Hi All Received a letter from Mortimer Clarke today regarding a debt to Cabot Financial. Letter claims their client obtained a judgement against me on 04/02/2016. First paragraph says "Because you have failed to pay the judgement debt in accordance with the terms of the judgement our client is now entitled to take action to enforce the judgement order against you. Our client has instructed us to apply to the County Court for an Attachment to Earnings order to be made against you." Final paragraph says "If you do not contact us within 7 days , then our client has instructed us to apply for an Attachment of Earnings Order against you." Notes: 1. I have checked Trust Online for my current and previous 3 addresses and there are no ccjs registered against me. 2. I did not receive any correspondence threatening to take me to court, advising I was being taken to court or asking if I wished to defend and finally I did not receive a judgement. 3. The letter makes no mention which court they obtained the judgement from or any judgement reference number. 4. The debt is from 2007 and I believe it may well be statute barred now. Can anyone provide any thoughts or advice on how I should proceed at this point? kind regards

Hi guys starting a new post.. on Cabot, i've done the CCA on 5 Accounts i got with them, no come back on any CCA just the norm letter saying we will look in to them. i also sent a letter for telephone harassment, had the responce saying that don't apply to them but they will stop the call/txt. But as i thought it did not stop. i've added the letter they sent back.. what would be my next move? Fone 2-2.pdf Fone 1-2 - post.pdf

Hello I'm new here.. hope this is the right place to post! I need some help if possibble with the following: Had a very old MBNA account.. that was sold to Hillsden securieties around 2005. A CCJ was obtained by Hillsden in around 2008/9 and has been paid as per order without fail ever since. Recently I have had letters from DLC (hillsdens managing agent) and Cabot Management group..informing me that the account is now owned by Cabot/ME111 and to now contact Mortimer Clarke Solicitors to change payment to them. However I do have an issue with this. I m a bit worried that by paying Mortimer Clarke I will be defaulting on the CCJ which is to pay Hillsden (who was the claimant). And I don't know what to do so if anyone can clarify this i would be greatful. Thank you

Hello I think I've royally messed up with something and am looking for some advice please. Tonight I was having a tidy and have come across a claim form which I hadn't noticed or even opened. The issue date is the 28th June. I've gone onto MCOL and tried to request 28 days as opposed to the 14 but I suspect the clock struck at 16:00 this afternoon. I'm just looking for words of wisdom on how to proceed please. I know I've been stupid and didn't even see it mixed in with a load of rubbish that usual rubbish and takeaway menus that graces my letterbox. I've included the details below but it's probably a bit late for that. ----- Date of issue 28th June 2018 Particulars of Claim 1. Monies due under current account overdraft. 2. The Claimant's claim is for the balance outstanding under a Bank account facility Yorkshire Bank agreed to maintain for the Defendant. 3.It was a term of the Bank account that any debit balance would be repayable by the Defendant in full on demand.n 4. The Defendant has failed to repay the amount due. 5. The debt was assigned to the Claimant. THE CLAIMANT THEREFORE CLAIMS 2139.55 2. Costs Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Not that I am aware of. What is the total value of the claim? 2324.55 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Overdraft When did you enter into the original agreement before or after April 2007? Before, probably late 90's. 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. Cabot. Were you aware the account had been assigned – did you receive a Notice of Assignment? I'm not sure but I have received letters from Cabot. Did you receive a Default Notice from the original creditor? I'm not sure. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I don't think so. Why did you cease payments? Personal problems and financial difficulties. What was the date of your last payment? Probably 2013. Was there a dispute with the original creditor that remains unresolved? I stopped using this account and the debt has now been sold to Cabot. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan No. ----

Hi I wonder if anyone can give some advice please I had a personal loan in 2006 for around £6000 which regularly paid for two years. Unfortunately 2008 I was diagnosed with cancer and had to go to hospital for various ops etc As 1 was unable to work I fell behind with the payments and was defaulted. I then set up a repayment plan with the dept collector of £5 a month in which I paid for around three years I then stopped paying when I discovered that the credit collect had to prove the dept. I then received court summons from Cabot in he post in late 2016. I defended the claim by asking them to prove it letter. The summons was the discontinued by the court and I have not heard anything else from them until last week, they have now sent me all the documents that I have asked for signed loan agreement and statements etc In the mean time my cancer has now progressed and I have been diagnosed terminal 1. my question is have they now got a good case and will I have to pay. 2. should I write to them and tell them, about my illness and give them copies of the hospital letters Kind regards William

