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Hello,,
i need urgent help/advice please....I'm being pursued through the courts by Cabot for a debt with a credit card called Opus. This has been going on for sometime, and Restons solicitors wrote in March to say the claim was being discontinued ,after offering several different, and lower, amounts for me to settle out of court, which I ignored. However, in Dec 15 another claim for the same debt had already been issued by Wright Hassall solicitors. It's for the same amount, Opus card, on behalf of Cabot.
I now have a court date for November, but I must file by Tuesday any documents that form my defence. They've obtained an "unless order" so I must comply.
in brief, their witness statement says I took out an opus card in July 1997, and gives a card number and reference number and that I last made payment january 2015. That say the debt was assigned to cabot in April 2011.
Ive never had an opus card, nor signed an agreement. After requesting my agreement many many times I've been send a reconstituted opus card agreement from 2010, with an address I didn't live at when they say I took out the card.
In addition they sent copies of statements for a Citi Card credit card, from 2006- 2010
I believe opus took over citi card, but my citi card number is not the same as the number they have on the opus account and the amount is different.
Cabot have no signed agreement for either card.
I've also been sent a photocopy of an assignment of debt which I'm not sure I've ever seen before, and it's got their cabot document reference printed on the side, as though its something they made up themselves.
What's the legal situation about this please? Thanks in advance!
i need urgent help/advice please....I'm being pursued through the courts by Cabot for a debt with a credit card called Opus. This has been going on for sometime, and Restons solicitors wrote in March to say the claim was being discontinued ,after offering several different, and lower, amounts for me to settle out of court, which I ignored. However, in Dec 15 another claim for the same debt had already been issued by Wright Hassall solicitors. It's for the same amount, Opus card, on behalf of Cabot.
I now have a court date for November, but I must file by Tuesday any documents that form my defence. They've obtained an "unless order" so I must comply.
in brief, their witness statement says I took out an opus card in July 1997, and gives a card number and reference number and that I last made payment january 2015. That say the debt was assigned to cabot in April 2011.
Ive never had an opus card, nor signed an agreement. After requesting my agreement many many times I've been send a reconstituted opus card agreement from 2010, with an address I didn't live at when they say I took out the card.
In addition they sent copies of statements for a Citi Card credit card, from 2006- 2010
I believe opus took over citi card, but my citi card number is not the same as the number they have on the opus account and the amount is different.
Cabot have no signed agreement for either card.
I've also been sent a photocopy of an assignment of debt which I'm not sure I've ever seen before, and it's got their cabot document reference printed on the side, as though its something they made up themselves.
What's the legal situation about this please? Thanks in advance!
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