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Re a Claim form I received, please see the information I believe to start below - if you need more, please let me know. I do hope you can help.
Issue date - 14/11/16
Amount - 2760.10 plus 105 fee and 80 costs (2945.10)
Claimant - Cabot
Solicitor - Mortimer Clarke Solicitors Ltd
Original Creditor - Halifax Bank
Particulars - Monies due under current account overdraft. The claimants claim is for the balance outstanding under a Bank account facility Halifax agreed to maintain for the defendant. It was a term of the bank account that any debit balance would be repayable by the defendant in full on demand. The defendant has failed to repay the amount due. The debt was assigned to the claimant. The claimant therefore claims 2760.10.
Statute Bared - The debt would be no more than 4 years old I believe.
I've sent no letters or anything. (Part of the problem I believe)
Background - I think I might of had an overdraft sometime after Mid 2012, but I can't remember. Due to personal reasons, I have been unwell, and moved house (still renting) numerous times over the past few years and sofa surfed a few times as well as being homeless once, which affected my mental health and other things too numerous to mention (but happy to if any of it helps!)
I have finally gotten back some control of my life, and believe that a past debt has caught up with me. Due to moving so many times, a lot of old paperwork and stuff got lost, so it will be impossible for me to prove or disprove the claim from what I have managed to keep.
I only have online print of a bank statement from 8th June 2012 but shows a balance of aprox -40.00.
I started to look at MCOL, but I don't understand the implications of disputing the claim (full or part) and what might happen if I went for full dispute, and it was then found that I was wrong.
Basically I can't remember what happened, so I don't want to prejudice anything by getting the first part of acknowledging my claim wrong.
I think I understand the next steps for asking for the CCA S77 (which goes to Cabot) and also the CPR which would go to Mortimer (Please shout if that's wrong)
Would there be any use in writing to Halifax, (at my Bank Address?) and if so would that be the SAR I saw mentioned in another post - Or am I past this step, and it is too late?
Sorry if I'm jumping ahead of how things work here, please tell me to slow down if that's the case
Thanks very much in advance
PR
Re a Claim form I received, please see the information I believe to start below - if you need more, please let me know. I do hope you can help.
Issue date - 14/11/16
Amount - 2760.10 plus 105 fee and 80 costs (2945.10)
Claimant - Cabot
Solicitor - Mortimer Clarke Solicitors Ltd
Original Creditor - Halifax Bank
Particulars - Monies due under current account overdraft. The claimants claim is for the balance outstanding under a Bank account facility Halifax agreed to maintain for the defendant. It was a term of the bank account that any debit balance would be repayable by the defendant in full on demand. The defendant has failed to repay the amount due. The debt was assigned to the claimant. The claimant therefore claims 2760.10.
Statute Bared - The debt would be no more than 4 years old I believe.
I've sent no letters or anything. (Part of the problem I believe)
Background - I think I might of had an overdraft sometime after Mid 2012, but I can't remember. Due to personal reasons, I have been unwell, and moved house (still renting) numerous times over the past few years and sofa surfed a few times as well as being homeless once, which affected my mental health and other things too numerous to mention (but happy to if any of it helps!)
I have finally gotten back some control of my life, and believe that a past debt has caught up with me. Due to moving so many times, a lot of old paperwork and stuff got lost, so it will be impossible for me to prove or disprove the claim from what I have managed to keep.
I only have online print of a bank statement from 8th June 2012 but shows a balance of aprox -40.00.
I started to look at MCOL, but I don't understand the implications of disputing the claim (full or part) and what might happen if I went for full dispute, and it was then found that I was wrong.
Basically I can't remember what happened, so I don't want to prejudice anything by getting the first part of acknowledging my claim wrong.
I think I understand the next steps for asking for the CCA S77 (which goes to Cabot) and also the CPR which would go to Mortimer (Please shout if that's wrong)
Would there be any use in writing to Halifax, (at my Bank Address?) and if so would that be the SAR I saw mentioned in another post - Or am I past this step, and it is too late?
Sorry if I'm jumping ahead of how things work here, please tell me to slow down if that's the case
Thanks very much in advance
PR
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