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Help ! Mortgage won’t be approved as I had a default for a next catalogue ( showing 0 balance ) but it’s been duplicated by Cabot and is showing a balance of £218. Can I get either/both removed as surely there should not be 2 recorded for 1 debt ?
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Give Cabot a call, and check your records whether you did have an unpaid amount remaining on the catalogue - or call the catalogue company and check with them. See what you can find out and what the facts are then you'll have an idea how to challenge the default / get it settled.#staysafestayhome
Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.
Received a Court Claim? Read >>>>> First Steps -
I apparently did owe the catalogue company. Happy to pay but I can’t have two defaults for one debt surely ? If next registered it can Cabot re register it with the same dates etc ? I’ve never received anything of either so had no idea. They drop off in December but I want to move houseComment
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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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