I have to day received a letter from FPC Debt Collection Services, which I note is part of Fredrickson International. It gives a reference number, and informs me that they have made tracing enquiries for confirmation of my current place of residence and that I should phone them to discuss the matter further. I am fairly sure that this relates to a Capital One account (pre-2007) which was in default around 6 months ago. I have recently changed address and had not updated it with them. As there is no specific mention of what the debt is I am assuming this is a preliminary phishing type letter, I was initially tempted to phone up and ask for the details, however I thought I had better post on here first. How should I proceed with this? Thanks Rob

Hello I have / had a credit card debt with Halifax which was defaulted over 5 years ago which I have been paying a small amount since direct to Halifax (debt is still in 5 figures). For some unfriendly reason the Halifax recently sold the debt to cabot. I received a letter from Halifax and in the same envelope was a letter form cabot also - so I do believe the debt has infact been sold and my credit file does show the Halifax acct as 'settled'. My questions though is it worth sending cabot a s77/78 request before I start paying them? having brought this debt, as it is a large amount I would expect they want to know they can legally claim it before doing so? The amount stated on their letter is also wrong (in their favour) by a small amount, but could just be as payments / letters have crossed. And if I do want to make payments, why do they not have their bank details on the website - they are essentially forcing people to make contact. I suspect I will have to continue paying this debt down (which is fine) but as is the case, just want to ensure it is all legal before doing so - thoughts appreciated. Regards Outadebt (oneday)

Name of Claimant - Cabot Financial (UK) Limited Date of issue – 8th September 2015 – issued counterclaim, defence dated by Mortimer Clarke Solicitors 14th September, received 18th September. What is the claim for (verbatim) – 1.By an agreement between original creditor & the Defendant dated xx/xx/2003 (“the Agreement”) original creditor agreed to issue the Defendant with a store card. The Defendant failed to make the minimum payments Due & the Agreement was terminated. The Agreement was assigned to the Claimant on xx/03/2015. THE CLAIMANT THEREFORE CLAIMS 1. 2xxx.x0 What is the value of the claim? 21xx.x0 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Store card When did you enter into the original agreement before or after 2007? Before 2007 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 - Cabot Were you aware the account had been assigned – did you receive a Notice of Assignment? Not aware and as far as I know not received Did you receive a Default Notice from the original creditor? No Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year? No Why did you cease payments? Waiting for SAR which was not received, in fact they took the £10 fee for full disclosure and applied it to the account instead. What was the date of your last payment? 1/09/2010 Was there a dispute with the original creditor that remains unresolved? Yes, made a SAR to original creditor which they never responded to, see above. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes and was making payments on this plan and asked for SAR.

Hello there, I have a problem with Cabot/Mortimer Solicitors. 6 years ago I had an agreement with cataloque cimpany, the last payment I made was in July 2009. It was the time when I split with my husband and moved out abroad. My (now ex) husband has moved out as well to another part of England. I wanted to pay the debt and even asked The company to send me details of their account and how can I pay from abroad (the last letter was in November 2009) but my husband has lost his job and did not pay me any maitenance for our son. I have started a new job but I had to rent a flat, pay bills and nursury. It was really hard time to me so I gave up for a while and.. forgot about debt. They company hasn't contacted me since January 2010. I came back to UK in Autumn 2011. At the end of May 2015 I received first letter from Cabot asking me to pay over £900. First I was in shock and than I started to remember that I had a debt in the Company but for ca £300. I really want to pay the debt but not in the amount they ask me to. I've received few more letters from Cabot and haven't answer them so they have passed the case to Mortimer Solicitors. I received a letter threatening court action and a CCJ. I have 10 more days to respond and here is my question: should I send them CCA Request first or send them my offer? Thank you in advance for all your answers.

