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I need help URGENTLY - court in 2 days!
I need advice on a debt to Cabot Financial in the sum of £5900 that my wife is being pursued for by Nolans Solicitors.
In January 2022, we received court papers from Nolans solicitors saying that they intended taking my wife to court for an unsecured £5900 debt to Cabot Financial. It gave us 21 days to respond. We responded that we intended to defend the case. My wife, suffering from severe PTSD and postnatal depression after a difficult birth, didn’t recognise the debt as detailed in the writ so I immediately made a CCA request. The date of the last known payment and various other details on the writ didn’t seem to add up. Request was received by Cabot (signed for) on 7th Feb 2022. I received no acknowledgment or response to said request. Fast forward to July and the case was called in court and was sisted after I brought to Nolans attention my wife’s mental health issues.
In September, in the absence of ANY paperwork or proof whatsoever, I made Nolans an offer to settle the account in full for £1500. They said that the offer looked likely to be accepted but would need to be forwarded to Cabot for their approval. I finally received a PDF credit agreement from Cabot on Friday but only 6 days before court but still no statement of account or details or amounts paid and when. Fast forward to this morning 24/10/2022, I reserved a letter, refusing said offer. I now have only 2 days to get our ducks in a row.
I think the very late response by Nolans is designed to throw us off course. Throughout the saga they have sent recorded deliveries to my partner with the wrong name, they have sent papers telling her to attend the wrong court and this latest late response seems to be yet another underhanded tactic to make sure she doesn’t attend court.
I’m out of my depth with this slippery firm. Can anyone offer any advice? Thanks in advance.
In January 2022, we received court papers from Nolans solicitors saying that they intended taking my wife to court for an unsecured £5900 debt to Cabot Financial. It gave us 21 days to respond. We responded that we intended to defend the case. My wife, suffering from severe PTSD and postnatal depression after a difficult birth, didn’t recognise the debt as detailed in the writ so I immediately made a CCA request. The date of the last known payment and various other details on the writ didn’t seem to add up. Request was received by Cabot (signed for) on 7th Feb 2022. I received no acknowledgment or response to said request. Fast forward to July and the case was called in court and was sisted after I brought to Nolans attention my wife’s mental health issues.
In September, in the absence of ANY paperwork or proof whatsoever, I made Nolans an offer to settle the account in full for £1500. They said that the offer looked likely to be accepted but would need to be forwarded to Cabot for their approval. I finally received a PDF credit agreement from Cabot on Friday but only 6 days before court but still no statement of account or details or amounts paid and when. Fast forward to this morning 24/10/2022, I reserved a letter, refusing said offer. I now have only 2 days to get our ducks in a row.
I think the very late response by Nolans is designed to throw us off course. Throughout the saga they have sent recorded deliveries to my partner with the wrong name, they have sent papers telling her to attend the wrong court and this latest late response seems to be yet another underhanded tactic to make sure she doesn’t attend court.
I’m out of my depth with this slippery firm. Can anyone offer any advice? Thanks in advance.
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