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Hi
on 16th I received a CCJ claim form - the claimant being Cabot with Mortimer operating on their behalf.
Background
Took out a hire purchase in 2007 with BCT, things were okay till I fell ill in 2009 and left my employment. payments were inconsistent and I was struggling to clear the arrears.
Received charges here and there, then in Nov 09 received a notice of termination however I was still communicating with BCT and making payments I could afford trying to clear arrears etc, in Jan and April received default notices and decided to return the vehicle.
Still in communication with BCT from 2010 - 2013 however couldn't afford the payments and no official agreement was made, then in 2013 August BCT agreed to me paying £5 per month - I was sent a schedule of payments from 2013 - 2197 I was given account details for me to pay by standing order which I committed to and have been paying ever since.
Turns out my account was sold. no notice ever received of this.
I had received a few letters from Cabot last year before I moved home. I did call them in 2014 to ask what the letter was about and was told I need to pay them for BCT account but they wouldn't give me any further information as I had not confirmed my details. I never took things further with them and just continued with my payments - looking back I should of followed this up with BCT as now when I try to call them the line as an engaged tone and you don't get through to anyone. I have no idea where my payments are going to - concerned about that.
I spoke to the solicitors this week and they stated Cabot bought the account ( no date given) and that BCT have not had my account since 2010, which is confusing.
I aim to acknowledge service asap however not sure whether I opt for partial defence or full defence - what is the difference? what would I be required to do? wondering whether I have anything to really go on.
In terms of the CCA and CPR, can I use the templates found in the forum for claims - would I need to amend them in certain areas or should I just use them as they are and fill in the gaps?
Would really appreciate some guidance on this.
on 16th I received a CCJ claim form - the claimant being Cabot with Mortimer operating on their behalf.
Background
Took out a hire purchase in 2007 with BCT, things were okay till I fell ill in 2009 and left my employment. payments were inconsistent and I was struggling to clear the arrears.
Received charges here and there, then in Nov 09 received a notice of termination however I was still communicating with BCT and making payments I could afford trying to clear arrears etc, in Jan and April received default notices and decided to return the vehicle.
Still in communication with BCT from 2010 - 2013 however couldn't afford the payments and no official agreement was made, then in 2013 August BCT agreed to me paying £5 per month - I was sent a schedule of payments from 2013 - 2197 I was given account details for me to pay by standing order which I committed to and have been paying ever since.
Turns out my account was sold. no notice ever received of this.
I had received a few letters from Cabot last year before I moved home. I did call them in 2014 to ask what the letter was about and was told I need to pay them for BCT account but they wouldn't give me any further information as I had not confirmed my details. I never took things further with them and just continued with my payments - looking back I should of followed this up with BCT as now when I try to call them the line as an engaged tone and you don't get through to anyone. I have no idea where my payments are going to - concerned about that.
I spoke to the solicitors this week and they stated Cabot bought the account ( no date given) and that BCT have not had my account since 2010, which is confusing.
I aim to acknowledge service asap however not sure whether I opt for partial defence or full defence - what is the difference? what would I be required to do? wondering whether I have anything to really go on.
In terms of the CCA and CPR, can I use the templates found in the forum for claims - would I need to amend them in certain areas or should I just use them as they are and fill in the gaps?
Would really appreciate some guidance on this.
