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Received a claim? Yes
Issue Date: 5-2-2016
Amount approx: 1329.22
Claimant: CABOT Financial (UK) Ltd
Solicitor: Mortimer Clarke Solicitors LTD
Original Credit: Capital One
Showing on Credit File: Yes
Particulars of Claim:
By an agreement between Capital One & the Defendant on or around 11/11/2004 ('the Agreement') Capital One agreed to issue the Defendant with a credit card. The Defendant failed to make the minimum payments due & the Agreement was terminated. The Agreement was assigned to the Claimant. THE CLAIMANT THEREFORE CLAIMS 1179.22
Stat Barred? No
Have sent: AOS Submitted (10/02/16)
CCA request to Cabot and CPR 31.14 to Mortimer Clarke. Inc blank postal orders. Using LB templates.
Other Info:
I would like to defend myself against this claim. Whilst I have a multiple credit card defaults from June 2011, I don't recognise this as being one of them based on the information received in claim.
Even if this debt turned out to be mine I am wary that the other DCA's may put forth CCJ claims before the debts become SB. My point being, in my current financial situation I could pay this debt, but, I won't be able to pay the others too if they come hunting. Therefore I would be reluctant to pay this debt as the end result will be the same if any of the other creditors gain a CCJ against me in the near future.
Was tempted to ignore the whole thing and live with whatever CCJ's come my way. But have decided to give it a go. Feel I should challenge this claim and hope the others become SB in due course.
NOA letter received from both Capital One and Cabot dated 15 Oct '15 stating Cabot bought acc on 24th Sept '15.
Any step by step advice would be hugely appreciated.
Issue Date: 5-2-2016
Amount approx: 1329.22
Claimant: CABOT Financial (UK) Ltd
Solicitor: Mortimer Clarke Solicitors LTD
Original Credit: Capital One
Showing on Credit File: Yes
Particulars of Claim:
By an agreement between Capital One & the Defendant on or around 11/11/2004 ('the Agreement') Capital One agreed to issue the Defendant with a credit card. The Defendant failed to make the minimum payments due & the Agreement was terminated. The Agreement was assigned to the Claimant. THE CLAIMANT THEREFORE CLAIMS 1179.22
Stat Barred? No
Have sent: AOS Submitted (10/02/16)
CCA request to Cabot and CPR 31.14 to Mortimer Clarke. Inc blank postal orders. Using LB templates.
Other Info:
I would like to defend myself against this claim. Whilst I have a multiple credit card defaults from June 2011, I don't recognise this as being one of them based on the information received in claim.
Even if this debt turned out to be mine I am wary that the other DCA's may put forth CCJ claims before the debts become SB. My point being, in my current financial situation I could pay this debt, but, I won't be able to pay the others too if they come hunting. Therefore I would be reluctant to pay this debt as the end result will be the same if any of the other creditors gain a CCJ against me in the near future.
Was tempted to ignore the whole thing and live with whatever CCJ's come my way. But have decided to give it a go. Feel I should challenge this claim and hope the others become SB in due course.
NOA letter received from both Capital One and Cabot dated 15 Oct '15 stating Cabot bought acc on 24th Sept '15.
Any step by step advice would be hugely appreciated.
xx
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