no, not really any interest and no PPI I dont' think. I owe £335, this amount has never increased in the last 5 years so that's good. I did send one letter asking for the original agreement as I don't have it anymore and would like to see it, but they responded after a month saying they requested it from Capital one and are awaiting reply. What will CCA request do? thank you

sorry, I wasn't sure where to find any info. I owe Capital One (credit card). Cabot purchased the account. This debt hasn't been paid since 2010. It will be statute barred in less than a year so now they started to chase me, I heard nothing for almost 5 years. They are just chasing me for it now.

so what's the deal with Cabot? Firm Name: Cabot Financial (UK) Limited Interim Permissions Reference Number: 472690 Current status: Lapsed FS Register Status Effective Date: Interim Permission End Date: Firm Reference Number: Principal Place of Business Address: 1 Kings Hill Avenue Kings Hill West Malling Kent ME19 4UA Registered Office Address: 1 Kings Hill Avenue Kings Hill West Malling Kent ME19 4UA Phone: Fax: Website: +441732524600 Contact: Contact Email: Willem Wellinghoff wwellinghoff@cabotfinancial.co what does this mean that their licence lapsed?

Hi, I have been getting letters from Cabot Financial (Europe) Limited, then from Cabot Financial (Merlin) Limited and then again Cabot financial (Europe) Limited. They are chasing me for 5 years old debt. I heard that they don't have a licence and can't really pursue anyone for debt but I am not sure whether this is true or not. could someone please advice? thank you

can anyone reply to this please?

this is what P2ps said when I asked for the agreement. the agreement between you and the initial Zopa lenders was executed online. This occured when you acknowledged and accepted Zopa's terms and conditions - constituting an electronic signature which is a valid form of executing an agreement. Consequently, there is no hand-signed contract. however they can't provide a contract on paper and there must be one to prove at court that they lend money to someone right? and when I logged onto zopa's website and clicked on view loan agreement, it said error, so they don't have it anymore. if they can't provide evidence then can I argue it?

I was told the notice of assignment is not enough and they need to provide the deed of assignment. They must provide the deed of assignment at court to get CCJ. I am also entitled to see the deed of assignment, apparently. I logged on Zopa website and they don't have my CCA (loan agreement), they must have sold it to P2ps Limited, and P2ps limited won't let me see it, they say that this was done online so has no signature. No signature, no agreement I am afraid. I have already asked them for these things and they won't give it, they say I have CCJ so have to pay, now again, if I get it set aside, there won't be a CCJ and they will have to provide it, otherwise they can't prove the debt. Right?

I can prove they got that email as they replied to it, it was about sending me income and expenditure form and they replied via email saying they will post the form to my address so I printed it out and can send it to courts, I can prove they had my address im happy no need to send SAR as I have email proofs. also I went onto Zopa website and they don't have my agreement anymore, they sold it to p2ps, and they should have done so with my new address. I guess I will be filling n244 tonight and sending it off tomorrow. do I need any more info for courts? oh to answer your question, my defence is that zopa knew my address and when p2ps applied to courts, they sent the claim form to wrong address on purpose I can't defend myself. p2ps and zopa both have my email address as well and they didn't email me until 10 days after they obtained CCJ to let me know about it, but didn't let me know they were intending to go to court. I also asked p2ps for deed of assignment and they don't have it, they can't prove anything and surely they must have had to show the deed of assignment at court to obtain CCJ?

I can prove they had my address!!! I found an email I sent to zopa giving them my new address, they should have passed it on to p2ps who took me to court to obtain CCJ. Can I now apply to get this CCJ set aside? thank you

but the claimant had my email address and I find it a bit strange that they sent me an email 10 days after they got the CCJ against me, yet they didn't inform me that they were going to get CCJ against me, I don't see why I shouldn't ask for it to be set aside? The claimant should make every effort to ensure they have the correct person at the correct address, otherwise they are failing to follow the correct procedure, and/or did not care if I did receive the claim form. seen as they had my email address, they could have tried to contact me before they applied for CCJ, they didn't contact me once before and right after I got CCJ, they start emailing me? isn't that quite suspicious? Also as they never contacted me by email and they had my email address I didn't know they were actually looking for me or who I should contact to give my new address anyway

yes few times and the debt collectors who took me to court had my email address but didn't contact me until 10 days after the CCJ was given to me, which I find they did on purpose

can I ask for court to set the CCJ aside based on the fact I never received claim form? I was told I can but what will happen to the payments I made?

No they basically just said the same they said in the first letter. That they refunded charges that were caused by package fees and thats all. They didnt include any breakdown. I feel like writing them a letter asking them for a proper breakdown as I asked them for this on the phone and they didnt provide it. Its not been reopened tho but I think they can reopen it if I write to them. What do you think?

Their letter didnt say nothing to help me work out how they came up to the amount. I dont think I can work it out as it seems too complicated

So I need to work out what the interest of those figures was? Way too complicated and its going to take me ages. I phoned them up today and asked them to give me an explanation in writing how they came up to £54 refund. They said they will either give me a written explanation or they will reopen the complaint. So the complaint was already closed to them.