Authorisation lapsed

[Annie7]

Dear All
Almost two years ago received a claim from Restons for £2,500 but with no details.
Filed defence requesting details of claim and made a CCA request. Cabot didn't come back until a week ago, with copies of some documents, containing terms and conditions, and copy of agreement, stating that they are now entitled to obtain Judgment. Asking me to contact Restons.

1. I have noticed that they have not provided copy of Deed of assignment, I requested. Not sure important?
2. Also it appears that the authorisation of Cabot Financial has lapsed with the FCA, which is the name they've used on the Claim form. Does this mean that the claim is not valid and they have to reapply?
3. Also, over half of the amount they are claiming consists of bank charges.
4. Not sure if Default or Termination notices are relevant if they have bought any debts. Please help

[Diana M]

Re: Authorisation lapsed

Is the name of the Claimant Cabot Financial (Europe) Ltd or Cabot Financial (UK) Ltd?

There's a big difference.

Di

[Annie7]

Re: Authorisation lapsed

Cabot Financial UK

[Diana M]

Re: Authorisation lapsed

Cabot Financial UK

They're unlicensed.

Di

[charitynjw]

Re: Authorisation lapsed

They're unlicensed.

Di

Does that mean they can't go for the kill?

[Annie7]

Re: Authorisation lapsed

Hi Di
Thank you for your reply.
Does it matter that they are unlicenced?
If I point this out to them, can they shortly come back with a fresh court claim under Cabot Europe?
Should I request copy of Deed of assignment? Can they refuse?
If they are debt purchasers, should I ask for copies of default notices/ Termination notices?
Would appreciate your take on this?
Thank you very much