Hi guys, Been a while. I'm helping a friend with this. He's received a court claim form from Cabot regarding a Vanquis credit card that was defaulted back in 2008. Surely thay cant proceed as its statute barred under the limitations act? How do we go forward? Do we submit a defence on the grounds of it being Statute Barred. Or do we defend by disputing the debt then put in an application to strike it out due to it being Statute Barred? Not sure if this makes any difference... He was a sole trader when he took the card out. He was a sole trader when the default notice was issued. He's not serviced the debt since 2008. He's now formed a LTD company and they have put this on the form along with his Company number. Does that make any difference? In hope. Toxic

Good Afternoon Hopefully I have posted this in the correct place I recently return from a job abroad since getting a new place started receiving mail from Cabot re an supposed out standing balance which they have bought (under 500) today I returned home to a letter from Mortimer Clarke telling me their client (cabot) has instructed them to start legal proceedings which would lead to a ccj they have recently added to my credit file a default but it also states this was default in 2011, some one has advised me to send a cca request but i am not familiar with this and whilst there is so much great information on this site, it has me a little info-dizzy. so I was hoping someone can assist thanks in advance

Hello, I wonder if anybody could help me. I came to the site from Google as I typed in some information relating to Cabot Financial and a Claim Form and somebody had already posted a thread a long time ago. I tried to follow the thread but I got really confused. I am feeling quite stressed about this issue so that may be why I found it hard to follow, so I appreciate if this sounds familiar to you already but I may need some step by step help. I would be so thankful in return. A few years ago I went travelling and I missed some payments on a Lloyds Bank Student Credit Card (£500 limit) and they labelled it as 'Default'. My mother had moved address while I was travelling and so I failed to receive any letters from them about this. I have no legal experience and stupidly thought that because it stated the account was 'Satisfied' the payment must then be erased and my punishment must be the 6 year Default on my credit file. I therefore pretty much forgot about it and carried on with life. I signed up for Experian Credit Report about a year or so ago. Suddenly I started receiving letters from a company called CABOT FINANCIAL about a debt I had to pay them. I stupidly ignored the letters as I hadn't heard anything about the Lloyds debt in years and so didn't understand why I had to pay another company a debt from years ago, plus I couldn't afford to pay them the £663 they wanted. I heard something years ago about if they are not able to contact you personally and get a response then they cannot claim anything from you. Eg. Never answering the phone or replying to letters. I now realise this is not the case as I have received a COURT CLAIM FORM from CABOT FINANCIAL. This is what appears on my credit file. LLOYDS BANK CREDIT CARD Default Date 27/01/2012 Default Balance £663 BALANCE: £0 CABOT FINANCIAL (UK) LTD Default Date 27/01/2012 (They certainly did not contact me until the last 1/2 years but the date isn't shown) Default Balance £663 1st Question: Can I have two DEFAULTS on my credit file for the same amount? Eg. Both Lloyds and Cabot for the one debt I had. 2nd Question: Can anyone help me to respond to the CLAIM FORM from the COUNTY COURT BUSINESS CENTRE. (Details below) CLAIMANT: CABOT FINANCIAL (UK) LIMITED ISSUE DATE: 15TH SEPTEMBER 2015 PARTICULARS OF CLAIM: Defendant entered into a credit agreement described by the original creditor as LLOYDS BANK CREDIT CARD and having account number **************. The claimant, a UK limited company is the assignee and legal owner of all rights previously enjoyed by the original creditor. Amount Claimed: £663 Court Fee: £60 Legal Representatives: £70 Total Account: £796 Do I acknowledge it, defend, contest it? I cannot afford to pay it. I am off sick due to anxiety and depression and only get £315 a month. I also have a Lloyds Current Account that has just defaulted due to not being able to pay and I have a £3000 Halifax bank Overdraft which is nearing the limit. I wish I hadn't buried my head in the sand but the anxiety stopped me opening the letters and these things don't go away. Sorry for the long post. I really would appreciate any help and advice you can give. If you need any further information please feel free to ask. Thankyou.

Name of the Claimant ? Cabot Financial UK Limited Date of issue – 13th April 2015. What is the claim for – The claimant claims payment of the overdue balance due from the defendant under a contract between the defendant and Peoples Bank dated on or about October 9th 2000 and assigned to the claimant on March 21st 2003. PARTICULARS a/c no 44************** DATE ITEM VALUE 26/03/15 Default Balance 2438.94 Post Refrl Cr NIL TOTAL 2438.94 What is the value of the claim? 2623.94 including all fees Is the claim for a current account (Overdraft) 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. Assigned, claim issued by debt purchaser. Were you aware the account had been assigned – did you receive a Notice of Assignment? Did not receive any NOS. Did you receive a Default Notice from the original creditor? Possibly but it was 15 years ago so can't remember. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Yes. Why did you cease payments? Financial difficulties. What was the date of your last payment? Unkown. 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 managementicon plan? No. I have submitted my AOS on the 16/04/15 and sent Cabot a CCA request with £1 payment. I know this was received but not heard anything back as of yet. I also sent Restons a CPR 31.14 request which was sent back to me as i had not signed it only printed my name. Is it required by law that A CPR 31.14 is signed?? was worried about the old copy and paste trick. Any advise on my next step would be greatly appreciated. Thanks Garry.

