Cabot Financial (UK) / Mortimer Clarke / Oak Brook Finance

[Texasmum]

Afternoon all,

I've received a County Court claim as listed below. I'm hurriedly trying to follow the steps indicated in the guide as I believe my deadline to reply is in two days (I've recently become a first time mum, so time is not what it used to be and I stupidly didn't act immediately)

Am I correct that I need to do the following:
1) acknowledge claim via money claim site
2) request credit agreement from Oakbrook
3) request info from Mortimer Clark

Any advice you have would be great fully received.

Received a claim? Yes/No: YES
Issue Date: 19th July 2016
Have you Acknowledged the Claim?: Not yet
Total Amount Claimed : approx £3000
Claimant’s Name: Cabot Financial (UK) Limited
Solicitors Firm: Mortimer Clarke
Original Creditor: Oakbrook Finance LTD
Original Debt (eg. Credit card/Loan/Overdraft) : Loan
Particulars of Claim: by an agreement between Oakbrook Finance Ltd and the defendant on or around 04/2017, agreed to loan the defendant monies. The defendant did not pay the installments as they fell due & the agreement was terminated. The agreement was assigned to the claimant.
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): nothing in writing except the court claim
List any letters you have sent (eg: CCA/ CPR ): currently none
Any Other Information or Background Details: I've never heard of Oakbrook Finance?

[Amethyst]

Sound like you're on top of things but send a CCA request to Cabot not Oakbrook. You can send a subject access request to Oakbrook to get more information about the debt. Send The 31.14 request to Mortimer Clarke… Although they haven't mentioned very much in their statement of case still ask for agreement, default notice and notice of assignment.

Was it originally a loan? How much approx ? And was it a personal or business loan? ( I'm afraid I don't know much about Oakbrook)

Make sure you acknowledged the claim with intent to defend in full - Just to make sure you have the full 33 days from the date of issue.

[Amethyst]

Useful links
First Steps
Check dates
Acknowledge Claim
CCA Request
CPR 31.14 Request
Subject Access Request Letter

[Texasmum]

Thanks for putting me on the right track Amethyst

I can't find anything on it, would be a personal loan. I did have some mental health problems around that time, so paperwork is likely to be long gone and can't see anything in my emails. They're claiming approx £2.8k with fees it's over £3k.

I'm going to do the response to the court now and get on with sending the letters. I'll update shortly. Thank you again.

[Amethyst]

It looks like Oakbrook finance lend under the name ' likely loans ' If that rings any bells? They have a very high interest rate ( 60% apr) and are aimed at people with poor credit scores. They seem to act mainly online so you could have a search through your emails to see if anything comes up under the company name.