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Hello and Good Afternoon,
I'm reffering to a debt for 10,000 (Natwest Card) since 2006 (approx)
I do remember making monthly payments (my brother was making them for me) but everything stopped in 2014 .
Forgive my ignorance and imprecision please.
A letter was sent to me on the 27th of April (I received it on Sat the 29th but only opened it on Monday the 1st) from Shoosmith solicitors asking me to make contact otherwise the court.
On the 10th (have the receipt), I sent a letter to Shoosmith asking for details:
==============
Recorded Delivery: From
xxxxxxxx
xxxxxxxx
xxxxxxx
Your Ref xxxxxxx
Shoosmith LLP Solicitors
5-7 The Lakes
Northampton
NN4 7SH
10/05/2017
Dear Sirs,
Re: Your Client – Cabot Financial Limited
Pre Action Conduct - Request for Information
With regard to your letter dated 27/04/2017, which stated Legal Action would be taken, I take this to be a Letter before Action under the above named Pre Action Conduct Protocol and as such I am responding accordingly.
As you have indicated you are acting on behalf of Cabot Financial Limited in this action, I assume you are authorised to accept service of documentation, therefore, please accept this request for Information sufficient to understand the claim being threatened and as such is in accordance Section 3 of the Pre Action Conduct, by way of Service Upon You and your client.
As I have never entered into any Legal Agreement or Contract with your client, for any monies or specifically for the alleged amount of £10368.04; and I neither accept nor acknowledge the assertion any debt has been Legally and Absolutely Assigned to your client, I therefore, request the following documentation under Pre Action Conduct Section 6 (c) as proof of your Clients assertions of a Legal Obligation, to be provided to me within 40 days of the post marked date of this letter.
I. Pursuant to s.77-79 of the Consumer Credit Act 1974 (CCA1974) a copy of the Original Signed Consumer Credit Agreement, along with a copy of the original Terms & Conditions and any and all subsequent changes in said Terms & Conditions.
II. Statements of the Account referred to, including details of all payments made and calculation of how interest was charged against each item, leading to the Alleged Debt of £10000.00
III. Also, as this is an Alleged Debt, I believe Default Charges may have been applied to the Account and as such may be unlawful under the Unfair Consumer Contract Terms Regulations 1999, therefore, I would request details of each and every Default Charge applied to the Account (i.e. if the charge was for ‘Administration’ what Administration was undertaken to support the Default Charge) along with details of any Interest Charged against each Default Charge applied.
IV. In accordance with Section 87.1 Of the Consumer Credit Act 1974 (as amended) a copy of the Default Notice from the original owners of the Alleged Debt and Certified Copies of how this was served upon me.
V. A copy of the Legal / Absolute Assignment of the Agreement, including a copy of a Duly Executed Deed of Assignment and / or Deed of Tripartite Novation; and
VI. In accordance with Section 196 of the Law of Property Act 1925, Certified Copies of how I was served with the Alleged Legal Assignment.
VII. A copy of the Alleged Notice of Assignment sent by the original creditor to the Defendant and again, in accordance with Section 196 of the Law of Property Act 1925, Certified Copies of how this was Served upon me.
Should proceedings commence against me and your client fail to provide each and every document requested, I will make an Application to the Court to Stay your Clients claim until the request is complied with and request the Court impose Sanctions against yourself and your client for failure to adhere to the provisions of the above mentioned Practice Direction.
Also please be aware, each document listed is required to provide absolute and legal proof of your client’s contention of a legal indebtedness towards them and again, should your client fail to produce said documentation and Proceedings Commence against me I will apply to the Court to Stay your Clients claim Until said documentation is received.
As a part of my defence I will re-request production of each and every document under an appropriate Civil Procedure Rule, along with a request under CPR Part 39.a (3.3) for the original of every document upon which you intend to rely be brought to any subsequent hearing for examination.
Please note, where I have mentioned a document and there is in your clients possession more than one version of that same document owing to a modification, obliteration or other marking or feature, each version will be a separate document and you must provide a copy of each version of it to me. Your obligations extend to making a reasonable and proportionate search for any version(s) to include an obligation to recover and preserve such version(s) which are now in the possession of a third party.
I look forward to your response in due course.
Yours faithfully
Leo
========================
today I received the County Court letter and now I am more nervous than ever.
I did sign up on line but I don't know what to do.
I would like to tell the court about the letter I sent.
Forgive me, I don't remember and I don't have evidence.
I did send letters to creditors many years ago, asking for CCA proof and never received anything.
I have checked my credit on 'Checkmyfile' and only see 1 default for 3000 but nothing about the 10000 from Natwest.
I really am in a massive stress status now and can't concentrate on anything.
I don't want to ignore it. If it is there and I have to come to some sort of agreements so be it.
But they have ignored my letter.
I hope I can get this sorted.
After my divorce in 2006 I went trough several stress issues (medications included) and now I feel like it's all back!
