new member saying hi and needing help

[Vidooks9]

Hi everybody,
new member here
i need help with Cabot/Mortimer Clarke they have bought a debt of mine approx £1800 with a marbles credit card
They have issued me with a court order for the above amount in Northampton county court business centre
I haven’t a clue how to sort/defend this action and I’m not very computer savvy I might need pointing in the right direction for letter templates etc.

[jaguarsuk]

They have issued me with a court order for the above amount in Northampton county court business centre

Hi & Welcome

Just to be clear have you been issued with an Order, so telling you that a Judgement in Default has been made against you?

Or have you received a Claim Form N1 for a claim filed against you?

If you are unsure there's an example of the Claim Form in the First Steps guide. Alternatively you could post a copy of what you have here with any identifying details removed to allow us to see. Once we know exactly what we're dealing with then we can guide you through what you need to do.

[Vidooks9]

[Vidooks9]

I have acknowledged and defend in full yesterday also I have sent both requests off today
cheers

[jaguarsuk]

I have acknowledged and defend in full yesterday also I have sent both requests off today
cheers

It's just a waiting game to see what comes back now.

[Vidooks9]

These letters have come back from Cabot

[jaguarsuk]

These letters have come back from Cabot

Okay, stick to the timetable of the court. Prepare a draft of the Example Defence ready to file.

[Vidooks9]

Had a look at defence example but wouldn’t even where to start other than claimant and defendant and case no
do I use every one of the statements or do I use just certain ones any help will be much appreciated

[Amethyst]

Just the ones that are relevant ( to be honest that will be most of them - I think you can remove the one about the debt being statute barred as the account wasn't opened until 2016 ) and as it is a credit card you can remove all the mentions of s.77 as it falls under s.78.

Keep in

that you made a CCA request and they haven't provided the agreement
that you made a CPR request and they haven't provided documents
that you haven't had notice of assignment or default notice ( if you haven't )
that they haven't given a breakdown of the amount claimed


Have a go and post up the draft and we'll give you a hand I'm sure

[Vidooks9]

draft of defence

[Vidooks9]

[jaguarsuk]

You still need to file a defence as they have already brought a claim against you.

[Vidooks9]

Hi is that defence draft ok and do I have to post it to the courts
tia

[jaguarsuk]

Hi is that defence draft ok and do I have to post it to the courts
tia

Yep, that's all you can file at this time and it looks fine.

[Vidooks9]

Hi received these today from Cabot/Mortimer Clarke Solicitors