claim form

[chu]

hi. I received a claimant by Cabot Financial for a credit card debt, the sum of under £12,000. Issue date 19 Jul 2019.
only got 14 days to response. what do you think I should do?

[Amethyst]

First step is to acknowledge the claim, log in on Moneyclaim online and acknowledge with intent to defend in full - it's not binding - but gives you more time to look into the claim. ( Acknowledge Claim)

Other than that we'll need a bit more info.

This is a credit card debt - who was the original lender ?
Did you know about it ? When was the last time you paid anything, and do you know when it defaulted ?
Does it appear on your credit file ?
Did you receive a letter before action ?


First Steps

Check dates

Acknowledge Claim

CCA Request

CPR 31.14 Request

Subject Access Request Letter

[chu]

Hi Amethyst. thank You for responding to my post.
in July 2015 I was away for over two years, came back on Aug 2017, had problems with ex wife, I was struggling looking for work and accommodation, I was lucky to find a minimum wage job and lodge with a friend we share the cost. during this time all my Banking details was lost among many others things. I did went to Lloyds bank to checked up on my accounts but they just cant find my details, during this time I do know from my daughter that lots of debt letters was posted to me at my ex address. I was just to stress to deal with it. until now, I know I had to face the fact that I owe money and I had to pay it back, I was searching for alternative, by chance I found LegalBeagles. You opened up my minds to see how debts are being handle by debt buyers in an unethical behavior. So I decided to defend my claim. I am not educated, that is why it took me so long to write this post I am totally ignorance in this maters and cant afford a consultant , I know I will be struggling but I am going to give it a tried.

Thank You LegalBeagles for what you are doing. I think you are awesome.





Received a claim: YES



Issue date: 19 JULY 2019



Have you acknowledged the claim?: yes (27. July. 2019



Total amount claimed: £12,000 (including court fees and legal representatives costs)



Claimants' name: Carbot Financial (uk) Ltd



Solicitors' firm: Mortimer Clarke Solicitors Ltd



Original creditor: Lloyds Bank



Original debt: Credit card



Particulars of claim: By an agreement between Lloyds Bank & the Defendant on or around 20/03/2001 ('the Agreement') Lloyds Bank agreed to issue the Defendant with a credit card. The Defendant failed to make the minimum payments due & the Agreement was terminated, the Agreement was assigned to the Claimant. THE CLAIMANT THEREFORE RE CLAIMS 10666.46 2. costs



Is the debt Statute Barred: I'm not sure, but don't think so???



List any letters you have sent: None recently - and don't remember last time I did



Any other information or background details: Can't remember last time I paid anything towards this debt or the debt collection agency (Cabot financial Ltd). last communicated with the original creditor (Lloyds Bank) June or July 2015