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Hi I have received 2 claim forms from restons and drydens for old capital one debts now owned by cabot.
claim 1 from restons- issue date 05/02/16
claim 2 from drydens-issue date 08/02/16
particulars of claim
1. The claimant claims payment of the overdue balance due from the defendant under a contract between the defendant and capital one dated on or about jul 26 2000 and assigned to the claimant on sep 28 2015
ac no. ********
date item value
15/01/2016 default balance 749.21
2. the claimants claim is for the sum of £406.21 under an agreement regulated by the consumer credit act 1974, between the defendant and capital one.
acc no. **** and assigned to the claimant on 28/09/2015, notice of which has been provided to the defendant. the defendant has failed to make payment in accordance with the terms of the agreement despite requests for such.
so I have acknowleged service and believe I have until 9/3/16 and 12/3/16 to file defence? is this right?
so far ive gone it alone using the information already available here. ive sent a cca request to cabbot for both and a cpr31.14 to both. and also a letter saying I believe both debts to be statute barred. I have had reply from restons saying firstly I did not sign the letters. (my mistake) signed and returned next post, then a letter stating that they do not have to conform to CPR31.14, which I believe is fairly standard, I have replied to this with an assertation that they will need to comply. I have had no corespondance from drydens. im getting nervous now as the defence date looms. I need help with wording the defence.
thanks in advance for your help
claim 1 from restons- issue date 05/02/16
claim 2 from drydens-issue date 08/02/16
particulars of claim
1. The claimant claims payment of the overdue balance due from the defendant under a contract between the defendant and capital one dated on or about jul 26 2000 and assigned to the claimant on sep 28 2015
ac no. ********
date item value
15/01/2016 default balance 749.21
2. the claimants claim is for the sum of £406.21 under an agreement regulated by the consumer credit act 1974, between the defendant and capital one.
acc no. **** and assigned to the claimant on 28/09/2015, notice of which has been provided to the defendant. the defendant has failed to make payment in accordance with the terms of the agreement despite requests for such.
so I have acknowleged service and believe I have until 9/3/16 and 12/3/16 to file defence? is this right?
so far ive gone it alone using the information already available here. ive sent a cca request to cabbot for both and a cpr31.14 to both. and also a letter saying I believe both debts to be statute barred. I have had reply from restons saying firstly I did not sign the letters. (my mistake) signed and returned next post, then a letter stating that they do not have to conform to CPR31.14, which I believe is fairly standard, I have replied to this with an assertation that they will need to comply. I have had no corespondance from drydens. im getting nervous now as the defence date looms. I need help with wording the defence.
thanks in advance for your help
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