Court Claim - Cabot Financial / Bank of Scotland (Aqua Card) - 6-3-2015

[SBF79]

Received a claim? Yes
Issue Date: 6-3-2015
Amount approx: £4391.60
Claimant: Cabot Financial
Solicitor: Restons
Original Credit: Bank of Scotland (Aqua Card)

Particulars of Claim:
The claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and Bank of Scotland (Aqua Card) dated on or about Jun 01 2005 and assigned to the Claimant on Jul 25 2011

Particulars a/c no xxxxxxxxxxxxxx

DATE ITEM VALUE
09/02/2015 Default Balance 4391.60
Post Refrl Cr NIL

TOTAL 4391.60

Stat Barred? Yes

Have sent:

Other Info:
I sent a letter to Restons asking to prove the debt belongs to me by requesting a signed copy of the agreement. I didn't sign the letter as advised on MSE and they replied in a letter dated 4th March 2015 saying they would not continue communicating with me without a signed letter.

Before even getting a chance to respond 2 days later they filed a claim with the court.

[Nibbler]

Re: Court Claim - Cabot Financial / Bank of Scotland (Aqua Card) - 6-3-2015

So for clarity, did you ever have an Aqua card?

[Streetwise]

Re: Court Claim - Cabot Financial / Bank of Scotland (Aqua Card) - 6-3-2015

Received a claim? Yes
Issue Date: 6-3-2015
Amount approx: £4391.60
Claimant: Cabot Financial
Solicitor: Restons
Original Credit: Bank of Scotland (Aqua Card)

Particulars of Claim:
The claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and Bank of Scotland (Aqua Card) dated on or about Jun 01 2005 and assigned to the Claimant on Jul 25 2011

Particulars a/c no xxxxxxxxxxxxxx

DATE ITEM VALUE
09/02/2015 Default Balance 4391.60
Post Refrl Cr NIL

TOTAL 4391.60

Stat Barred? Yes

Have sent:

Other Info:
I sent a letter to Restons asking to prove the debt belongs to me by requesting a signed copy of the agreement. I didn't sign the letter as advised on MSE and they replied in a letter dated 4th March 2015 saying they would not continue communicating with me without a signed letter.

Before even getting a chance to respond 2 days later they filed a claim with the court.

If you are sure its SB defend in full,SB is a full defense.

[SBF79]

Re: Court Claim - Cabot Financial / Bank of Scotland (Aqua Card) - 6-3-2015

I'm currently completing the Acknowledgement of Service online form and want to know what do I check on 'Contest Jurisdiction' You can choose to contest jurisdiction of the claim made against you. Do I tick it or leave it?

[Amethyst]

Re: Court Claim - Cabot Financial / Bank of Scotland (Aqua Card) - 6-3-2015

leave it

[SBF79]

Re: Court Claim - Cabot Financial / Bank of Scotland (Aqua Card) - 6-3-2015

Update

I sent off the postal order to Cabot and sent off a letter to Restons after receiving the claim. I haven't heard from Restons since the claim was issued. Cabot responded within the 12 days stating it would take up to 40 days to send me the signed agreement.

I received that this weekend. A copy of the agreement with my signature and the statement of the credit card from Aqua. It actually turns out I was wrong. I can hold my hands up to it and it actually wasn't statute barred as I thought. My last payment was 5 years ago and not 6 like I had thought. So it's not SB.

I have 14 days to contact Cabot to work out a payment plan with Cabot before they go the CCJ route. My concern is the payment plan as I'm a single unemployed mother on income support and can't afford to pay much at all. I'm just concerned it's going to go into a back n forth with them refusing anything I offer to pay.

I'm guessing they'll want to see and income/expenditures from me which I have no problem in providing. I just want to know the correct way to handle this next step. BTW I won't be calling Cabot I will be doing all of my correspondence with them in writing.

[SBF79]

Re: Court Claim - Cabot Financial / Bank of Scotland (Aqua Card) - 6-3-2015

Can anyone help with my last post please?

[Streetwise]

Re: Court Claim - Cabot Financial / Bank of Scotland (Aqua Card) - 6-3-2015

Update

I sent off the postal order to Cabot and sent off a letter to Restons after receiving the claim. I haven't heard from Restons since the claim was issued. Cabot responded within the 12 days stating it would take up to 40 days to send me the signed agreement.

I received that this weekend. A copy of the agreement with my signature and the statement of the credit card from Aqua. It actually turns out I was wrong. I can hold my hands up to it and it actually wasn't statute barred as I thought. My last payment was 5 years ago and not 6 like I had thought. So it's not SB.

I have 14 days to contact Cabot to work out a payment plan with Cabot before they go the CCJ route. My concern is the payment plan as I'm a single unemployed mother on income support and can't afford to pay much at all. I'm just concerned it's going to go into a back n forth with them refusing anything I offer to pay.

I'm guessing they'll want to see and income/expenditures from me which I have no problem in providing. I just want to know the correct way to handle this next step. BTW I won't be calling Cabot I will be doing all of my correspondence with them in writing.

Any chance that you live in Scotland.????

[SBF79]

Re: Court Claim - Cabot Financial / Bank of Scotland (Aqua Card) - 6-3-2015

No I live in London.