CCJ Recieved Cabot finance, Mortimer Clarke Solicitor

[khadkabin]

Hi Fellow members of the forum,
I am need of help and support. Recieved a CCJ Claim form yesterday by Moritimer Clarke Solicitor. on behalf of Cabot. The debt seems to be pretty old and maybe dates back to my student days when i was having financial difficulties.

I am not sure if the claim is SB. The claimed amount is 1255 plus 150 fees. I am absolutely broke right now to even pay anything towards it. Could anyone suggest.

Thanks

[baufang]

Re: CCJ Recieved Cabot finance, Mortimer Clarke Solicitor

Hi, please read the stickies on the procedures required. You have to register with Money Claim Online (MCOL) to set your defence. You then have to send MCS a CPR request for information on this debt (plenty of templates to copy from here) SEND RECORDED DELIVERY and a SAR request (template) to the Credit Card or Bank. Both will require postal orders. Mostly as you will see from the Forums Cabot/MCS are basically fishing/scare-mongering in the hope you'll pay up. You do have to follow procedures in any case . Good Luck

[MIKE770]

Re: CCJ Recieved Cabot finance, Mortimer Clarke Solicitor

give more info/history, last payment etc etc etc

[khadkabin]

Re: CCJ Recieved Cabot finance, Mortimer Clarke Solicitor

give more info/history, last payment etc etc etc

The details as below
ISSUE DATE : 11 JAN 2016
COUNTY COURT BUSINESS CENTRE, NORTHAMPTON
CLAIMANT : Cabot Financial
SOLICITORS: Mortimer Clarke Solicitors

PARTICULARS OF CLAIM
By an agreement between Capital One & the Defendant on or around 31/07/2008 ('the Agreement') Capital One agreed to issue the Defendant with a credit card. The Defendant failed to make the make the minimum payments due & the Agreement was terminated. The Agreement was signed to the Claimant. THE CLAIMANT THEREFORE CLAIMS 1255.65.

AMOUNT CLAIMED 1255.65
COURT FEE ; 70
LEGAL FEE : 80
TOTAL AMOUNT ; 1405.65

Acknowledgement of service: YES (16/01/2016), DEFEND ALL PARTS OF CLAIM
CCA REQUEST TO CABOT : LETTER DRAFTED
CPR REQUEST TO MORTIMER: LETTER DRAFTED

Thanks

[MIKE770]

Re: CCJ Recieved Cabot finance, Mortimer Clarke Solicitor

Date of last payment or acknowledgment of debt would help, default notice date etc

- - - Updated - - -
[MENTION=1937]nemisis[/MENTION]45

[MIKE770]

Re: CCJ Recieved Cabot finance, Mortimer Clarke Solicitor

CCA REQUEST TO CABOT : LETTER DRAFTED == £1.00 P.O. signed on back for CCA purposes only send Recorded Delivery
CPR REQUEST TO MORTIMER: LETTER DRAFTED no fee send direct to them RECORDED DELIVERY


get them off, I have asked Nemisis45 to look in for you

[nemesis45]

Re: CCJ Recieved Cabot finance, Mortimer Clarke Solicitor

The details as below
ISSUE DATE : 11 JAN 2016
COUNTY COURT BUSINESS CENTRE, NORTHAMPTON
CLAIMANT : Cabot Financial
SOLICITORS: Mortimer Clarke Solicitors

PARTICULARS OF CLAIM
By an agreement between Capital One & the Defendant on or around 31/07/2008 ('the Agreement') Capital One agreed to issue the Defendant with a credit card. The Defendant failed to make the make the minimum payments due & the Agreement was terminated. The Agreement was signed to the Claimant. THE CLAIMANT THEREFORE CLAIMS 1255.65.

AMOUNT CLAIMED 1255.65
COURT FEE ; 70
LEGAL FEE : 80
TOTAL AMOUNT ; 1405.65

Acknowledgement of service: YES (16/01/2016), DEFEND ALL PARTS OF CLAIM
CCA REQUEST TO CABOT : LETTER DRAFTED
CPR REQUEST TO MORTIMER: LETTER DRAFTED

Thanks

Good afternoon, welcome to LB
as Mike has said above some details please.

1. What is the default date on your credit files? You can check Noddle Free Online.

2. When did you make te last payment and / Or written acknowledgment of the debt?

What did you request via CPR 31.14? The agreement, the notice of assignment, notice
of termination?

Send the requests by signed for post Cabot has 12 + 2 Working Days to comply with the
CCA request, time starts the day they receive it so check the delivery date and keep a note.

nem

[khadkabin]

Re: CCJ Recieved Cabot finance, Mortimer Clarke Solicitor

Good afternoon, welcome to LB
as Mike has said above some details please.

1. What is the default date on your credit files? You can check Noddle Free Online.

2. When did you make te last payment and / Or written acknowledgment of the debt?

What did you request via CPR 31.14? The agreement, the notice of assignment, notice
of termination?

Send the requests by signed for post Cabot has 12 + 2 Working Days to comply with the
CCA request, time starts the day they receive it so check the delivery date and keep a note.

nem

Hi,
Just checked the dates,
The default on credit file says sept 2010.
the last payment was made on July 2010
In the CPR i requested the agreement only
I will post them tomorrow

Thanks

[nemesis45]

Re: CCJ Recieved Cabot finance, Mortimer Clarke Solicitor

Hi,
Just checked the dates,
The default on credit file says sept 2010.
the last payment was made on July 2010
In the CPR i requested the agreement only
I will post them tomorrow

Thanks

Ask also for the notice of assignment and termination notice with CPR.

nem

[khadkabin]

Re: CCJ Recieved Cabot finance, Mortimer Clarke Solicitor

Ask also for the notice of assignment and termination notice with CPR.

nem

Thanks a lot
I have added notice of assignment and Termination notice.

While going through the credit file i have notice another credit card account which have no info at all. would you be able to assit?

Thanking you in advance

[nemesis45]

Re: CCJ Recieved Cabot finance, Mortimer Clarke Solicitor

Thanks a lot
I have added notice of assignment and Termination notice.

While going through the credit file i have notice another credit card account which have no info at all. would you be able to assit?

Thanking you in advance

Certainly put a redacted screen print of the file entry up an I'll see what I can make of it.

nem

- - - Updated - - -

Thanks a lot
I have added notice of assignment and Termination notice.

While going through the credit file i have notice another credit card account which have no info at all. would you be able to assit?

Thanking you in advance

Certainly put a redacted screen print of the file entry up an I'll see what I can make of it.

nem

[khadkabin]

Re: CCJ Recieved Cabot finance, Mortimer Clarke Solicitor

I have attached in the post

thanks

[nemesis45]

Re: CCJ Recieved Cabot finance, Mortimer Clarke Solicitor

I have attached in the post

thanks

Ok, which company show as the owner now?
The update in 2012 I suspect is when the account was sold.

nem

[khadkabin]

Re: CCJ Recieved Cabot finance, Mortimer Clarke Solicitor

Ok, which company show as the owner now?
The update in 2012 I suspect is when the account was sold.

nem

It says credit card from Lowell Portfolio.

I dont think i paid anything to anyone in 2012. Its should have been the same as Capital one.


Thanks

[nemesis45]

Re: CCJ Recieved Cabot finance, Mortimer Clarke Solicitor

It says credit card from Lowell Portfolio.

I dont think i paid anything to anyone in 2012. Its should have been the same as Capital one.


Thanks

OK Lowell another debt purchaser.

Any Contact yet?

nem