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Re: Cabot CCA response
Nowt to say to them until/if they actually write again.
Nowt to say to them until/if they actually write again.
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Re: Cabot CCA response
Also can you just clarify something for me please.
I have seen some examples of letters on here from Cabot claiming that an application form is sufficient as it is headed with "Consumer Credit Agreement Regulated by the Consumer Credit Act 1974"
It also contains a box giving examples of interest rates in APR for several different amounts of credit (starting at about 38% for 100 credit limit up to around 66% for 1000 credit limit.)
It also has what is alleged to be my signature.
Am I correct in the belief that it has to contain a the signature of the Creditor also in order to be properly executed? This does not.
The enclosed letter from the OC is dated May 2009. It claims that they have adhered to my statutory request and have enclosed.... "the executed agreement in the form of 1) Terms and conditions, 2) Application Card."
I believe the OC sent Cabot those items in May and they are perfectly aware that it is not a properly executed agreement. I believe they have dragged their heels this long hoping to obtain something more. Then when they couldn't, they have decided to forward what they do have and hope it will convince me that they have a case? Would you agree?
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Thanks for the swift reply by the way!Redletter.
I believe the struggle for financial freedom is unfair - I believe the only ones who disagree are millionaires.......(Darren Hayes/Savage Garden)
"Get up at 6 face another day another red letter in the mail-already taken my TV away-whatever I earn there's always more to pay.....Gotta turn these rags to riches turn the pennies into pounds cos right now all my days are bitches and I'm tired of being down!." Copyright Change! (Redletter 2006).Comment
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Re: Cabot CCA response
bump!Redletter.
I believe the struggle for financial freedom is unfair - I believe the only ones who disagree are millionaires.......(Darren Hayes/Savage Garden)
"Get up at 6 face another day another red letter in the mail-already taken my TV away-whatever I earn there's always more to pay.....Gotta turn these rags to riches turn the pennies into pounds cos right now all my days are bitches and I'm tired of being down!." Copyright Change! (Redletter 2006).Comment
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Re: Cabot CCA response
The mere fact of the example APR's is failing enough under CCA, after all you have NO idea what your actual limit is..
Yes the agreement does have to be signed by the creditor to be properly executed.Comment
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SHORTCUTS
First Steps
Check dates
Income/Expenditure
Acknowledge Claim
CCA Request
CPR 31.14 Request
Subject Access Request Letter
Example Defence
Set Aside Application
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.
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