Tweet
Received a claim? Yes
Issue Date: 4-2-2015
Amount approx: £424.73
Claimant: Cabot Finacial UK Limited
Solicitor: Weightmans LLP
Original Credit: Capital One
Particulars of Claim:
1. The defendant entered into a credit agreement described by the original creditor as Capitla One - Credit card and having account number XXXXXXXXXXXXXXXX ('theaccount')
2. The claimant, a UK limited company with company number 3757424 is the assignee and legal owner of all rights previously enjoyed by the original creditor in respect of the account.
3. The defendant is indebted to the claimant in respect of the account in the sum of 339.73
4. The claimant claims the said sum of 339.73, plus costs
Stat Barred? Maybe (pretty sure it is).
Have sent: Acknowledged the Claim, CPR letter, CCA letter.
Other Info:
I perhaps think the dept should be statute barred despite now receiving a Claim for the dept (although i don't fully understand this and may be wrong), having checked my credit file it reads that the account is with Cabot (not Capital One) and has a start date of 03/04/2008 with a default date of 20/04/2009: i am 100% certain no payments got made on this to Cabot ever during 2008 and onwards (nor have i ever contacted them acknowledging the debt with them) - the only times i paid any of the debt was when it was with Capital One and this was during mid 2008 until no later than June.
I really don't know how to proceed with this and had almost sent of the Admission form with an offer of payment via instalments, but after finding this site, reading up on things and checking my credit file and noticing the dates etc - i think i might not have to pay it and that it should be stat barred now and would like some help in trying to avoid action against me.
Issue Date: 4-2-2015
Amount approx: £424.73
Claimant: Cabot Finacial UK Limited
Solicitor: Weightmans LLP
Original Credit: Capital One
Particulars of Claim:
1. The defendant entered into a credit agreement described by the original creditor as Capitla One - Credit card and having account number XXXXXXXXXXXXXXXX ('theaccount')
2. The claimant, a UK limited company with company number 3757424 is the assignee and legal owner of all rights previously enjoyed by the original creditor in respect of the account.
3. The defendant is indebted to the claimant in respect of the account in the sum of 339.73
4. The claimant claims the said sum of 339.73, plus costs
Stat Barred? Maybe (pretty sure it is).
Have sent: Acknowledged the Claim, CPR letter, CCA letter.
Other Info:
I perhaps think the dept should be statute barred despite now receiving a Claim for the dept (although i don't fully understand this and may be wrong), having checked my credit file it reads that the account is with Cabot (not Capital One) and has a start date of 03/04/2008 with a default date of 20/04/2009: i am 100% certain no payments got made on this to Cabot ever during 2008 and onwards (nor have i ever contacted them acknowledging the debt with them) - the only times i paid any of the debt was when it was with Capital One and this was during mid 2008 until no later than June.
I really don't know how to proceed with this and had almost sent of the Admission form with an offer of payment via instalments, but after finding this site, reading up on things and checking my credit file and noticing the dates etc - i think i might not have to pay it and that it should be stat barred now and would like some help in trying to avoid action against me.
however, you do need to chase up the CPR request which they should have replied to in 7 days. If they can't supply the documents, ask the solicitors to agree to a 28 day extension which is the maximum allowed under CPR 15.5. :thumb:
Comment