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Hi Guys
I have received a letter of claim from Restons solicitors for a debt bought by Cabot financial.
I have made a complaint to the financial ombudsman that the original creditor ‘ a credit card company ‘ refused to deal with several mistakes on my account over a year before Cabot bought the debt and simply told me to deal with the 3rd party debt collectors. The ombudsman said that as they were still the legal owners of the debt they had a duty to deal with me and not pass the buck to the debt collectors.
The amount Cabot are claiming is for £1800 when the correct amount after deducting the disputed amount is £1150.
My question now is, should I contact Restons who have sent me a letter of claim and say they will start proceedings on 18 05.2018 or Cabot or both and tell them its a disputed amount sold by the original owner of the debt and I have now made complaint to the FO for which I have received relevant paperwork and a reference number. So would they like to put proceedings on hold whilst this matter is dealt with by the FO as I see no point in starting court proceedings when they are trying to claim the wrong amount.
I don't dispute the lower figure.
I have received a letter of claim from Restons solicitors for a debt bought by Cabot financial.
I have made a complaint to the financial ombudsman that the original creditor ‘ a credit card company ‘ refused to deal with several mistakes on my account over a year before Cabot bought the debt and simply told me to deal with the 3rd party debt collectors. The ombudsman said that as they were still the legal owners of the debt they had a duty to deal with me and not pass the buck to the debt collectors.
The amount Cabot are claiming is for £1800 when the correct amount after deducting the disputed amount is £1150.
My question now is, should I contact Restons who have sent me a letter of claim and say they will start proceedings on 18 05.2018 or Cabot or both and tell them its a disputed amount sold by the original owner of the debt and I have now made complaint to the FO for which I have received relevant paperwork and a reference number. So would they like to put proceedings on hold whilst this matter is dealt with by the FO as I see no point in starting court proceedings when they are trying to claim the wrong amount.
I don't dispute the lower figure.
