Cabot /Mortimer Claimform - Newday Fluid Card - stayed - Now N244 - Summary Judgement ***Claim Discontinued***

[albouk]

This debt was originally for a Newday Fluid credit card which has since been sold to Cabot Financial and is now being pursued by Mortimer Clarke.

 

When Mortimer Clarke began to chase the debt I asked for the credit agreement, default notice and deed of assignment, this was not produced at the time of asking, they claim it was sent out in their witness statement!

 

They sent out a LBA 6 months later on the 25^th March 2021 which we did ignore because of the lack of evidence, on the 28^th March 2021 they issued a claim.

 

I did defend the claim stating they had not shown the debt existed as they failed to provide the credit agreement, default notice and deed of assignment. The case was left stayed until late February 2023 and now they are applying for Summary Judgement.

 

2 other things to note,

in their witness statement they state they sent out the documents asked for in the defence on the 18^{th of} February 2022,

upon checking the document in the witness statement it was sent to an email address belonging to my partner which is a surprise since all previous contact was via post and he does not remember getting it.

 

They did send a warning about applying for summary judgement back in September 2022 but again we ignored this because we didn’t have the documents.

The first time we have seen the requested documents is upon receiving the bundle from the court last week.

 

The hearing is on the 28^th March 2023.

 

This and all other debts defaulted back in summer 2019 ideally, I do not want a CCJ.

The only anomaly I can see to argue my case is that we never did receive a default notice at the time even though one has been included as evidence.

 

I have on a “without prejudice save as to costs” basis attempted to come to an arrangement with them.

I offered £500 as a full and final settlement or £100 per month for the full debt.

This was rejected as they have been advised to pursue for Summary Judgement even though in their witness statement, they would be happy to accept monthly payments if I lose.

 

They then sent an email stating they would ask the court for costs totalling around £750.

 

Any help would be appreciated.

[dx100uk]

have you actually received the N244 etc in the Post.

 

they should not be served via email!!

 

you need to cut that off now

send one email to their sols, stating email is NOT to be use dfor anything regarding our mutual court claim.

 

you state you did received exhibits in their WS.

 

can you scan up the N244 ( if you have had a PAPERCOPY (not via email)

 

and also their FULL WS inc Exhibits

 

read our upload guide CAREFULLY

one mass PDF only please!

 

dx

 

 

[albouk]

Thanks for the quick response!

 

I have received an N244 in the post, I will scan all the docs in the morning and get them uploaded.

 

N244

 

N244 .pdf

[dx100uk]

does that ip address trace to near you for the time of take out?

 

you said this was orginally an mbna card but the fleecers claim it was a newday fluid card taken out through a third party provider/broker at 11pm at night? M1 Money is it? do you remember doing this?

 

 

 

 

[albouk]

I’m not sure who has added the MBNA to the text or title of this post, it wasn’t me. The card was a Newday Fluid.

 

The IP address is ours I investigated that. I don’t remember taking out the card at all!

 

After looking at the bundle of evidence they have submitted I can see 2 points to go back at them with which may be enough to stop the summary judgement.

 

1. I don’t recall receiving a default notice, as this is a purchased debt they are relying on information from Newday. They have provided a default notice but have failed to show proof of service.

 

2. In the credit agreement page 21 onto 22 of the exhibits “how can the agreement be ended”  it states they can cancel the agreement giving 2 months’ notice and then goes on to say in the same headed section about repeated missed payments etc. At the bottom it states “we will give you advance notice and the chance to fix the breach before taking these steps”. As a default notice is a termination of the agreement could I argue even if the default notice was served they didn’t give me 2 months as in the agreement. I know in other credit agreements I have they clearly differentiate between normal termination and default termination.

 

What are your thoughts?

[dx100uk]

sorry about mbna sorted now.

 

weighing everything up

 

they appear to hold all the cards they need too?

 

 

[albouk]

So you think settle before hearing if possible?

 

do you think my 2 points above are weak arguments? 

[dx100uk]

neither are valid.

 

dx

[albouk]

Thanks for your assistance 

[albouk]

What about notice of sums in arrears. I’ve never had any notices after the debt was assigned. CCA 1974 s86(d) states the agreement is unenforceable during a period of non compliance. Notices should be provided at least every six months. 

[dx100uk]

well they are in the upload, several of them.

and even if they dont send them, it doesn't make the agreement voided, simply that they cant charge interest for that period.

 

dont get confused with no DN, that they have too and it looks compliant as well.

 

dx

 

 

 

[albouk]

Yes I agree they were being sent before default but they still have to send them until a judgement is given at least annually.

 

 

[dx100uk]

nope makes no real odds 

[kjw327]

Hi @albouk, I wanted to let you know that your full name appears several times within your upload in post number 3.  It is on pages 70, 83, 88, 97, 111 and 127.

 

Thanks for sharing your experience to date, I too am at the N244 stage following the lifting of a stay and my case is progressing.  It is really helpful to be able to see how they have constructed their WS and exhibits and being able to understand what compliant and non-compliant documents may look like.

 

I hope you are able to resolve this in a way that is manageable for you.

[albouk]

Do you have your own post up with your claim? Im fighting this one on a couple of technical defences.

[dx100uk]

3 hours ago, kjw327 said:

Hi @albouk, I wanted to let you know that your full name appears several times within your upload in post number 3.  It is on pages 70, 83, 88, 97, 111 and 127.

upload a new file and i'll swap

 

dx

 

[dx100uk]

3 hours ago, albouk said:

Do you have your own post up with your claim? Im fighting this one on a couple of technical defences.

 

kjw327's Content (consumeractiongroup.co.uk)

[albouk]

After reviewing my witness statement Mortimer Clarke have stated their client is willing to accept a settlement of £600 which was my last offer to them! Thats because they have absolutely no chance in winning their case. I have told them to proceed to Tuesday’s hearing, where they will either have their claim dismissed or have it sent to trial and have to pay my costs and their own expenses.

[kjw327]

Do you have a redacted version of your WS to share?

[albouk]

I will be able to share that dependant on the outcome of Tuesdays hearing or if they walk away from the case before then. I don’t want to jeopardise anything just yet.

 

After reviewing the letter again, it stated let us know if you don’t want to settle for £600 so we can take further instructions from our client. So, I called to give them every opportunity to walk away from the case before Tuesday’s hearing. Let’s see what happens between now and then. I will update this post as soon as I have anything more to share.

[kjw327]

Good luck!

[dx100uk]

1 hour ago, albouk said:

I will be able to share that dependant on the outcome of Tuesdays hearing or if they walk away from the case before then. I don’t want to jeopardise anything just yet.

 

 

thats not fair on CAG members , their threads you've read nor CAG as a whole

the forum has helped you 

its not for being selfish

[albouk]

Maybe but I won’t upload until the case is resolved either way. The other day you told me I had no defence. This statement was also compiled from research I’ve done outside of this forum. If you feel I’m being unreasonable or its against your rules, then I’m happy to remove my account.

[dx100uk]

same outcome, you've abused people goodwill. we dont remove accounts no.

 

no one has said you have no defence, you already filed that long ago, 

if you mean the ideas to put in your WS, which you were popping up, you got honest answers.

 

didn't mean you couldn't put it up and ask for help on it.

thats probably what others were waiting for....

 

never mind 

moving on.

 

dx

 

 

 

[kjw327]

@albouk how did you get on?