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Hello good morning I am wondering if someone can help me. I am being chased by Cabot financial for a debt from 2017. I have not paid anything since 2017 but Cavour financial have update the debt on my credit file to the 18th oct 2018. What are my next steps to take to get this resolved. I don’t understand why the debt was updated in oct 18. They are now threading a CCJ but I believe the original debt was £800 and increased to over £2000 can I offer to pay the original debt with out the interest that has been pilled on?
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Hi SARALOU2021
When you say 'threatening CCJ', what have they sent you?
Have they sent you a Letter Before Action?
What kind of debt is it?
Who is the original creditor?
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It is send via email. It was for an aqua credit card apparently. This is the email Sara, legal action will begin in 14 days
We have not received any contact or payment from you, and you have not taken any action to prevent legal action from commencing. As we take this matter seriously and want to help you avoid a CCJ, but we can only do that if you talk to us. Comment
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If that is a Letter Before Action, there is quite a bit of information missing.Originally posted by Saralou2021 View Post
https://www.justice.gov.uk/courts/pr...action_conductComment
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Send Cabot a CCA request, make sure you get Proof of Postage.
https://legalbeagles.info/library/gu...etter-example/
Send Aqua a SAR, they have 30 days to provide all the data on the account, make sure you get Proof of Postage.
https://legalbeagles.info/library/gu...ccess-request/
Some info - https://debtcamel.co.uk/debt-collectors-court-bluffing/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
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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.
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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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