Court Claim - Cabot Financial UK / Lloyds - 2-12-2014

[nemesis45]

Re: Court Claim - Cabot Financial UK / Lloyds - 2-12-2014

Thanks a lot nemesis45. Letter drafted and sent here:

FCA Head Office, 25 The North Colonnade, London E14 5HS.

Should I send a copy here as well? consumer.queries@fca.org.uk

Yes " belt & braces" is good!

[octet]

Re: Court Claim - Cabot Financial UK / Lloyds - 2-12-2014

That is a belter of a letter, btw post no 29, I would construe this as a ploy to get a true copy of your signature, so that they could allegedly, use this for other documents in their own defence of the PoC. Never sign anything, the original CCA will have your signature on and its up to them to get hold of of it in order for them to prove true ownership.

My friend just did a random signature on that letter, so they won't have his real signature in case they act funny.

[beaconsman]

Re: Court Claim - Cabot Financial UK / Lloyds - 2-12-2014

I'm ambidextrous my signing hand is always my right.

On the CCA and CPR it is electronic in a bold line...:tinysmile_twink_t2:

[octet]

Re: Court Claim - Cabot Financial UK / Lloyds - 2-12-2014

We had this first reply from FCA via email:

[nemesis45]

Re: Court Claim - Cabot Financial UK / Lloyds - 2-12-2014

Excellent!!

nem

[octet]

Re: Court Claim - Cabot Financial UK / Lloyds - 2-12-2014

Full reply received from FCA:

[octet]

Re: Court Claim - Cabot Financial UK / Lloyds - 2-12-2014

Details about Cabot Financial Ltd here:

[octet]

Re: Court Claim - Cabot Financial UK / Lloyds - 2-12-2014

We're going to reply to FCA with the following:

=====

Dear Mr Olushola,

Many thanks for your reply.


I’d like to bring to your attention the following:


1. In your reply you mention: “Our guidance on sections 77, 78 and 79 of the Consumer Credit Act 1974 under CONC 13.1 can be accessed here.” There is no link to follow for the guidance specified.


2. You are also making reference to the complaint process here: “Should they not respond to you within eight weeks or if you are unhappy with their response, then, you can adopt the complaint process. Here are more details about the process.” The link takes you to a login page powered by Sales Force and is not information publicly available.

======

Anything else worth mentioning guys?

Thanks!

[gallahad]

Re: Court Claim - Cabot Financial UK / Lloyds - 2-12-2014

Maybe something along the lines of:
As the regulator should you not be regulating the companies that make a habit if taking court action when they do not have available the documentation that would enable the courts to enforce?
G

[octet]

Re: Court Claim - Cabot Financial UK / Lloyds - 2-12-2014

Added that as well, awaiting more feedback before sending it over:


=====

Dear Mr Olushola,

Many thanks for your reply.


I’d like to bring to your attention the following:


1. In your reply you mention: “Our guidance on sections 77, 78 and 79 of the Consumer Credit Act 1974 under CONC 13.1 can be accessed here.” There is no link to follow for the guidance specified.


2. You are also making reference to the complaint process here: “Should they not respond to you within eight weeks or if you are unhappy with their response, then, you can adopt the complaint process. Here are more details about the process.” The link takes you to a login page powered by Sales Force and is not information publicly available.


3. As the regulator should FCA not be regulating the companies that make a habit taking court action when they do not have available the documentation that would enable the courts to enforce?


======

[gallahad]

Re: Court Claim - Cabot Financial UK / Lloyds - 2-12-2014

This says it all about Restons and the regulators
http://www.ianfraser.org/fca-collude...ed-hsbc-fraud/

G

[octet]

Re: Court Claim - Cabot Financial UK / Lloyds - 2-12-2014

Another reply received from FCA, basically the same thing, ignoring our 3rd question.

========

Dear Sir/Madam,

I thank you for your email and attached documentation regarding your concerns over the time scale provided by Cabot about your requested copy of agreement.

I can confirm that Cabot Financial (Europe) Limited are on the interim permission for consumer credit, they have permission that allow them to collect debt.

Here is further information about the firm and their permissions (enter the reference number 441205 and press search).

Our guidance on sections 77, 78 and 79 of the Consumer Credit Act 1974 under CONC 13.1 can be accessed here.

There are no specific rules regarding the time scale for providing the information and I noted that Cabot is not the original owner of the debt. However, failure to comply with the provisions means that the agreement becomes unenforceable while the failure to comply persists, and the courts have no discretion to allow enforcement.

If you believe Cabot has treated you unfairly, I recommend you raise your complaint with them. Although, I noted that you have already contacted them.

Financial firms we regulate must respond to your complaint in writing within eight weeks, telling you whether the complaint has been successful or why they need more time to look into it.

Should they not respond to you within eight weeks or if you are unhappy with their response, then, you can adopt the complaint process.
Here are more details about the process.

I trust this clarifies your concerns and hope the information is of assistance.

Yours sincerely

Olushola Egbowon (Mr)
Customer Contact Centre
Financial Conduct Authority
Consumer Helpline 0880 111 6768
Website www.fca.org.uk
Email consumer.queries@fca.org.uk

To help us improve our service, we are interested in finding out about your experience with the Contact Centre today. We will send you a link to a survey and we would appreciate it if you could take a few moments to share your feedback with us.

=============

[nemesis45]

Re: Court Claim - Cabot Financial UK / Lloyds - 2-12-2014

What a load of old Bowlocks 12 + 2 Working Days to comply if the FCA don't know that that is laid down in statute what hope do we have.

nem

[octet]

Re: Court Claim - Cabot Financial UK / Lloyds - 2-12-2014

Nem, do we have a link that we can use as a reference with the statute? I'd like to write them back, useless gits!!!

[octet]

Re: Court Claim - Cabot Financial UK / Lloyds - 2-12-2014

New letter received from Cabot Financial: