• Welcome to the LegalBeagles Consumer and Legal Forum. Please register to get the most out of the forum. Registration is free and only needs a username and email address.
  • LegalBeagles® is a free forum, founded in May 2007, providing legal guidance and support to consumers and SME's across a range of legal areas.

    Please do not post your full name, reference numbers or any identifiable details on the forum.

Advice needed please - Mortimer Clarke / Cabot / Tesco

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • #31
    Thanks for the SAR stuff.

    And the letter from Cabot. That does say their application was granted and they await directions from the court - so guess we are waiting for those directions now too.

    It all seems a bit odd in the SAR though doesn't it.

    Anyway the last statement is stated to have been September 2018 for £3500 odd so that does scan with the claim amount.
    The account status is showing as ZO - did they include a list of abbreviations? if not, might be worth giving them a call and asking what that stands for.
    PPI was cancelled in 2005.
    Theres one late payment charge in 2007.
    No transaction lists.
    No date of closure or date of charge off of the account.
    Nothing about arrears or default.
    It wasn't over its limit on the last statement date in Sept 18. It's actually about £1400 under the limit.
    Then there's updates to cardholder contact details in 2012 and oddly, a start date, for you as a cardholder in 2012, and also a start date for the address - and it's the same address as on the 2002 application.
    and then they say they have no knowledge of Cabot having anything to do with anything.
    No indication of the account being sold to Cabot ( or anyone)
    Nothing about the balance transfer being declined etc. But then that would have been back in 2002 so probably off their system by now.

    Presumably they sent you more stuff? or was that it ? any clues at all ?

    The letter does say ' fully comprehensive schedules of default" but can't see anything even vaguely related to a default.

    Well I'm sure that's just confused you more than you were originally. I think maybe you need to have a chat with Tesco and try find out what you can.
    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

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

    If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page

    Find Solicitors offering fixed fees on our sister site - JustBeagle.com

    Comment


    • #32
      Hi Amethyst, that is all they sent me for the SAR, they said that's all the information they hold on me! There definitely isn't a default on my credit report. I will call them on and see what ZO means and keep trying to get through to the mediation service. Thanks

      Comment


      • #33
        Goodness me. That shows nothing. Also, very strange how they say there's nothing relating to Cabot when at some point they must have received a request from them for a copy of the agreement and responded to it ( with the wrong one it seems).
        Let me know what they say anyway xx
        “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

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

        If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page

        Find Solicitors offering fixed fees on our sister site - JustBeagle.com

        Comment

        View our Terms and Conditions

        LegalBeagles Group uses cookies to enhance your browsing experience and to create a secure and effective website. By using this website, you are consenting to such use.To find out more and learn how to manage cookies please read our Cookie and Privacy Policy.

        If you would like to opt in, or out, of receiving news and marketing from LegalBeagles Group Ltd you can amend your settings at any time here.


        If you would like to cancel your registration please Contact Us. We will delete your user details on request, however, any previously posted user content will remain on the site with your username removed and 'Guest' inserted.

        Announcement

        Collapse
        1 of 2 < >

        SHORTCUTS

        Pre-Action Letters
        First Steps
        Check dates
        Income/Expenditure
        Acknowledge Claim
        CCA Request
        CPR 31.14 Request
        Subject Access Request Letter
        Example Defence
        Set Aside Application
        Witness Statements
        Directions Questionnaire



        If you received a court claim and would like some help and support dealing with it, please read the first steps and make a new thread in the forum with as much information as you can.


        NOTE: If you receive a court claim note these dates in your calendar ...
        Acknowledge Claim - within 14 days from Service

        Defend Claim - within 28 days from Service (IF you acknowledged in time)

        If you fail to Acknowledge the claim you may have a default judgment awarded against you, likewise, if you fail to enter your defence within 28 days from Service.




        We now feature a number of specialist consumer credit debt solicitors on our sister site, JustBeagle.com
        If your case is over £10,000 or particularly complex it may be worth a chat with a solicitor, often they will be able to help on a fixed fee or CFA (no win, no fee) basis.
        2 of 2 < >

        Need Formal Help?




        Search and Compare fixed fee legal services and find a solicitor near you.

        Find a Law Firm


        See more
        See less

        Court Claim ?

        Guides and Letters
        Loading...

        upgrade to vip

        Want exclusive access to forums, more privacy and a live chat box? Upgrade to become a bigger part of our community.

        only £15/yr

        Offers available. No subscription traps.

        sign up now



        Search and Compare fixed fee legal services and find a solicitor near you.

        Find a Law Firm


        Working...
        X