Hello, I am after some advise please to help with my defence as to whether I can seek and obtain copies of any transactions relating to my load account with Lloyds prior to the sale to Cabot and if whether the sell price can be admissible in the balance I should be paying to Cabot as opposed to what they've put claim in for. Recently been served with a CCJ for defaulting on installment repayment for an unsecured loan I obtained from Lloyds TSB in 1994. The agreement of sale points to this taking place in Oct of 2012. I need advise also on how and if I qualify for PPI , as this can perhaps be what I can repay the outstanding amount owed. The loan was unsecured.

Hi Everyone After a lot of searching on the web I've decided to bite the bullet and ask for some help as I have no idea what I should do about this claim. The details are as follows: 1. On the 26 Feb 2015 a claim was issued against me for a debt which I believe to be statute barred. The particulars of claim are as follows: a. The claimant claims the sum of 4,975.38 being monies due from the defendant to the claimant under a regulated agreement between the defendant and Barclaycard Littlewoods and assigned to the claimant on 28/02/2008 notice of which has been provided to the defendant. b. The defendant has failed to make payment in accordance with the terms of the agreement and a default notice has been served pursuant to the consumer credit act 1974. c. The claimant claims the sums of 4,975.38 and costs d. The Claimant has complied, as far as is necessary, with the pre-action conduct practise direction 2. On the 10th March I sent Shoosmiths a standard CPR 31.14 request and Cabot a letter stating that this debt is statute barred. 3. On the 12th March I received a letter from Shoosmiths telling me that they had requested the documentation from Cabot but had not yet received anything and were therefore granting me an extension to file my defence which I notified the courts of in writing. 4. On the 10th April I received another letter from Shoosmiths informing that they still hadn't received any documentation from Cabot and that the matter would be on hold until they do. I have taken no further action since then. My question for you guys is whether there is anything I can do now that so much time has lapsed to get the courts to draw a line under this claim. This is causing me distress and I would love to just have it done with. Any help you guys can offer me would be really appreciated. Thank you

Hi all, first post but have been doing some reading so hopefully we have a bit of an idea what we need to do and hopefully this post is in the correct place, if not, please feel free to move it! Back in 2008 due to family health and work issues, we ran into severe financial difficulties. We had several credit cards and came with to agreements with all but one to pay a full and final settlement. This all took us several stressful months to sort. We had defaults issued against us and began to manage our finances alot better. The one credit card company eventually moved our debt to a DCA but at no point did we respond to their letters or frequent phone calls. It now appears the old DCA has moved our debt on to a company called Cabot financial. It looks to be a fairly standard letter asking for the payment or for us to contact them to sort our an arrangement. Upon checking our credit files, I see all of our defaults are now gone and there is no mention of the outstanding debt. Do we simply contact the company using the following template? Letter M - Dispute your liability for a debt where a creditor has not contacted you for over six years If not, any advice as to what steps we need to take would be greatfully accepted. Thank you in advance.

Hi The other half had a ccj apparently through cabot - did the ostrich act and then hes now had an attachment of earnings form - didn't fill it in (he forgot) mr bailiff said hes got to go in tomorrow morning, collect document (assume its the form) else hes going to nick ! He cant go - no work no pay no job ! ive found the attachment form and just filled it in to post and made an offer - ive just been made jobless so hes paying all the bills now (not that they'll take that in to account !) will it be ok just to post this form and ill call in tomorrow and make a token payment (or call them - hope they don't give me grief!) yours a slightly worried becky x

I got a ccj form last week for a debt i owe since 2007. The details are as follows:- 1, the defendant entered into an agreement described by original creditors as Citifinancial credit card and having account no xxxxxxxx. 2, The claimant, a uk limited company is assigned and legal owner of the right previously by the original creditor in respect of the account. 3,The defendant is indebted to the claimant in respect of the acct in sum of £3000. 4, The claimant claim thesaid sum of £3000 plus costs. The claimant is Cabot financial UK and the ccj form was sent from County court business centre, Northampton. The last time i made payment to citi credit card was in Nov 2007. I have never responded to any letter from either Citi or any debt collectors. I am thinking this is a case of limitation Act 1980 which i would want to state in my defence. I haven't returned the acknowledgement of service form yet. Please i need help on how to go about it. Thank you MJ

