Cabot Financial help please

[Fays]

Hi everyone got claim from Cabot Aqua card I owe them 372£ plus with court fees
About £457, I called their solicitor shoosmiths llp to settle down out of court
offer to pay monthly 40£ or maybe more depends on my budget,they said me to pass it to Cabot for their decision and meanwhile put hold on case proceeding and send me a letter of holding case until they get decision from Cabot, in the meanwhile send me a copy of my credit agreement but they said don't acknowledge receipt to county court for claim form pls tell me what to do now?
I paid last time on15 June 2009

[Streetwise]

Re: cabot financial and court claim plz help.

Hi everyone got claim from Cabot Aqua card I owe them 372£ plus with court fees
About £457, I called their solicitor shoosmiths llp to settle down out of court
offer to pay monthly 40£ or maybe more depends on my budget,they said me to pass it to Cabot for their decision and meanwhile put hold on case proceeding and send me a letter of holding case until they get decision from Cabot, in the meanwhile send me a copy of my credit agreement but they said don't acknowledge receipt to county court for claim form pls tell me what to do now?
I paid last time on15 June 2009

ACKNOWLEDGE , the claim form,or they will get judgement by default.

[Fays]

Re: cabot financial and court claim plz help.

ACKNOWLEDGE , the claim form,or they will get judgement by default.

Thanks for advise, after acknowledging do I defend? Wait for credit agreement to be recieved ?plz advise how to avoid ccj

[FlamingParrot]

Re: cabot financial and court claim plz help.

Thanks for advise, after acknowledging do I defend? Wait for credit agreement to be recieved ?plz advise how to avoid ccj

Acknowledge saying you want to defend the claim in full to start with. That will give you a further 14 days to defend (+ 5 extra allowed for service, a total of 33 days). More info here: http://www.legalbeagles.info/forums/...313#post499313

Once you have acknowledged, do the following:

2: Send A CCA REQUEST to the CLAIMANT ( see here )
This applies to all credit cards / loans / hire purchase / store cards type debt. It doesn't apply to Mobile Phones / Utilities or Overdrafts.

3: Send a CPR request to the CLAIMANT'S SOLICITORS ( see here )
This applies to everything unless they happen to have supplied you with a bunch of paperwork to back up their claim (v. unlikely)

Keep an eye on the calendar so you don't miss the deadline to file your defence.

Would be useful if you typed up the particulars of claim. :typing:

[Fays]

Re: cabot financial and court claim plz help.

Great help and advice I'll update outcome
once I have sent these letters through recorded delivery

[Fays]

Re: cabot financial and court claim plz help.

I have send two letters as directed here one to claiment and other to solocitor,
i acnowledge online to court
what next do i have to file copies to court as well of those 2 letters sent to claiment and solicitor
plz advise me further actions to do?

[FlamingParrot]

Re: cabot financial and court claim plz help.

I have send two letters as directed here one to claiment and other to solocitor,
i acnowledge online to court
what next do i have to file copies to court as well of those 2 letters sent to claiment and solicitor
plz advise me further actions to do?

No, there's no need to file the letters with the court.

With regards to the CCA request to the claimant, there's no need to chase that one, non-compliance can be used in your defence.

The solicitors should respond to the other letter (CPR 31.14) in 7 days, once they're up, you need to chase up. To save time you may want to ring and/or email them. I'd ask them for a 28 day extension which is the maximum allowed under CPR 15.5. to file your defence. If they agree, you need to get it in writing and forward it to the court.

Keep an eye on the timescales, without an extension you have a maximum of 33 days from date on claim to file a defence. :clock:

[Fays]

Re: Cabot Financial help please

Thanks buddy u r great