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Hi. I have received*a county court claim form. This is from Mortimer Clarke solicitors on behalf of Cabot Financial regarding a vanquis credit card from 2013. I acknowledge that I had the credit card but I don’t agree with the amount they are claiming. Around 2016 the debt was passed to another debt collecting company and I made several payments £100 each towards the debt. These payments don’t appear to have been taken off the total amount and also there is no mention on the claim form of the other company that I paid before the debt was passed to Cabot. I would be grateful of any advice on how to precede with this. I was thinking of writing and asking for CCA? Many thanks
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Hi - welcome to LegalBeagles.
Firstly, have you acknowledged the claim online? Follow the shortcut links in the column on the right. You must do this immediately.
Also follow the request for information steps: send off a CCA request to receive a copy of the original agreement & statement of account, CPR 31.14 etc.
Do you have copies of any transactions of payments you made. What company did you make those payments to? Also a Subject Access Request to the original creditor would show what the balance was when it was assigned.Comment
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SHORTCUTS
First Steps
Check dates
Income/Expenditure
Acknowledge Claim
CCA Request
CPR 31.14 Request
Subject Access Request Letter
Example Defence
Set Aside Application
Directions Questionnaire
If you received a court claim and would like some help and support dealing with it, please read the first steps and make a new thread in the forum with as much information as you can.
NOTE: If you receive a court claim note these dates in your calendar ...
Acknowledge Claim - within 14 days from Service
Defend Claim - within 28 days from Service (IF you acknowledged in time)
If you fail to Acknowledge the claim you may have a default judgment awarded against you, likewise, if you fail to enter your defence within 28 days from Service.
We now feature a number of specialist consumer credit debt solicitors on our sister site, JustBeagle.com
If your case is over £10,000 or particularly complex it may be worth a chat with a solicitor, often they will be able to help on a fixed fee or CFA (no win, no fee) basis.
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