Hello, I have a disputed Cabot debt of between 5-10k which was sold on to them by my former bank a few years ago. I had previously written to my original creditor with a CCA request, allowing them 12 (+2) days to provide the requested documents, then received a letter from them saying they were going to comply with my request and get back to me. I didn't hear anything from them again. The bank then sold the disputed debt to Cabot. I wrote to Cabot earlier this year with the following: I refer to previous correspondence in relation to the alleged agreement, copies of which are attached. The letters refer to a formal request under the Consumer Credit Act 1974 sec. 77-79 for a true signed copy of the alleged agreement referred to in the above account number. I would like to point out that this alleged account is formerly in dispute. The original creditor failed to comply with my statutory request within the allowed time limit of 12 (+2) days and have defaulted in respect of this alleged agreement. Additionally, this alleged agreement is unenforceable until such time as the default is removed or enforced by a court of law. Under FCA rules it is a further offence to attempt to enforce this alleged agreement until such time as the default is removed. Please be aware that I will not hesitate to report the unlawful sale and collection activity of this alleged debt to the appropriate regulatory authorities including, but not limited to, Trading Standards, Information Commissioner’s Office, Financial Ombudsman Service, if further demands for payment do not cease immediately. However, after blocking their number I am still getting text messages from them asking for me to call them quoting their reference number. After the last text, I phoned them to ask what they wanted to speak to me about, and they reminded me that I still owe the debt. I said that I do not acknowledge the debt and that it was unenforceable. They then gave me some rubbish saying by confirming my name and date of birth I am acknowledging the debt is mine. They have my old address and have probably been sending demand letters there. Would it be wise to write to them, asking them to stop harassing me, and give them my new address just in case they decide to issue a court summons as I don't want to risk getting judgement by default. I should point out that the debt is now 6 years old so doesn't appear on my credit file. Thank you for your help.

Hello All, I'm not sure where to ask this question so move it if it's in the wrong place. I have a defaulted account with Capital One (last payment 1/10/10) it has now been bough by Cabot and the have re defaulted it from 1/11/15. Is the correct and ok to do? I know Cabot are diddley so want to be sure? Surely if it was already default, they can't re default it?? Thank you for your help

name the issuing court: Airdrie Sherriff Court Who Is The Claimant: Cabot Financial Uk Limited Who Are the Solicitors: Nolans What type of action? (simple/Ordinary): Simple What is the claim for – 1.On 17/10/2011 the respondent entered a mail order agreement with next directory under which the respondent borrowed from them a sum of money repayable on demand. The said agreement was an agreement regulated under the consumer credit act 1974. The respondent failed to pay as agreed on demand and is in breach of contract with the said next directory. 2.The said supplier assigned all rights in the said debt to Cabot financial uk limited on 05/01/17 and the claimants have advised the respondent of the same. 3.The last payment was made to account on 16/04/15 the said sum of £2416.82 is the sum sued for. 4.The claimants have made frequent requests to the respondent to make payment of the said sum but the respondent has refused or delayed to do so Last Date Of Service:- 24/01/18 Last Date For Response:- 14/02/18 What Documents are listed in Box E2: Credit Agreement (I think) Is the claim for a Overdraft, credit card, loan account, HP Agreement, Catalogue or mobile phone debt : - Catalogue / Store Card BOX D5 what has the claimant state: from your knowledge: answer the following: When did you enter into the original agreement before or after 2007? After 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? Unsure Did you receive a Default Notice from the original creditor? Unsure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Don't think so When was you last payment:- 16/04/15 Why did you cease payments:- Financial troubles / health issues / off sick 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 management plan? No I have been reading on here for a while and have already sent off my cca request to Cabot. Is there anything i should do while i wait a response ?

