Congratulations! Pure common sense.victory !!

Hi Folks, Been disputing a debt with Cabot for some time and eventually it has been issued as a claim to which I have responded as per the guidance in the forum. Very helpful thank you. So back in December 2018 I filled out my AOC and then 31CPR and then my Defence. Today I received a letter from Cabot chasing the debt asking me to pay, are they allowed to send me a letter to collect when it has now been escalated to a court case? Where do I stand? Any thoughts, guidance, greatly and warmly received. Thanks.

Well done you stopped their application...that is all today was about.. Andy

Dispute with them over incorrect data held by them so asked for SAR of everything they have. their legal dept bod said "we dont have to supply information that is 2 years old as you couldnt do a SAR until they brought in the GDPR last year". I asked if they had heard about the Data Protection Act and they said yes, we had to protect your data so you cant have it. I have now transferred to another supplier.

update: Notification that the claim against you was discontinued was received on 15/04/2019 at 19:09:59 does this mean this is over for now? thanks so much for your help.

We done an income and expenditure which showed be can pay the arrears over the term of the mortgage. judge agreed it was fine......also said if we get into difficulties in the future and mortgage company won’t listen, we should go back to court and he’d do his best to amend it for us.

If I get unsolicited letters like this with a pre-paid envelope, I stuff them with junk mail and send it back to them. Petty? Yes. Satisfying? Oh yes!

Best of luck Orchid

Hi Bankfodder yes I did, they said that they were pleased it wasn’t just getting thrown away. I said that the autistic kids will love it as it’s so bright and colourful. I’m glad some good will come of the mix up

you sure you only had one Barclaycard? mercers were Barclays and their default notice are notorious for being faulty. findout that last payment date..go ring BC use the card number from the POC. pop up on the MCOL website detailed on the claimform. . register as an individual note the long gateway number given then log in . select respond to a claim and select the start AOS box. . then using the details required from the claimform . defend all leave jurisdiction unticked. click thru to the end confirm and exit MCOL. . get a CCA Request running to the claimant https://www.consumerac

Follow the rest of that link Do AOS on mcol Get cca request And Cpr 31:14 running

Hi Here’s what has been submitted. Cheers. Claimants POC: 1. The Claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and New Day dated on or about Nov 9 2016 and assigned to the claimant on Aug 9 2018. 1.1. THE CLAIMANT THEREFORE CLAIMS £1190.72 + costs of £70.00 + £80.00 DEFENCE 1.The Defendant contends that the particulars of the claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particula

I too had dealings with Cabot regarding an old credit card debt. With the help of this site and various others I managed to fight them off. It seems that they specialize in buying up old debts that have done the rounds and nobody has got anything from. They then come on heavy with court dates and summonses. What they don't have ar the original documents like the original contract, terms and conditions that were valid at the time of the CC being taken out. All they have are some bad photocopies that they have hashed together in the office hoping that these will frighten you into paying. That is the secret of their

Name of the Claimant ? Cabot Financial Date of issue – 5th January 2019 Date to acknowledge) = 24/01/2019 date to submit defence = 07/02/2019 Particulars of Claim 1. The Claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and New Day dated on or about Nov 9 2016 and assigned to the claimant on Aug 9 2018. 2.THE CLAIMANT THEREFORE CLAIMS £1190.72 + costs of £70.00 + £80.00 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Don't Recall. Have you changed your address since the ti