Thank you Andy, very much. Im not very computer savvy as you can see, but will have a read up on how to do that. Many Thanks.

Hi both Yes your right, its just the typical reply that I have seen on other threads here. As soon as I hear back from Cabot, I will have another go at uploading whatever they send me. I have to file my defence by 23rd August I believe, so hopfully get more info back in the next week, & Im reading up as much as I can on here about my defence, which Im still hoping is SB.

Hi guys heard back from Restons today with what looks like a standard reply, will try and post a pic of it below, telling me they are not sending me anything and advise me that I would have recieved a copy of the Agreement together with the contractual terms and conditions at the time the account was opened, and hope the letter clarifies that. I havent yet heard from Cabot as its only been 5 days. Also still waiting for Experian for my passkey to check my credit file online, although payment has gone through so hopefully should get that tomorrow. Still trying to find out when last payment was, found a box of old statements and papers tonight so will be going through those incase anything pops up. Will let you know when I get any further updates, cheers and thanks for your continued help. I think this pic may be too small but dont know how to enlarge it, any advice how to do that would be great.

Understood, thank you. All done & sent off. I'm sorry to be a bit slow, I realise timing is very important, but I'm looking after my ill mum as well as working full time, so I'm limited with my free time & tired. My apologies & once again thank you very much for all your help, you guys and this forum is brilliant and I'm very grateful for the help. As soon as anything is returned I shall update.

Hi Guys One quick question please, I was just about to send off my requests with no signatures as stated, however I have read quite a few threads on here where the requests were sent back to due to no signatures. I dont have a scanner to upload to get a digital signature and I dont want take a chance due to timing that it will be sent back. Any ideas, I was thinking maybe of signing it on top of my printed name? Would that work? Cheers!

I might try that if nothing comes back via my credit report, cheers!

Thank you both, very much indeed. I shall report back as soon as anything arrives.

Thanks for the help guys! I tried Noddle but for some reason it wont accept me?? I have paid £2 to Experian and they are going to send me a password within 5 days to view my report on line, hopefully I can then see what information it holds and how long ago the last payment was. I have aknowledged the claim online and im in the process of sending off the CCA and CPR, is there anything else I need to do, or do I hang tight until everything is back? IF it comes back and it is not statute Barred as I have made a payment or aknowlegment to them less than 6 years ago, what happens then, as I wont be able to defend it, so if I do all this online and then have no defence, is it an automatic judgement against me with the court demanding full payment? Hi Could somebody please help with a quick couple of question, is there a fee of a £1 for both the CCA and the CPR and do I still send the CCA to Cabot the claiment even though it says address for sending all documents to Restons Solicitors? Thank you for your help!

I cant remember the last payment, I have a feeling it was on or around 2005 but I may have aknowledged a letter in 2008 or 2009, We had a flood here 2 years ago, and I lost a lot of my old papers, statements and correspondence, so cant go back. I also due to debt problems changed my bank account in 2009, so cant go back and check there either. No never done a SAR, Thats something else Im not sure of, so need to read up on that and no I didnt have any missold ppi on it. Im going to fill in the acknowledge of service part now, and send off the CCA request, I think reading the forum there is also another one I need to send as well. cpr31? Would I have got the PRE ACTION conduct letter by recorded/special delivery? Im just wondering how I can prove I didnt get one if they argue that I did?

Hi I did miss some of the particulars out by mistake, but had edited it to add what I missed, so everything is now on there, sorry Im in a right panic, thanks. No I havent done any requests at all on this. Im just working through the stickys trying to understand what they all mean. I would like to defend but just not sure on what, im hoping to defend on the debt being really old and that i havent corresponded with them for 6 years and I have read that I should have had notice of court action. Will a CCA request give me a timeline of payments, and then if I go for defence and then find out its less than 6 years, can I still apply for time to pay by instalments or will it mean I have to pay it all in one go. Thank you so much for trying to help me, it really is appricitated.

Thank you Ford very much Name of the Claimant ? Cabot Financial Date of issue – 22 July 2014 What is the claim for – the reason they have issued the claim? Payment of the overdue balance from the defendant under a contract between the defendant and bank of scotland (AQUA CARD) dated on or about 02/07/2002 and assigned to the claimant on 15/03/2010 in the sum £1327 PARTICULERS a/c no xxxxxxxxxxxxxxxxx date item value 30/06/2014 default balance £1327 Post Refrl Cr Nil Total 1327 What is the value of the claim? £1477 Is the claim for a current or credit/loan account or mobile phone account? CREDIT CARD When did you enter into the original agreement before or after 2007? BEFORE Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DEBT PURCHASER Were you aware the account had been assigned – did you receive a Notice of Assignment? YES Did you receive a Default Notice from the original creditor? DONT KNOW PROBABLY Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I have recieved some but dont think its every year Why did you cease payments:- Husband left me and I just overspent trying to manage on my own Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managment plan? Yes originally I was paying a reduced rate but they were still charging intrest i believe so was getting nowhere

Hi there Hoping somebody can help me with a claim form I have recieved from Nottingham. I have been looking after my elderly mum at a different address for a week so Im in a panic as the claim form is dated 22nd July and from what I can see, I only have 14 days to respond. I dont deny I owe this money from way back but Im not sure the last time I had any contact with them, im sure I have put my head in the sand over this and now its come back to haunt me. The original debt was for Aqua credit card that I had in 2002, it was assigned to cabot in 2010. I havent had any notification from Restons or Cabot that it was going to court. The last letteer I had was from Cabot on the 7th June to say that Marlin was taking over the debt and a notice of change from Marlin, but no idea it was going to court. Is there anything I can do, or am I too late! The debt is for 1327 plus 80 solicitors and 70 court costs. Somebody told me it may be past the 6 years but after getting into debt when my husband and I split up, I did the really stupid thing of just throwing all letters away, so I have no idea when I last paid or spoke to them. Any advice would be much appriciated Thank You.