Cabot Financial Vs TommyWal

[TommyWal]

Re: Cabot Financial Vs TommyWal

Cheers. No point in wasting time on it. No doubt they'll write to me! Thanks Mike

[nemesis45]

Re: Cabot Financial Vs TommyWal

Hi all. I have finally received a letter from Mortimer Clarke. They say : further to your letter and request for docs......

Our client has provided us with the docs and we enclose the following:

1. Reconstituted Credit Card Agreement.
2. Original Ts&Cs
3. Defaulted Ts&Cs
4. Statements from original creditor from 04/05/2014 to 04/02/2017
5. Letter dated 19/10/2015 notifying me that debt has been assigned.
6. Signed statement of account on behalf of claimant.


Now, in the same envelope which was sent 1st class post. They also include an offer if a 15% discount to "avoid the need for further court proceedings".

"If I agree to this proposal we may be instructed to send you s Tomlin Order detailing the settlement agreement"

They also have enclosed income expenditure forms.

I would be grateful if anyone could advise if this is common or whether it means they can win in court or not with the documents they have provided me.

Thanks once again.

Tommy

Good morning Tommy,
A " reconstituted " credit agreement must have the following and must be easily legible in all parts.

1. Your name and address as it was when the account was opened.

2. The original creditors name and address at the time the account was opened.

3. The T's & C's relevant when the account was opened.

4. The T's & C's relevant when the account was closed.

5. Any other documents mentioned in the T's & C's.

You should also receive a signed current statement of the account.

It would help if you could post copies of what you have received after removing personal data.

nem

[warwick65]

Re: Cabot Financial Vs TommyWal

Hi Tommy
So you have a copy of the agreement and defaulted agreement from Cap 1 and a reconstituted copy of both from Cabot. Are they essentially the same , i.e same name and address, same terms etc. Cap 1 terms and conditions often have a version number at the bottom , something like V#10

Have they sent you anything else you asked for under CPR 31.14

[TommyWal]

Re: Cabot Financial Vs TommyWal

Thanks guys. Ben, do you mean to post photos? If so how do I do it from the mobile site?

[Kati]

Re: Cabot Financial Vs TommyWal

email them to me (see my signature for details) and I'll pop them up xx

[TommyWal]

Re: Cabot Financial Vs TommyWal

Brill. Thanks Kati.