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Well here goes. Any advice welcome particularly regarding next steps/ entering a defence:
Received a claim? Yes
Issue Date: 27th June 2019
Have you Acknowledged the Claim?: Yes
Total Amount Claimed : £5000
Claimant’s Name: Cabot Financial
Solicitors Firm: Mortimer Clark
Original Creditor: Halifax
Original Debt (eg. Credit card/Loan/Overdraft) : Credit Card
Particulars of Claim: ( Please type out in full excluding names/account numbers/exact amounts ): By an agreement between Halifax & the defendant on or around 2003 ('the agreement') Halifax 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 claim £5000 2. Costs
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): No
List any letters you have sent (eg: CCA/ CPR ): CCA sent to Cabot 05/07/19, CPR sent to Mortimer Clark 05/07/19 and SAR to Halifax on 05/07/19. Response from Mortimer Clark to say they have passed this on to Cabot for response.
Any Other Information or Background Details: We had sought advise from Compass Debt Advisors who we were paying a monthly amount to and they were paying minimum amounts to our creditors and saving the remainder to build up until a time when a lump sum could be paid off to our creditor. The last payment made on this account was January 2016 at which point Compass went into administration taking our money with them.
Any advice on next steps. I've not received any more correspondence and plan to enter my defence on Monday 22nd July as will be away for 2 weeks after this time.
Thanks all
Received a claim? Yes
Issue Date: 27th June 2019
Have you Acknowledged the Claim?: Yes
Total Amount Claimed : £5000
Claimant’s Name: Cabot Financial
Solicitors Firm: Mortimer Clark
Original Creditor: Halifax
Original Debt (eg. Credit card/Loan/Overdraft) : Credit Card
Particulars of Claim: ( Please type out in full excluding names/account numbers/exact amounts ): By an agreement between Halifax & the defendant on or around 2003 ('the agreement') Halifax 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 claim £5000 2. Costs
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): No
List any letters you have sent (eg: CCA/ CPR ): CCA sent to Cabot 05/07/19, CPR sent to Mortimer Clark 05/07/19 and SAR to Halifax on 05/07/19. Response from Mortimer Clark to say they have passed this on to Cabot for response.
Any Other Information or Background Details: We had sought advise from Compass Debt Advisors who we were paying a monthly amount to and they were paying minimum amounts to our creditors and saving the remainder to build up until a time when a lump sum could be paid off to our creditor. The last payment made on this account was January 2016 at which point Compass went into administration taking our money with them.
Any advice on next steps. I've not received any more correspondence and plan to enter my defence on Monday 22nd July as will be away for 2 weeks after this time.
Thanks all
