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Cabot finance taking me to court

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  • #31
    Re: Cabot finance taking me to court

    Yes I think so

    Comment


    • #32
      Re: Cabot finance taking me to court

      Originally posted by Amethyst View Post
      Cabot are licenced - http://www.cabotcm.com/important-inf...n-with-the-fca

      I'll put that on a separate thread actually as it comes up quite a lot xx
      Sooooo where's the proof that CF UK are not instructing solicitors and it's one the AR's? CF UK must have a servicing agreement for a start and even if they do that then the AR's will need to be acting on behalf of the non-authorised firms no CF UK. If CF UK is directly instructing law firms to collect debt, then does that not follow the exemption rules and they will be procuring the debt and in doing so will be considered carrying out regulated activities.

      Maybe I'm being too inquisitive but just because there's a statement on their website does not necessarily mean that they are in fact doing it. In addition to that they have been chasing for the last 2 years, which means if they did have a servicing arrangement since April 2016, anything prior to that is a criminal offence.

      I just thought I'd bring that up for the benefit of this thread but anything else should be discussed no the thread you made Ame.
      If you have a question about the voluntary termination process, please read this guide first, as it should have all the answers you need. Please do not hijack another person's thread as I will not respond to you
      - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
      LEGAL DISCLAIMER
      Please be aware that this is a public forum and is therefore accessible to anyone. The content I post on this forum is not intended to be legal advice nor does it establish any client-lawyer type relationship between you and me. Therefore any use of my content is at your own risk and I cannot be held responsible in any way. It is always recommended that you seek independent legal advice.

      Comment


      • #33
        Re: Cabot finance taking me to court

        Originally posted by R0b View Post
        I'm a bit confused, do you have a copy of the contract or not? Kati posted up some pages of what appears to be a contract so you either have it or you don't?

        Is it Cabot Finance (UK) Limited?

        If you have the contract, you have a statement of how much you have paid, you specify to the court that Cabot Finance (if its CF UK) are not authorised and are committing a criminal offence. I would suggest print out copies of the relevant sections I have referenced.

        Finally, if they have brought a claim which they are not entitled to do so ask the court to amend your claim to allow a counterclaim for malicious prosecution. The Supreme Court has recently accepted that if a person brings a claim which is groundless and the intent of causing injury to another, the ought to be liable for compensation. That case is Willers v Gubay 2016 UKSC

        If you have all the necessary ingredients why have you not just provided all of this in court (if you haven't already)?

        @nemesis45, I also made inquiries recently and the FCA does not have any group licence permissions. Every business who conducts a regulated activity must have their own licence as the group licence under the OFT is now revoked - The FCA published a guidance booklet on this so I will try to dig it out. Unless you mean something else? An example of this is the Law Society's group licence under the OFT - this allowed law firms to operate under the LS's licence but since the FCA has moved in, firms must now apply for their own.

        Edit: here's the link https://www.gov.uk/government/upload...ion_to_fca.pdf

        Section 3.19 at page 26
        Section 3.12 Authorised representatives???

        nem

        Comment


        • #34
          Re: Cabot finance taking me to court

          So please can you tell me were I stand and what to say in court and what you think my chances are

          Comment


          • #35
            Re: Cabot finance taking me to court

            Originally posted by Amethyst View Post
            So the hearing is for the claimants application to lift the stay ?

            You can put in a 'witness statement' before the hearing if you think you'll have trouble detailing things to the judge on the day - that way the judge will have a good idea of the case before the hearing starts. This can include
            when you VT'd the car, how much you paid and when, and a copy of the contract etc.

            You need to have paid £8592 to VT as well as any overdue/arrears charges etc. So can you evidence that you paid that amount - eg. bank statements showing payments etc?
            Can you answer this pls.
            #staysafestayhome

            Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

            Received a Court Claim? Read >>>>> First Steps

            Comment


            • #36
              Re: Cabot finance taking me to court

              Yes have all this

              Comment


              • #37
                Re: Cabot finance taking me to court

                Can I ask why you didn't show the judge the agreement and your statement which shows how much you have paid? Did the payments come out of the bank you are currently with or another bank? Either way, have you inquired as to whether or not they are still able to get you a copy of those statements showing your payments?
                If you have a question about the voluntary termination process, please read this guide first, as it should have all the answers you need. Please do not hijack another person's thread as I will not respond to you
                - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
                LEGAL DISCLAIMER
                Please be aware that this is a public forum and is therefore accessible to anyone. The content I post on this forum is not intended to be legal advice nor does it establish any client-lawyer type relationship between you and me. Therefore any use of my content is at your own risk and I cannot be held responsible in any way. It is always recommended that you seek independent legal advice.

                Comment


                • #38
                  Re: Cabot finance taking me to court

                  Because when I mentioned there was no contract the judge declined there application this time
                  I have statements the judge did have a copy of the payments

                  Comment


                  • #39
                    Re: Cabot finance taking me to court

                    Has anything changed since their last application to lift the stay ?

                    Could maybe you post a copy of the application ?
                    #staysafestayhome

                    Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

                    Received a Court Claim? Read >>>>> First Steps

                    Comment


                    • #40
                      Re: Cabot finance taking me to court

                      All they got since there last application is the contract they are saying there is nothing in the contract to say I could hand the car back early and are liable for the rest of the finance 9000

                      Comment


                      • #41
                        Re: Cabot finance taking me to court

                        Really? That's their argument ?

                        They disprove that themselves by disclosing the contract.

                        #staysafestayhome

                        Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

                        Received a Court Claim? Read >>>>> First Steps

                        Comment


                        • #42
                          Re: Cabot finance taking me to court

                          Sorry what does that mean

                          Comment


                          • #43
                            Re: Cabot finance taking me to court

                            Originally posted by Jasonknox View Post
                            All they got since there last application is the contract they are saying there is nothing in the contract to say I could hand the car back early and are liable for the rest of the finance 9000
                            and the contract clearly says you can hand the car back and owe nothing more once you have paid £8592.

                            Can you do a photo of their application and post it on here?
                            #staysafestayhome

                            Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

                            Received a Court Claim? Read >>>>> First Steps

                            Comment


                            • #44
                              Re: Cabot finance taking me to court

                              Ok how do I do that

                              Comment


                              • #45
                                Re: Cabot finance taking me to court

                                or email it to me admin@legalbeagles.info
                                #staysafestayhome

                                Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

                                Received a Court Claim? Read >>>>> First Steps

                                Comment

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