Tweet
Received a claim? Yes
Issue Date: 27-6-2014
Amount approx: 1500
Claimant: Cabot Financial (UK) Ltd
Solicitor: Mortimer Clarke Solicitors
Original Credit: Littlewoods Finance Company Ltd
Particulars of Claim:
By an agreement between Littlewoods Finance Company Ltd
("LITW") & the defendant dated 14/10/2004 ("the agreement") LITW agreed to issue the Defendant with a store card upon the terms & conditions set out therein. In breach of the Agreement the Defendant failed to make the minimum payments Due & the Agreement was terminated. The Agreement was assigned to the claimant on 22/04/2009. The Claimant has complied with Sections III & IV of Practice Direction
-Pre Action Conduct:
THE CLAIMANT THEREFORE CLAIMS
1. £1359.29
Stat Barred? No
Have sent: Acknowledged the Claim
Other Info:
Hi, hope i'm posting to the right place i'm not familiar with forums. I desperately need some advice, I think I may have done the wrong thing but not sure so here goes (its a bit lengthy). Back in 2004 I had a catalogue account. I failed to keep up with repayments after my separation from my husband. After seeking advice from the C.A.B. I sent a letter to Littlewoods explaining my situation and asking them to freeze interest charges for short period until I could make repayments again. I never heard back from them. I repeated this process again and still never received a reply. Instead I got a demand with added interest. I do not know how much the orginal debt was for. Evenutally I receieved a letter from Cabot which I ignored at first. Next without any warning I was visited at my house by a man with an identity card claiming he was from Cabot. Clueless, I agreed to speak to him in my home. I think this was in 2009. He purposed a settlement fee of £600 and I agreed. He arranged with me to come back a few days later with documents and take payment. A family member lent the money to me and a few days later this guy come back. Whilst here he made a phone call and then told me my offer had been declined and they wanted more (assuming he was talking to Cabot). I refused and said this was not what we agreed. Then when I asked for documents he didn't have any. it all seemed very strange and I asked him to leave. I never paid any money in the end thankfully, I started to think I'd nearly been scammed. I didn't hear another thing until recently, I receive a letter from Mortimer Clarke Solicitors with a threat of action on behalf of Cabot. I ignored this letter then a few weeks later I receive a court claim for £1509.29. Again I went to C.A.B but I didn't find there advice every helpful. I resorted in acknowledging the claim and responded by admitting part of the claim (£600) I really didn't know what else to do (wish I had discovered LegalBeagles sooner). Since reading this website and other experiences I now know I should have sent requests and put in a defence. For months after this again I have heard nothing from Cabot or Mortimer. Then last week I receive a letter from Mortimer saying if I forward them my medical records there client will except my offer of repayment. What???? These people are bonkers. I have 14 days to respond and am not sure how to do so? I don't believe they have followed the correct procedures and also wonder if this is statute barred in the first place...PLEASE HELP!!!!!
Issue Date: 27-6-2014
Amount approx: 1500
Claimant: Cabot Financial (UK) Ltd
Solicitor: Mortimer Clarke Solicitors
Original Credit: Littlewoods Finance Company Ltd
Particulars of Claim:
By an agreement between Littlewoods Finance Company Ltd
("LITW") & the defendant dated 14/10/2004 ("the agreement") LITW agreed to issue the Defendant with a store card upon the terms & conditions set out therein. In breach of the Agreement the Defendant failed to make the minimum payments Due & the Agreement was terminated. The Agreement was assigned to the claimant on 22/04/2009. The Claimant has complied with Sections III & IV of Practice Direction
-Pre Action Conduct:
THE CLAIMANT THEREFORE CLAIMS
1. £1359.29
Stat Barred? No
Have sent: Acknowledged the Claim
Other Info:
Hi, hope i'm posting to the right place i'm not familiar with forums. I desperately need some advice, I think I may have done the wrong thing but not sure so here goes (its a bit lengthy). Back in 2004 I had a catalogue account. I failed to keep up with repayments after my separation from my husband. After seeking advice from the C.A.B. I sent a letter to Littlewoods explaining my situation and asking them to freeze interest charges for short period until I could make repayments again. I never heard back from them. I repeated this process again and still never received a reply. Instead I got a demand with added interest. I do not know how much the orginal debt was for. Evenutally I receieved a letter from Cabot which I ignored at first. Next without any warning I was visited at my house by a man with an identity card claiming he was from Cabot. Clueless, I agreed to speak to him in my home. I think this was in 2009. He purposed a settlement fee of £600 and I agreed. He arranged with me to come back a few days later with documents and take payment. A family member lent the money to me and a few days later this guy come back. Whilst here he made a phone call and then told me my offer had been declined and they wanted more (assuming he was talking to Cabot). I refused and said this was not what we agreed. Then when I asked for documents he didn't have any. it all seemed very strange and I asked him to leave. I never paid any money in the end thankfully, I started to think I'd nearly been scammed. I didn't hear another thing until recently, I receive a letter from Mortimer Clarke Solicitors with a threat of action on behalf of Cabot. I ignored this letter then a few weeks later I receive a court claim for £1509.29. Again I went to C.A.B but I didn't find there advice every helpful. I resorted in acknowledging the claim and responded by admitting part of the claim (£600) I really didn't know what else to do (wish I had discovered LegalBeagles sooner). Since reading this website and other experiences I now know I should have sent requests and put in a defence. For months after this again I have heard nothing from Cabot or Mortimer. Then last week I receive a letter from Mortimer saying if I forward them my medical records there client will except my offer of repayment. What???? These people are bonkers. I have 14 days to respond and am not sure how to do so? I don't believe they have followed the correct procedures and also wonder if this is statute barred in the first place...PLEASE HELP!!!!!
I'm just having a read through your post now so back in a tick xxx Sharon xxx
Comment