responses guys- I have sent an email to Niddy and a Direct message to Colin G Quinn ( perhaps someone could give me an email address for Colin if that is a better way to make contact)

[Still Waving]

"to contact me you can send a message by clicking on my username or by emailing me at colin@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free."

[Colin G Quinn]

Hi everyone,

Trentt21 I have read this thread and I have received your DM. Welcome to AAD.

If the LOC expires in a couple of weeks, let's consider if a CCA request at this stage is going to achieve anything of real value to you.

If you post a CCA request it is deemed served two days later and the creditor has 12 working days to comply. By that time the LOC will likely have expired, and as I always say, if a creditor is going to issue a Claim, it will issue regardless. A valid CCA request being received does not debar a creditor from issuing a Claim, it just prohibits it from entering Judgment until that request is complied with (although, sadly, if a consumer represents themselves, or if the issue isn't properly argued by Solicitors for example, that doesn't stop Courts erroneously finding a request has been complied with).

In response to your DM, please feel free to email me the LOC to review. I hope everyone on AAD, whether a new member or veteran, does not feel the need to ask permission to contact me. I am happy to hear from anyone.

In my experience, a lot of these 'Aqua' accounts are unenforceable, or not agreements with the alleged original creditor, and the assignment issues which arise out of the same are substantial, and often inexplicable.

My initial thoughts are that a CCA request at this stage will not prevent a Claim being issued, and may actually assist the creditor in 'rectifying' issues in its own case.

I am currently instructed in case a whereby the creditor has, by way of my strategy, confirmed it has issued a claim against a consumer with no information or documentation in support of its case. I am instructed to apply to strike that Claim out at a very early stage.

I await your email, and will respond on here upon receipt.

[Trentt21]

Thank you SW, copy of LOC emailed to Colin as advised - feeling very happy to have found this forum

[Trentt21]

Heartfelt thanks to Gerry at joannaconnollysolicitors.co.uk for clear, informative advice in our recent telephone conversation - will post update after next move from MC

[Matty B]

I have CCA request printed off and ready to go- should I send this off to the DCA and a copy to Mortimer Clarke ( deadline for reply to MC's LBC is just under two weeks)
or should I hold fire until somebody here has had a chance to look over my "Letter before claim"?
Any advice would be much appreciated. Many thanks in advance.....

Did you send that CCA request or decide to wait?

[Roger]

Did you send that CCA request or decide to wait?

NOT A SENSIBLE QUESTION WHEN WE KNOW THAT DBA'S READ THESE FORUMS

No two debts are the same neither are the tactics!

@trent21 AAD respects whatever decision you have made!

[Trentt21]

Thanks Roger and apologies Matty - I'm opting not to release that information just now, on advice given. Will however post future developments....

[Never-In-Doubt]

Glad you're all sorted Trentt. We're here when you need us. Bear in mind, in AAD+ only members can view threads. The lenders won't be able to view anything posted there

[Trentt21]

Thanks Niddy, will bear that in mind

[Matty B]

Thanks Roger and apologies Matty - I'm opting not to release that information just now, on advice given. Will however post future developments....

It is perfectly ok, after all I am also cautious

[Matty B]

NOT A SENSIBLE QUESTION WHEN WE KNOW THAT DBA'S READ THESE FORUMS

Can you tell me what a DBA is or is it a typo and did you mean a DCA or maybe a debt purchaser such as Cabot?

[Roger]

Can you tell me what a DBA is or is it a typo and did you mean a DCA or maybe a debt purchaser such as Cabot?

As you point out a Typo error!
Tactics are a different perspective which is overlooked!
It requires a judgement and assessment at an individual and personal Case level.
Hence my reaction of NOT pressing for further information! The LBC is being used to ensnare and Case build against the Debtor!
Look at how important the AAD Diary format is! Especially where perhaps we need professional and private legal advice!

https://all-about-debt.co.uk/member/3-never-in-doubt has pointed out ".. Bear in mind, in AAD+ only members can view threads. The lenders won't be able to view anything posted there

[DoingMyBest]

Hi all,

Cabot UK have issued court papers against me for two old CC debts, in Scotland. I'm confused by the posts here as to whether they are authorised to or not? Can anyone clarify please? I'll also email Colin.

Thanks,

DMB