Have a nice day
Leo
I'm reffering to a debt for 10,000 (Natwest Card) since 2006 (approx)
I do remember making monthly payments (my brother was making them for me) but everything stopped in 2014 .
Forgive my ignorance and imprecision please.
A letter was sent to me on the 27th of April (I received it on Sat the 29th but only opened it on Monday the 1st) from Shoosmith solicitors asking me to make contact otherwise the court.
On the 10th (have the receipt), I sent a letter to Shoosmith asking for details:
==============
Recorded Delivery: From
xxxxxxxx
xxxxxxxx
xxxxxxx
Your Ref xxxxxxx
Shoosmith LLP Solicitors
5-7 The Lakes
Northampton
NN4 7SH
10/05/2017
Dear Sirs,
Re: Your Client – Cabot Financial Limited
Pre Action Conduct - Request for Information
With regard to your letter dated 27/04/2017, which stated Legal Action would be taken, I take this to be a Letter before Action under the above named Pre Action Conduct Protocol and as such I am responding accordingly.
As you have indicated you are acting on behalf of Cabot Financial Limited in this action, I assume you are authorised to accept service of documentation, therefore, please accept this request for Information sufficient to understand the claim being threatened and as such is in accordance Section 3 of the Pre Action Conduct, by way of Service Upon You and your client.
As I have never entered into any Legal Agreement or Contract with your client, for any monies or specifically for the alleged amount of £10368.04; and I neither accept nor acknowledge the assertion any debt has been Legally and Absolutely Assigned to your client, I therefore, request the following documentation under Pre Action Conduct Section 6 (c) as proof of your Clients assertions of a Legal Obligation, to be provided to me within 40 days of the post marked date of this letter.
I. Pursuant to s.77-79 of the Consumer Credit Act 1974 (CCA1974) a copy of the Original Signed Consumer Credit Agreement, along with a copy of the original Terms & Conditions and any and all subsequent changes in said Terms & Conditions.
II. Statements of the Account referred to, including details of all payments made and calculation of how interest was charged against each item, leading to the Alleged Debt of £10000.00
III. Also, as this is an Alleged Debt, I believe Default Charges may have been applied to the Account and as such may be unlawful under the Unfair Consumer Contract Terms Regulations 1999, therefore, I would request details of each and every Default Charge applied to the Account (i.e. if the charge was for ‘Administration’ what Administration was undertaken to support the Default Charge) along with details of any Interest Charged against each Default Charge applied.
IV. In accordance with Section 87.1 Of the Consumer Credit Act 1974 (as amended) a copy of the Default Notice from the original owners of the Alleged Debt and Certified Copies of how this was served upon me.
V. A copy of the Legal / Absolute Assignment of the Agreement, including a copy of a Duly Executed Deed of Assignment and / or Deed of Tripartite Novation; and
VI. In accordance with Section 196 of the Law of Property Act 1925, Certified Copies of how I was served with the Alleged Legal Assignment.
VII. A copy of the Alleged Notice of Assignment sent by the original creditor to the Defendant and again, in accordance with Section 196 of the Law of Property Act 1925, Certified Copies of how this was Served upon me.
Should proceedings commence against me and your client fail to provide each and every document requested, I will make an Application to the Court to Stay your Clients claim until the request is complied with and request the Court impose Sanctions against yourself and your client for failure to adhere to the provisions of the above mentioned Practice Direction.
Also please be aware, each document listed is required to provide absolute and legal proof of your client’s contention of a legal indebtedness towards them and again, should your client fail to produce said documentation and Proceedings Commence against me I will apply to the Court to Stay your Clients claim Until said documentation is received.
As a part of my defence I will re-request production of each and every document under an appropriate Civil Procedure Rule, along with a request under CPR Part 39.a (3.3) for the original of every document upon which you intend to rely be brought to any subsequent hearing for examination.
Please note, where I have mentioned a document and there is in your clients possession more than one version of that same document owing to a modification, obliteration or other marking or feature, each version will be a separate document and you must provide a copy of each version of it to me. Your obligations extend to making a reasonable and proportionate search for any version(s) to include an obligation to recover and preserve such version(s) which are now in the possession of a third party.
I look forward to your response in due course.
Yours faithfully
Leo
========================
today I received the County Court letter and now I am more nervous than ever.
I did sign up on line but I don't know what to do.
I would like to tell the court about the letter I sent.
Forgive me, I don't remember and I don't have evidence.
I did send letters to creditors many years ago, asking for CCA proof and never received anything.
I have checked my credit on 'Checkmyfile' and only see 1 default for 3000 but nothing about the 10000 from Natwest.
I really am in a massive stress status now and can't concentrate on anything.
I don't want to ignore it. If it is there and I have to come to some sort of agreements so be it.
But they have ignored my letter.
I hope I can get this sorted.
After my divorce in 2006 I went trough several stress issues (medications included) and now I feel like it's all back!
Have a nice day
Leo
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