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Received a claim? Yes
Issue Date: 16/12/2014
Date of papers received: 19/12/2014
Amount approx: £5400
Claimant: Cabot Financial (UK) Limited
Solicitor: Restons Solicitors Limited - Nigel Petrie Coe
Original Credit: MBNA
Particulars of Claim:
The claimants claims payment of the overdue balance due from the Defendant(s) under a contract between Defendant(s) and Mbna dated on or about Jan 24 2002 and assigned to Claimant on Apr 28 2004 in the sum of £5400
PARTICULARS a/c no **********
DATE 28/11/2014
Default Balance £5400
Post Refrl Cr NIL
TOTAL £5400
The claimant believes that the facts stated in this claim form are true and I am duly authorised by the claimant to sign this statement
SIGNED Nigel Petrie Coe (Claimant)
Stat Barred? NEARLY - my last payment to Cabot was a token payment for £1.00 on 28 May 2010
.................................................. .................................................. .................................................. .................................................. ..
Hi Guys & Girls
A very quick history is :
Bad fortune and loss of job in the early 2000s got me into a £50k+ pickle with my finances
Token payments of £1.00 were made on accounts from 2003 through to 2010 and kept things at bay.
100s of various different letters received with threats and movement across different DCAs
I realised in 2010 nothing was ever going to get sorted so I chose to ignore all creditors and stopped paying anything at all to anyone.
Waiting to get things statue barred after 6 years with no payment would be a better option
This is the first CCJ papers i have received and im very surprised after such low payments on the account and zero payments since May 2010
These court papers arrived on Friday 19th and over the weekend i have been reading researching and noting points downs on the forum. Whilst it is new ground for me I realise i cannot just ignore these papers and need to take action
For those with experience, Am i correct with doing the following process to follow from now ??
Lastly, as newly all of my debts are all nearing statute barred stage in by June 2016 can i expect more of the following CCJ claims over this time ?
Since i signed my agreement with MBNA and NOT this firm Cabot Financial I am correct, I am within my rights to contest this claim, i refute having to pay Cabot given this is not what i borrowed. They have added all their additional charges, interest, court fees & solicitors costs to the original debt.
Any help guidance would be most appreciate and set my mind at ease - certainly not good timing this arriving at this time of year
Best wishes & grateful thanks to all who have read this and responding
Issue Date: 16/12/2014
Date of papers received: 19/12/2014
Amount approx: £5400
Claimant: Cabot Financial (UK) Limited
Solicitor: Restons Solicitors Limited - Nigel Petrie Coe
Original Credit: MBNA
Particulars of Claim:
The claimants claims payment of the overdue balance due from the Defendant(s) under a contract between Defendant(s) and Mbna dated on or about Jan 24 2002 and assigned to Claimant on Apr 28 2004 in the sum of £5400
PARTICULARS a/c no **********
DATE 28/11/2014
Default Balance £5400
Post Refrl Cr NIL
TOTAL £5400
The claimant believes that the facts stated in this claim form are true and I am duly authorised by the claimant to sign this statement
SIGNED Nigel Petrie Coe (Claimant)
Stat Barred? NEARLY - my last payment to Cabot was a token payment for £1.00 on 28 May 2010
.................................................. .................................................. .................................................. .................................................. ..
Hi Guys & Girls
A very quick history is :
Bad fortune and loss of job in the early 2000s got me into a £50k+ pickle with my finances
Token payments of £1.00 were made on accounts from 2003 through to 2010 and kept things at bay.
100s of various different letters received with threats and movement across different DCAs
I realised in 2010 nothing was ever going to get sorted so I chose to ignore all creditors and stopped paying anything at all to anyone.
Waiting to get things statue barred after 6 years with no payment would be a better option
This is the first CCJ papers i have received and im very surprised after such low payments on the account and zero payments since May 2010
These court papers arrived on Friday 19th and over the weekend i have been reading researching and noting points downs on the forum. Whilst it is new ground for me I realise i cannot just ignore these papers and need to take action
For those with experience, Am i correct with doing the following process to follow from now ??
- Acknowledge the Court Claim and request extension for 28 days to prepare a defense given the time of year with Christmas, Bank Holidays and New Year
- State to Restons I intend to defend the case in full
- Send a CCA request record Delivery tomorrow 1st class post
- Send a CPR 31.14 request
Lastly, as newly all of my debts are all nearing statute barred stage in by June 2016 can i expect more of the following CCJ claims over this time ?
Since i signed my agreement with MBNA and NOT this firm Cabot Financial I am correct, I am within my rights to contest this claim, i refute having to pay Cabot given this is not what i borrowed. They have added all their additional charges, interest, court fees & solicitors costs to the original debt.
Any help guidance would be most appreciate and set my mind at ease - certainly not good timing this arriving at this time of year
Best wishes & grateful thanks to all who have read this and responding
xx
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