Hello all, I really hope you can help me with how to handle this claim against me. It is regarding a Vanquis agreement from 19 May 2010. To cut a long story short, I was suffering from a gambling addiction and took out lots of payday loans and credit I could not afford. I have paid various debts back but could not afford all. I ended up with 5 defaults against me. With my credit file ruined, I kind of just buried my head in the sand, thinking I would have to wait a good 6 years to get back on track. I have lived in 5 addresses in the past 6 years. Without my knowledge, from nowhere, a County Court Claim form went to my old address (which belongs to my parent's). They do not open my post, and nothing important ever goes there. However, I dropped in last week and a claim had been sent. I could not contest it or even acknowledge it - I had missed the deadline by literally 2 days! When I logged in online, it said a CCJ was issued against me On Friday just gone, a further letter was received at my parents address - a NOTICE OF ISSUE OF WARRANT OF CONTROL It says on this letter that 'Unless you pay the amount due before 25 August 2015 the bailiff will call and may remove goods for sale at public auction' My elderly mother has opened this and is deeply scared. I have tried to do lots of research but do not know what my best option is. They are claiming £970.58 but I simply do not have this money or anyone to borrow that amount from. The original limit was £500 so I do not know why it is so high. I would have liked to have filed a defence, asking for proof of the debt etc as many people are succesful claiming against Cabot with Vanquis debt. I considered asking for it to be set aside, but I fear this will be declined? I did not update creditors with my various addresses. I have moved a number of times since then. If I ask for it to be set aside I fear wasting the £155 which I can ill afford. Or I could file an N245 to ask for a repayment plan? Is this still possible despite the Warrant being issued? I am really in a state of panic - my mum is in tears thinking the bailiffs will visit this week and take MY PARENTS goods to pay this old debt. I really hope someone can help... Thank you so much in advance

I have an old Provi loan, about 3 months from SB (Scotland) which Cabot now own. Had a letter from Shoosmiths a couple of months ago re legal action so CCA sent. Standard letter came back stating they were looking for agreement and reply after 40 days. Then after the 40 days, I received a letter saying they didn't have the agreement so although the debt was unenforceable they would still like payment!. Today I have received a reconstituted agreement which Cabot reckon is appropriate. However, there is no date, no signature and above all it is an agreement for a credit card which is not what the original debt is. I feel I need to reply pointing this out but don't want to acknowledge anything this close to SB. Any advice would be most welcome

Dear all, On Friday the 29th April I received a claim from Cabot/ Weightmanns lodged through the County Court Business Centre in Northampton. The claim relates to an old disputed overdraft. I am in a bit of a state and would greatly appreciate some guidance as the best way to defend against this claim. Please see below for details Name of the Claimant ? "Cabot Financial UK Limited" **Weightmanns LLP Date of issue – 24 April 2015 What is the claim for – "1. The defendant entered into a credit agreement described by the original creditor as XXXX- CURRENT ACCOUNT and having account number XXXXX ("the account") 2. The claimant a UK limited company with company number 3757424, is the assignee and legal owner of all rights previously enjoyed by the original creditor in respect of the account. 3. The defendant is indebted to the claimant in respect of the amount of £2500 4. The claimant claims the said sum plus costs." What is the value of the claim? £2500 plus costs The claim is for a current account (Overdraft) When did you enter into the original agreement before or after 2007? The account was entered into circa 2001 The account is assigned and it is the Debt purchaser who has issued the claim. Were you aware the account had been assigned – did you receive a Notice of Assignment? I didn't receive a notice of assignment but Cabot registered the same OD debt as a "default" in Aug 2014. They then sent me a spurious "statement of accounts" and letters relating to my "account" with them. Did you receive a Default Notice from the original creditor? not to my knowledge Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Dormant student overdraft, the bulk of balance was made up of overdraft charges *I wasn't receiving correspondence at the time* and the account went into arrears. Disputed with bank, as I was unemployed at that time and I felt the volume of charges was unfair. What was the date of your last payment? Circa late 2009 Was there a dispute with the original creditor that remains unresolved? YES Did you communicate any financial problems to the original creditor and make any attempt to enter into a DM plan? Yes the bank put me into debt management plan without my knowledge, I attempted to reclaim charges at the time and communicated my personal financial difficulties. Bank put my AC into arrears and closed it in 2010. Many thanks for an advice, it's hugely appreciated.