Hi Folks I received a letter from Cabot Financial today saying "you account is now being reviewed to determine whether we should commence legal action against you" I defaulted on a number of accounts in 2008 and have been paying a token £1 payment to all creditors since that date up until the start of this year 2015. None of the original debts are on my credit reference file anymore so i stopped paying the token amount around this time to see how things panned out. I've hardly heard a thing from any of my creditors apart from Capquest and Cabot who both took over different accounts. Capquest have been fine for now but cabot are being VERY persistent and have been sending letters almost weekly since April this year culminating with the letter i received today. To clarify. Cabot currently own two debts, one being from an old Halifax overdraft of £2k and the other a Barclaycard default of £7k. The letter i received today if referencing the Halifax account only but i presume i have another letter heading my way regarding the Barclaycard account also. A quick look on the site i see they are actually pushing through with these threats so im asking for some advice on this matter from anyone qualified to hand it out. Any opinions are most welcomed. Many thanks!

I hope I am posting this in the right place. I had a DMP which I cancelled after advice on here (thanks guys). Three debts, all with Yorkshire Bank. Cabot says that they now own all the accounts. I wrote to Cabot with a CCA request and they wrote back saying that they didn't have it but they would try to get it from the OC. Much later, they wrote to me again saying that as they couldn't provide the information I requested, that the debt was unenforceable but they would appreciate my payment as I still owe the money. Since then, I am being contacted several times a week by Cabot and so I wrote to Cabot twice, asking that they contact me by letter only as I do not have the facility to record phone calls. They are still contacting me by phone and letter. The letter offers me a payment plan. They have still not sent me the information I asked for. Is there anything I can do to stop them contacting me? And the debt is still unenforceable, right? Many Thanks

Hi everyone, I need some advice on a credit card debt and a loan debt. I used to live in the UK but left in 2009. I have a credit card debt of £3000 and a loan debt of £11k. Both accounts are with Cabot Financial. I used to pay very little (between £1 and £10) towards the credit card debt, on and off over the past 9 years. I recently got a letter from Cabot saying that they instructed Moorcroft to arrange a visit at my home so that they can put me back in touch with Cabot. I have my address in Poland but am not really there very often. Regarding the bigger loan debt, I haven't been paying anything toward that account, I think, for at least 6 years and haven't communicated with Cabot about this debt. The question is, can any of these debts be cancelled? And what about Moorcroft in Poland? Any advice is greatly appreciated.

Hi all I received a claim form dated 20th Mar 2015 in the County Court Business Centre Northampton. The claimant Cabot and Solicitor Weightmans LLP for a Capital One Credit Card defaulted on. On the 30th March online with MCOL I filed an acknowledgement of service that I intend to defend all of this claim. With work, family and illness it has now I believe gone past the 28 days to file a defence. Is it too late to file a defence now? Having had chance to read this forum is it too late to send off the CCA and the CPR31.14 now? I really do need some advice quickly. If anybody can help it would be appreciated Thanks

Hi guys Around 2 years ago, I asked Cabot for a CCA request for a loan i had. They said at the time that they couldnt find the documentation so it was not enforceable. Ive recently had a letter form them saying they have now found this CCA agreement and that the debt is now enforceable! Theyve sent me a reconsituted copy but im wondering if this is now a debt i have to pay? If you look at the scan ive added, it looks like the document is missing something, and also surely there would have been more than 1 page of t&c's?? Is there not a time limit that they have to provide me with the CCA or its not enforceable? i ve read they committed an offence but that doesnt really help me in this situation Anyone know if this is now a debt again? i cant find anything similar to this anywhere thanks Scan 1 copy.pdf

