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Hello all, I am new to the forum and would like some help please. Sorry in advance for the long story.
A few months ago I received a ccj claim from Cabot about a credit card debt for £1400 , I know I did owe some of the debt so I panicked, part admitted and sent the forms to the court. I then sent a cca request to Cabot to which they have failed to respond to.
Anyway, after I calmed down and had time to think I realised that in 2012 I had a Ppi refund on the card and recently claimed back charges so I write to lloyds about the refund. I received a letter from lloyds stating that they have refunded me charges and paid off the credit card and my balance is zero and had what was left over paid into my bank account. The letter lloyds sent me said the debt was with apex and they requested the account to be sent back to lloyds so they can clear it. I phoned lloyds today to tell them the account was actually with Cabot. Lloyds told me that it is not with Cabot and they can't understand why Cabot is sending me letters. Lloyds told me the debt is with apex and not to worry because the account is cleared and to ignore any letters from Cabot because they do not own it.
i phoned the court to tell them this and they have told me that's probably why they haven't responded to the claim and it is now stayed. The court told me to keep the letter from lloyds as proof in case Cabot try to restart the claim.
so basically I've been stressed out to my eyeballs, worrying and losing sleep about getting a ccj from Cabot. They have taken me to court and put a default on my credit file and they don't even own the debt.
I was just wondering how I get the default off my credit file and would it be worth claiming for damages
apologies again for the long story.
thanks in advance xx
A few months ago I received a ccj claim from Cabot about a credit card debt for £1400 , I know I did owe some of the debt so I panicked, part admitted and sent the forms to the court. I then sent a cca request to Cabot to which they have failed to respond to.
Anyway, after I calmed down and had time to think I realised that in 2012 I had a Ppi refund on the card and recently claimed back charges so I write to lloyds about the refund. I received a letter from lloyds stating that they have refunded me charges and paid off the credit card and my balance is zero and had what was left over paid into my bank account. The letter lloyds sent me said the debt was with apex and they requested the account to be sent back to lloyds so they can clear it. I phoned lloyds today to tell them the account was actually with Cabot. Lloyds told me that it is not with Cabot and they can't understand why Cabot is sending me letters. Lloyds told me the debt is with apex and not to worry because the account is cleared and to ignore any letters from Cabot because they do not own it.
i phoned the court to tell them this and they have told me that's probably why they haven't responded to the claim and it is now stayed. The court told me to keep the letter from lloyds as proof in case Cabot try to restart the claim.
so basically I've been stressed out to my eyeballs, worrying and losing sleep about getting a ccj from Cabot. They have taken me to court and put a default on my credit file and they don't even own the debt.
I was just wondering how I get the default off my credit file and would it be worth claiming for damages
apologies again for the long story.
thanks in advance xx
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