Hello All, Can someone help/advise me please? I am feeling stressed at the moment so will post the outline of what has happened. I know that you might need further information to possibly try and help, so please tell me what information I need to post and I will try and do that. Basicallly, I took a loan out on in April 2007 and continued making payments on it. Some time later, I stopped making payments and was relying on Payday Loans. I was making payments to a doorstep collector and when I found out that I did not have to do that, I basically stopped. I have now received a Claim Form from the Northampton County Court stating Mortimer Clarke Solicitors have referred the matter to court. When I was checking the "penalty" charges that Welcome had levied on my account, I questioned these and did not receive a satisfactory response from them. I then referred the matter to the Ombudsman who stated that they could not see these charges added on and I was advised to pay Welcome. I have default notices where Welcome have added approximately £500 in charges and I do not know the amount of interest this has generated. The "accounts" Welcome have sent to me in the past have shown an "adjustment", this adjustment is basically the total of what they are now claiming I owe them. I have read the other threads on here and know that I have to acknowledge service of the claim form. Can someone advise/tell me what else I can do please? Thank you

I have two CoOp credit card debts, of £2,700 and £9,000 respectively. Although I'm not convinced that they hold enforceable CCAs or were defaulted correctly I did agree with them in 2010 to pay £1/month into each account in return for an interest freeze. In 2013 the CoOp told me the debts had been assigned to Cabot but that payments should continue to be made to Fredrickson, who manage them). I've maintained these monthly payments by SO throughout. At the beginning of the month I received a letter relating to each account from Debt Managers (Services) Ltd claiming that they were now managing the accounts on behalf of Cabot and that I should pay the SOs to them instead of to Fredrickson. I've heard nothing from Cabot or Fredrickson. Debt Managers have phoned several times but I've refused to go through their security checks and told them to supply some evidence of the transfer. I notice, also, that in both cases the last digit of the quoted credit card account number is incorrect and the reference numbers don't match Cabot's, although the debt totals seem OK. Should I do any more? Anyone any experience of them? I don't want to waste time and money making a CCA claim without good reason.

Evening all, I was advised be a relative to pop on here as they said you guys would be able to help. I received a claim form from the county court claimant - Cabot Financial UK and Weightmans LLP representing,in relation to a outstanding capital one credit card. I had this card around 7/8 years ago and to my knowledge i never made a payment. I've joined Noddle and cannot see any reference to this account so its well over 6 years old. I've read through the paper and cannot find any dates on here when they say i had the card and when I defaulted on my account. obviously its very worrying as now ive got a family. i thought all debts were statue barred after 6 years? If i point this out to the website moneyclaim would they care or would it be ignored. Thanks

Thanks for taking the time to read this, I'd be really grateful for any advice please. I had two accounts which were sold to Cabot, they wrote to me in July 14 and then issued a MCOL case ten days later via Restons claiming £7,138. I part accepted the claim but said that the figures were completely wrong and I only admit to £1,000 of the claim. My response was received in time by the processing centre and I then heard nothing until March 2015 when I received a letter from Restons advising that their client was still trying to get together the paperwork. I then got a letter at the start of July 2015, again from Restons advising that they were intending to accept my offer and needed a full income and expenditure to be returned IMMEDIATELY!! I wrote back to them and said if they meant my £1,000 offer I would pay that in return for them stopping all action and confirming in writing that this was in full and final of both accounts. I heard nothing so phoned them and they are adamant that they can't consider my one off payment without a full income and expenditure - silly. I have contacted the central court who confirmed the case has become automatically stayed as more than 6months X days has passed since the original claim was submitted and Restons only action was to file for automatic judgement (sorry if that is not the right term) three days after my part acceptance was returned, otherwise the court has heard nothing from them. My questions are therefore 1) As the case is stayed should I bother with the income and expenditure or just chance the fact that they won't do the necessary paperwork and cost to get it unstayed (given that they couldn't get the paperwork in time first time)? 2) Should I pursue them with my offer or just leave them now to reply if they want 3) Should I apply for a set aside and if so what are the risks of letting them open the case again? Sorry for the long winded explanation, hope you can help.

Hi, Great resource and wish I had the knowledge to help as so many of you do. Perhaps they way I can help is tell my story and have the advice here that may help put someone else mind at rest. I have received a summary cause summons from cabot today. Relates to old clydesdale loan. My business went under in 2009 and everything pretty much went to pot. Struggled to pay my bills for a while then the defaults kicked in and had house repossessed after a a few painful years (another story sold cheap so owe the bank still) I have not heard anything on this debt from CB for years or any DCA - Cabot that i can think. I have not received any assignation letter from either. The loan account number still appears in my online banking but for as long as i can remember the balance is 0 it has been like that for at least 2-3 years. I thought it had been written off or wait a sec maybe it was assigned way back just not clear as to that but certainly not assigned this year. I am a little confused if it is an enforceable loan why CB are not pursuing, me still bank with them. If it was assigned way back why are they claiming just assigned in last 5 months? The amount is £4500 so it is summary cause and not small claim. There is no supporting documentation in the summons other than the details in the statement of claim paragraphed as follows- 1) Jurisdiction 2) The loan account details, that it was under CCA1974, was assigned earlier this year, last payment 2011 3) Outstanding balance £4500 not maintained the agreement 4) Called upon to make payment I have refused and action rendered necessary. No detail here other than account number, does not note original amount or monthly amount or period of the loan. So first instance will try and get it dismissed but they can lodge again at the correct court so ultimately will have to deal with this. Two things summary cause scares me as unsure what the expense they are allowed to claim, small claim is restricted, so advice on this would be great. Secondly how to proceed without damaging the time bar. 1) They claim 2011 last payment but I think would be 2010 2) Assignation - no letter 3) Is it enforceable how do i best get the details from cabot and cb. 4) Use incourt debt advisor from a debt charity if they talk on my behalf with DCA does this affect the tim bar. The return date, when i have to respond to the court is 27 July and calls in court where it is decided if it will go to full proof hearing on 10 august. If it does go to proof it will be sometime in November I would imagine should I not get it thrown out for jurisdiction. So should I CCA or SAR Cabot and Clydesdale I don't think i should engage their solicitor at the moment as technically they do not need to give me anything until 14 days before the proof (i think that is right). I have made contact with a local debt charity which has incourt service advice though i don't think they will appear. They will talk to your creditors though so will try and see them later in the week. If they get in touch, think i sign a mandate to allow them to, does this affect the time bar. A few years ago this would a be a very dark place for me tonight, I tried to do something really really stupid that did not work and so I now live life to the full everyday. I really don't get affected or worry about this crap any more I just need to work out how to react to the various outcomes. Thanks for reading and thanks in advance for any advice. D

Good afternoon I have been pointed in the direction of this forum after receiving a claim form for what was originally a vanquis credit card debt, card was taken out in November of 2006 I have been reading some threads with similar circumstances to mine but I would still like some advice please from anyone who would be able to help me. Name of claiant? Cabot Date of issue? 1 April 2015 (rubbish April fools) What is the claim for? The claimant claims the sum of £592.22 being monies due from the defendant the claimant under a regulated agreement between the defendant and vanquis and assigned to the claimant on 9/2/2015, notice of which has been provided to the defendant. 2. The defendant has failed to make payment in accordance with the terms of the agreement and a default notice has been served pursuant to the consumer credit act 1974 3. The claimant claims the sum of £592.22 and costs 4. The claimant has complied as far as necessary with the pre-action conduct direction What is the value of the claim? £722.22 Is the claim for a a current or credit/loan account or mobile phone account? Credit card When did you enter into the agreement? Nov 2006 Has the claim been issued by the original creditor or was the account assigned and is the debt purchaser who has issued the claim? Dca Where you aware the account had been assigned, did you receive a notice of assignment? I received a letter a few weeks back, buried head in sand, didn't read it and binned it. Did you receive a default notice from original creditor? Quite possibly, again I've had finance head in the sand Have you been receiving statutory notices headed notice of default sums at least once a year? Not sure, as above answer sorry. Why did you cease payments? Massive change in family life jobs move of area financially stumped for about 12 months What was the date of your last payment? Early 2010 I think, could be sometime in 2009 Did you communicate any financial problems to the original creditor and make efforts to enter a debt management plan? I did yes, for sometime vanquis set up some thing on the account that reduced payments for a while, unsure as to what this was but it was only for a total of three months, this made litte or no difference to the account. They kept adding on charges that increased my bill mAssively. Pretty sure the original limit on the account was only £200, at most £250 yet now stands at £522 so most of this is charges, infect over half the debt is charges. I need help in order to resolve this. I did have a credit card with them but never for £522. Can they get away with inflating the bill with charges. I have read on here about a cca? Please could someone explain this to me and how to move forward? Thank you in advance