Hello everyone, I'd really appreciate some help with a claim form that I received this week. Name of the Claimant ? CABOT FINANCIAL (UK) LIMITED Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 05 JAN 2017 Date of issue 05 Jan + 19 days ( 5 day for service + 14 days to acknowledge) = 23 Jan + 14 days to submit defence = 6 Feb (33 days in total) - Correct Think these dates are correct. What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. Monies due under current account account overdraft. The Claimant's claim is for the balance outstanding under a Bank account facility LLOYDS BANK agreed to maintain fir the Defendant. It was a term of the Bank account that any debit balance would be repayable by the defendant in full on demand. The defendant has failed to repay the amount due. The debt was assigned to the claimant. THE CLAIMANT THEREFORE CLAIMS 1100 What is the value of the claim? 1100 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Current account When did you enter into the original agreement before or after 2007? Account was opened in 2001 but not sure what year the overdraft was arranged. 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? Probably, I'm not sure I don't recall Did you receive a Default Notice from the original creditor? Probably, I'm not sure I don't recall Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not sure Why did you cease payments? Following a relationship breakdown in 2010 I was unable to maintain repayments to creditors. I entered DMP with Payplan 2011 but due to health problems in 2016 and a reduction in income I was no longer able to maintain DMP payments and the arrangement ended. I set up a reduced agreement with my creditors but missed this one. What was the date of your last payment? March 2016 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 management plan? Yes DMP arrangement was in place until March 2016. Ive looked through the forum and began the acknowledgment of service (defend all) and I've got my CPR request letter ready to be posted. the bit I'm not sure about is the I intend to contest jurisdiction tick box. I'm not sure what this means and should I tick it or not? Thanks

Hello All, I have received a letter telling me an old HSBC Credit Card was sold to Cabot Financial today and that they would be in touch shortly. The account is not statue barred. Whilst I am happy to enter into a repayment plan, I want to make sure that they have all their ducks lined up and have all the correct paperwork. I originally had a dispute with HSBC after they blocked the card on Christmas Eve and that very nearly left me stranded Birmingham Airport over the Christmas Period. At the time there were plenty of funds available on the card and it was the only card I had on my person at the time. Long story short I phoned them on the day asking why the card was not working and noone could explain it to me either. I was promised several callbacks which they never made and a resolution the same day which also did not materialise. As I couldn't buy the train ticket I needed, I had to take several buses to my Christmas destination which in all took over 10 hours to complete a 60 mile journey.......... As I hold an ENCTS pass this journey cost me nothing but did cause considerable inconvenience at the time. I made a complaint at the time and whilst they acknowledged the complaint, they did not respond and when it came to them wanting something (i.e. to pay the bill) I refused until the complaint was resolved to my satisfaction. Apparently they had nothing on file and still did not know the reason for the failure of the card. This contradicted what I was told on the day of the failure which was "A Back office team is working hard on this as we speak and it will be resolved shortly" which now appears to be from my perspective a complete lie. Fast forward to the issue at hand now, I received a letter that the account has been sold to Cabot Financial and that I will begin a game of letter tennis within the coming days. How is it best to proceed from here. I don't particularly want to furnish Crapbot with too much information. But I'm happy to do my homework and see what happens. Debt is for a Credit Card approx £1,800 I don't doubt for a second that Crapbot will take legal action eventually but I'd rather give them notice as it were that I know how to handle this matter. I'm thinking just a bog standard CCA Request uncrossed postal order and see what they come back with? Perhaps a SAR to HSBC as well?

Hi, Could someone help me please? , complete noobie questions below:- I've been out of the country and been sent a claim form from the County Court Business Centre for a claim from a 10 year old Halifax credit card debt for £1600 plus £105 court fee and £80 legal representative costs. I have been receiving calls from these people but i just thoiught they were PPI calls. This claim form was sent on 6th April (I flew abroad 7am that day) but i've logged onto the portal (22nd April) and filled in the AOS form to extend, i'm not sure if this will still be possible to do? I may have paid small payments to this debt a long time ago but to be honest forgotten about it, got my credit score back up high and then this lands through my door, i really don't want a court judgment on my credit file. The debt doesn't even show on my credit reports from various agencies. I'm not even sure about how much the original debt was and how much credit was put onto it etc. Could someone help me please in the reply to the court or give me any pointers/online helpers? I really believe that this debt could be Statute Barred. Any help would be greatly appreciated, my main concern is not to get a mark on my credit file and I really don't want to pay a DCA the full amount but would consider a part payment. I'm not even sure if it's gone past that stage that I cannot offer part payment out of court? Thanks in advance x

