cabot court claim

[nemesis45]

Re: cabot court claim

So relieved!!

Cabot letter stated they need 40 days to retrieve the information from vanquis. So I'm assuming if they do not provide this in the time scale there's nothing they can do ?!

Also sending everything at the last minute surely proves they're struggling.

Will I receive a letter from the court once they have looked at my defence?

The claimant has 28 days to respond to your defence form the date they receive a copy from the court.

If they don't respond within that limit the court will stay the claim, please note you Will Not be informed
if this happens, so just after the 28 days expires you need to phone the court and check to see if the claim
is stayed.

nem

[Aquarius23]

Re: cabot court claim

Hi all!
Received a letter from Cabot today. Letter reads...

Please find enclosed all the relevant information following your request for information under section (77-78) of the consumer credit act 1974.

We consider the agreement is now enforceable and therefore we are entitled to obtain a county court judgement against you. However, we would prefer that you work with us to set up a repayment plan to settle your outstanding balance.

The outstanding balance is £xxx.xx. Please make contact as soon as possible to discuss the options available to you in order to settle this account.

There is another letter which reads.....

Dear Miss xxxxxxx

" statement of account"

This statement is prepared in compliance with section 78 of the consumer credit act 1974.

At the date of this letter Cabot confirms that:
• your account has an outstanding balance of £xxx.xx
•the amount you are required to pay to Cabot is £xxx.xx
•you are not able to draw further on this account.

Existing payment arrangements

Where you have an existing repayment arrangement with us, we shall continue to honour and regularly review this unless you miss your payments. Please note that the repayment arrangement does not affect, modify or vary the original terms of the credit agreement, we have just relaxed them to assist you with your current financial circumstances.

They have also enclosed a signed agreement by myself dated 02/06/2007.

What do I do now??

[nemesis45]

Re: cabot court claim

Hi all!
Received a letter from Cabot today. Letter reads...

Please find enclosed all the relevant information following your request for information under section (77-78) of the consumer credit act 1974.

We consider the agreement is now enforceable and therefore we are entitled to obtain a county court judgement against you. However, we would prefer that you work with us to set up a repayment plan to settle your outstanding balance.

The outstanding balance is £xxx.xx. Please make contact as soon as possible to discuss the options available to you in order to settle this account.

There is another letter which reads.....

Dear Miss xxxxxxx

" statement of account"

This statement is prepared in compliance with section 78 of the consumer credit act 1974.

At the date of this letter Cabot confirms that:
• your account has an outstanding balance of £xxx.xx
•the amount you are required to pay to Cabot is £xxx.xx
•you are not able to draw further on this account.

Existing payment arrangements

Where you have an existing repayment arrangement with us, we shall continue to honour and regularly review this unless you miss your payments. Please note that the repayment arrangement does not affect, modify or vary the original terms of the credit agreement, we have just relaxed them to assist you with your current financial circumstances.

They have also enclosed a signed agreement by myself dated 02/06/2007.

What do I do now??

please let us see the agreement, does it have all the terms and conditions?

When was the last payment made to this debt?

nem

[Aquarius23]

Re: cabot court claim



- - - Updated - - -



- - - Updated - - -

I honestly cannot remember the last payment,if any

[nemesis45]

Re: cabot court claim

- - - Updated - - -



- - - Updated - - -

I honestly cannot remember the last payment,if any

Is the debt your credit files? If you haven't check try Noddle it's free online.

nem

[Aquarius23]

Re: cabot court claim

I did look on another credit site and couldn't see it but will double check and get to you.

[nemesis45]

Re: cabot court claim

I did look on another credit site and couldn't see it but will double check and get to you.

Ok thanks!

nem

[Aquarius23]

Re: cabot court claim

Ok so I've checked and there is nothing on my credit file

- - - Updated - - -

Sorry! I meant nothing regarding Cabot or vanquis

[nemesis45]

Re: cabot court claim

Ok so I've checked and there is nothing on my credit file

- - - Updated - - -

Sorry! I meant nothing regarding Cabot or vanquis

Have you in the last 6 years made any payment (s) or written acknowledgment in regard to the alleged debt?

nem

[Aquarius23]

Re: cabot court claim

Not that I can recall. If I had then surely they would have provided this. But I really don't remember. I definitely have not revived or paid anything in the last 2 years for definate! As for the 4 years before that j wouldn't know

[Aquarius23]

Re: cabot court claim

So, do I have to pay them now?

[Aquarius23]

Re: cabot court claim

Can anyone please advise what I should do next?

[Kati]

Re: cabot court claim

[MENTION=55034]nemesis45[/MENTION] :bump: xx

[nemesis45]

Re: cabot court claim

@nemesis45 :bump: xx

Got it Kati

[nemesis45]

Re: cabot court claim

Can anyone please advise what I should do next?

Hi no more contact from Cabot?
We still really need to se that alleged agreement if we are going to be able to help you further.
I'm sure [MENTION=49370]Kati[/MENTION] would help if you have problems posting it here.

nem

nem