Hi, I have been a member of CAG for years and have used your excellent advice to claim back bank charges back in the day. unfortunately i have an issue which needs a little more tailoring. i have received a court claim dated 24th November from Drydensfairfax solicitors / Cabot Financial for a very old (July 2006) Premier Man account. If i remember correctly (need to dig out all the paperwork) but this was a small debt I must admit i should have dealt with this many years ago but i guess i hoped it would go away if ignored. i have kept all the paperwork but do not have a default notice or any correspondence from Premier Man of any intention to transfer the debt to a DCA. The POC reads:- The Claimants claim is for the sum of £16xx.xx under an agreement regulated by the consumer credit act 1974 between the defendant and Premier Man Account number Nxxxxxxx and assigned to the claimant on 13/01/2012, notice of which has been provided to the defendant the defendant has failed to make payment in accordance with the terms of the agreement despite requests for such payment. and the claimant claims the sums of £16xx.xx together with costs i will be making a CCA and CPR 31.14 request tomorrow. any advice you can offer would be welcomed and appreciated. thanks in advance C22

Hi all, Really looking for some help with some recent and out of the blue letters from Cabot Financial. In the last week I have received letters about 2 debts, I will cover both separately. Next Retail - Retail credit - £1200 I received a letter late last week or early this week dated 27th June, telling me I owed them money and to call them etc. I then received another letter today dated 4th July - basically saying they had decided they were going to take court action against me and seek a sheriffs court decree for the debt. Help what should/can I do. I haven't had any correspondence about these debts for years - I know they do not appear on my credit file with any of the agencies, I have checked all online recently, I cannot remember making any payments to them. Vanquis - £750 I also received a letter dated 1st July saying I owed them money from a Vanquis credit card, again similar to the above I have not had any correspondence from the for years and don't recall making any payments to them. However I am now worried I will have another letter in it's way shortly similar to the decree one above. I am currently unemployed after being made redundant and am only on job seekers and housing benefit, my wife works but is not on a significant income. These debts can from a 1st marriage which ended badly and I was left with all the debt, including a joint bank account overdraft, we also have a young child and really cannot afford to pay out anything more than we are already doing. Over the years I have managed to get my credit sorted out and have been rebuilding and a lot of my defaults will be dropping off my file in the next 12 months or so, I am now worried that if they take action I will be screwed again for another 6 years and it will seriously impede me getting another job as my background is in the financial services sector and these all carry out credit checks etc. Please can someone guide me on the correct steps to take and the quickest way to stop them taking any court action against me? Regards Bingo

Hi, this is my first post. I'm having a few problems with Cabot Financial. In 2002 I had a credit card with Morgan Stanley, everything went well until I was made redundant in 2003. I got into quite a few problems with cards loans etc, as I didn't have enough money to pay everybody. I went to the CAB for help, and they sorted things out for me. I was paying off this credit card at £35.00 er month. I have never had any statements or payment advice from Cabot at all. After I saw your forum late last year, i read quite a few posts and realised I was probably being "Cash Cowed" by Cabot. I stopped making payments and sent Cabot a request for CCA and payment statements. I got nothing back time within the statutory timescale. Then I got a letter from Mortimer Clarke Solicitors, saying if I didn't ring and make a payment arrangement, they would take legal action against me. I wrote to Mortimer Clarke, and told them I had asked for CCA from Cabot, and was waiting a response .I also asked them to take no further action until they had contacted Cabot, to ask why I'd had no response to the CCA request. Now I've got Claim form from Northampton bulk centre. I have never had a Goldfish card, so unsure what that's about. They say the agreement was terminated, so if there's no agreement, how can it be assigned to Cabot ?. Also the amount owed seems to be the same as it was in 2003, where's all my payments gone?. I could do with some help with filling out the claim form correctly. Any help would be much Appreciated Thanks....