Cabot Financial and old egg loan-CCJ Being sought

[sara77]

Re: Cabot Financial and old egg loan-CCJ Being sought

I will follow your advice and not bother with the SAR and do everything else tomorrow. Hopefully I do not get a CCJ and I will keep you updated with letters. Not to sound to repetitive but thank you so much.

[Amethyst]

Re: Cabot Financial and old egg loan-CCJ Being sought

Not a problem.

[sara77]

Re: Cabot Financial and old egg loan-CCJ Being sought

Hello Again
It has been nearly two since I first posted and I have not heard anything back from Drydens. I spoke to the Court today and was told I need to give my defence of the case in before or by middle of next week. Not sure how to proceed,forthwith. Any further advice would be most appreciated.
Sara

[sara77]

Re: Cabot Financial and old egg loan-CCJ Being sought

Hello Again
Not really sure how to proceed, would really appreciate some advice.
Thank you Sara

[sara77]

Re: Cabot Financial and old egg loan-CCJ Being sought

Hello Again
If anyone is reading this,then a little advice a would really help.
Thankyou
Sara

[Amethyst]

Re: Cabot Financial and old egg loan-CCJ Being sought

Morning Sara

What date was your claim issued ? (printed top of claim form) then we can work out exact date for having defence in.

If you've had nothing back from Drydens or Cabot then we'll be needing to put in a defence.

You can see an example defence http://www.legalbeagles.info/forums/...t-Court-Claims

Alternatively you can ask Drydens if their client would agree to an extension of the date for filing your defence as they have failed to provide you with any documents evidencing their claim and there is no copy agreement yet.

http://www.legalbeagles.info/forums/...filing-defence

That would give you a further 28 days and them more time to come up with the documents before you defend. I think Drydens usually say no but its a good idea to ask as then you can say in the defence you tried to give them more time but they declined. If you do get them to agree to more time and they still don't get the documents then it looks worse for them in court too. And if they do come up with the documents you have a better idea if your defence is going to succeed.

Have a look at the defence and see what you think. Think of any additional issues you might have had with the debt to, and we'll help you put it all together.

Sharon
xx

[sara77]

Re: Cabot Financial and old egg loan-CCJ Being sought

Afternoon Sharon
Thank you for your reply, sorry I couldn't respond yesterday-was at work. My claim form is dated 19th December, should I ring Dryden? My concern is that they may just claim that I did not ring them. Not sure, other than CCA not provided defence-what if any other defence I may have? I ran into financial difficulties due to lack of work. Though I did not claim any benefits because I quit my job. I lived with family who supported me. Not sure if that is relevant. I am still waiting for the post today but I think I should just fill out the form online, with just the no CCA point, and use the last point of reserving the right to change my defence should the documents be produced. I can ring them later today If you think that would be a good idea.
Hopefully I have made sense any extra things that need adding-I will do If you think that would be useful.
Thankyou for your assistance.
Sara

[Kati]

Re: Cabot Financial and old egg loan-CCJ Being sought

My claim form is dated 19th December, should I ring Dryden?

so your defence (33 days from date of claim) is due

From Friday, December 19, 2014
Added 33 days

---

Result: Wednesday, January 21, 2015

I'm sure [MENTION=6]Amethyst[/MENTION] will be along soon

[sara77]

Re: Cabot Financial and old egg loan-CCJ Being sought

I rang the Court last week and they gave me that date too Kati.

[Kati]

Re: Cabot Financial and old egg loan-CCJ Being sought

I rang the Court last week and they gave me that date too Kati.

Have you rang to ask for an extension?

If you've had nothing back from Drydens or Cabot then we'll be needing to put in a defence.

You can see an example defence http://www.legalbeagles.info/forums/...t-Court-Claims

Alternatively you can ask Drydens if their client would agree to an extension of the date for filing your defence as they have failed to provide you with any documents evidencing their claim and there is no copy agreement yet.

http://www.legalbeagles.info/forums/...filing-defence

That would give you a further 28 days and them more time to come up with the documents before you defend. I think Drydens usually say no but its a good idea to ask as then you can say in the defence you tried to give them more time but they declined. If you do get them to agree to more time and they still don't get the documents then it looks worse for them in court too. And if they do come up with the documents you have a better idea if your defence is going to succeed.

Have a look at the defence and see what you think. Think of any additional issues you might have had with the debt to, and we'll help you put it all together.

Sharon
xx

[sara77]

Re: Cabot Financial and old egg loan-CCJ Being sought

I have not rang then yet, I was waiting for the post-though I got todays mail and nothing again from them. I can ring, though how do I obtain or give proof to the Court that I have spoken to them?

[Kati]

Re: Cabot Financial and old egg loan-CCJ Being sought

I have not rang then yet, I was waiting for the post-though I got todays mail and nothing again from them. I can ring, though how do I obtain or give proof to the Court that I have spoken to them?

If they agree .... you need to get them to email you proof of the extension to send on to the court

[sara77]

Re: Cabot Financial and old egg loan-CCJ Being sought

Ok Kati, I will give them a call now and will report back to you. Thank you for your guidance.
Sara

[sara77]

Re: Cabot Financial and old egg loan-CCJ Being sought

I have just spoken to them, they told me that my account is on hold whilst their clients deals with my CCA request. They told me I literally do not need to do anything else. That I do not need to fill out my defence because they are not going to do anything until their client responds. I was rather weary of this response and asked for an email to confirm conversation. i was told a test email would first be sent out and then the follow email confirming my account is on hold and no action is required.
I will update and further advice on how to proceed would be greatly received by me.
Sara

[Kati]

Re: Cabot Financial and old egg loan-CCJ Being sought

I have just spoken to them, they told me that my account is on hold whilst their clients deals with my CCA request. They told me I literally do not need to do anything else. That I do not need to fill out my defence because they are not going to do anything until their client responds. I was rather weary of this response and asked for an email to confirm conversation. i was told a test email would first be sent out and then the follow email confirming my account is on hold and no action is required.
I will update and further advice on how to proceed would be greatly received by me.
Sara

It might be an idea to sort out your defence anyway ... they might just try and get a default judgement
If you do get an email saying you don't need to do anything I'd (personally) forward it to the courts - it might be good to use in a defence if they go for the default judgement :tinysmile_twink_t2: