Tweet
Hi, I have received a claim form from Cabot Financial, sent through Weightmans. They are trying to claim £6328.17 for an old hire purchase agreement I had with British Credit Trust. I bought a car in May 2008 for £6000, HP was set-up with British Credit Trust, total owing was approx £13,000. A year later I was made redundant and started to struggle with the payments (£270 per month). I asked for their help but they were not very helpful and I just paid what I could afford. This went on until 2011 when they took the car back. During this period British Credit Trust stopped lending and is now run by Capquest. As I had paid more than 50% of the loan as far as I was concerned the account closed, but they continued on a few occasions to chase me for the outstanding balance. I wrote to BC stating that the car had been returned and that I had paid more than 50% of the balance nothing else was owed. The next I knew was in 2013 when I received a letter from Cabot Financial stating that they had bought the account. I explained the situation to them and they put the account on hold and said they would get in contact with BC to see what was going on. They then claimed that BC knew nothing about my letter and continued to hassle me for the balance. It then transferred to Weightmans, who sent a letter asking for the balance. I wrote back to Cabot and didn't hear nothing until I received the Claim form on 1st May 2015.
Unfortunately I have had to deal with a claim form last year, which I successfully defended and plan to do the same for this one. Do I send the standard two letters, a CCA request to Cabot and a CPR 31:14 to Weightmans?
Any other helpful advice would be appreciated as always. Thanks.
Unfortunately I have had to deal with a claim form last year, which I successfully defended and plan to do the same for this one. Do I send the standard two letters, a CCA request to Cabot and a CPR 31:14 to Weightmans?
Any other helpful advice would be appreciated as always. Thanks.
Comment