I have a bit of an awkward situation that I can't see anywhere else. I had amassed some debt and in November 2015. I contacted a debt charity at 4am by email and they locked into action immediately and helped me. By 14 December 2015 an IVA had been agreed between the financial company and creditors and now paying that without having missed any payments. However, in the November, whilst my IVA was being set up, I was advised to move my bank account from Santander as they would likely lock my account upon receiving this email IVA request notice. I moved my account in November 2015 to First Direct. The account they provided me with was a Credit Account with a £500 overdraft and I applied online with no prompt to read any T&C's that I can remember and no paperwork received with the exception of my bank card and it's pin. In the first couple of months I had planned with my financial advisor handling my IVA what debts to include. To help reduce the IVA amount, I used most of the £500 overdraft on the First Direct account to clear one of the debts and then I would work the overdraft down over time. Out of the blue, and with therefore no notice, I received a letter from First Direct in March 2016 stating that they would close my account because I was in an IVA and this breached their current account rules and that they would close it in May 2016, giving me 2 months notice. I rang First Direct immediately upon receiving the letter and was essentially told to pay back the overdraft before the account closed and that was my only choice. In May 2016 I rang First Direct again and explained I was still in IVA as they know so couldn't pay off my overdraft in one go like that and had planned to work it down over time that had now been taken away from me at their choice. I was told that they would send me a form once my account closes to complete to set up a repayment plan that would be affordable to me and take into consideration my IVA. This is where my problems began to escalate. I never received any form from First Direct. I emailed them to ask for it in June and July 2016. received responses stating they couldn't discuss my account unless I rung them, which I was suspicious about as surely they must contact on the method I request? I managed to go out of my way and visit a HSBC some miles away and ring them. They agreed to send me the form that they hadn't sent previously. I then waited some weeks and received no form again. Instead, some weeks later I received a letter with a debt collection agency header on it asking for £512 that I now owed. I replied by email, copying in First Direct, explaining that I was still awaiting the repayment form and then never received a response from First Direct nor the Debt Collection Agency. Some weeks later I again got a letter from the Debt Collection Agency, again replied by email copying in First Direct and attaching my previous email and again never got a reply. A couple of months later I then received a letter with a different Debt Collection Agency header. Again I replied with the same email, attaching previous emails and copying in First Direct, and again I received no reply from anyone. I then sent an email to First Direct a few times over the next few months asking for the form and kept getting the same response as before, that they cannot discuss my account. In mid April 2018 I received a letter from Cabot Financial asking for repayment of the £512 for the HSBC debt and that they had bought the debt in August 2017 but weirdly apologised for taking until now to write to me about it?! A day later I received a letter with HSBC header dated BEFORE the Cabot letter chasing repayment for £512 debt. a couple of days later I received another letter dated AFTER the Cabot letter from HSBC saying they had now sold the debt to Cabot and to now deal with Cabot on it. This all seemed very odd to receive these 3 letter within a few days, seemingly contradicting each other and confusing, one claiming Cabot had purchased the debt in August 2017 and one with HSBC dated before the Cabot letter asking me to repay them (and not Cabot). I have replied by email to Cabot and asked for no email or telephone contact and no visits to my home and that I would only correspond in writing and that I would write to them in time on this. I'm now in a position where I am looking for above on what to next. Any help would be much appreciated!

Hello Everyone I started getting letters from Nolans probably around 2 months ago about a Personal Loan debt that was from years ago. The debt is not on any of my credit files so it was a surprise to get a letter from a sols about it. Its a Sainsbury's Bank Loan for £16k that i took out on 9/7/09, very shortly after (around 6 months lost my job). I had been making token payments of £20 per month to originally Blair Oliver & Scott who after around 1 year, passed the debt to Cabot around Nov 2011. I continued the £20 per month till around Jan 2016 then I lost my job again, and couldn't pay at all. If I am being honest, i thought due to the time since i took it out (8years ago) and the fact that it was off all 3 credit files (equifax/Experian/Callcredit) It had been written off by the creditor. Im always weary with debt letters as the terminology is always "we may" and very rarely "we are doing" but being so close to having a clean credit file the letter has came as a bit of a scare. Any advice? I can post a copy of the letter with personals omitted if it helps?

Hi Cabot have sent me a reconsconstituted credit agreement and believe it is enforceable can anyone have a look for me, thanks in advance Another page docs1.pdf

Hi everyone just need some pointers I've acknowledged the claim on the date provided. I know I'm supposed to send letters but will it be enough time now for me to get a response? I'm worried am I too late? Will I have to submit a defence now? Please help me with my best course of action. 28 days plus 5 for service gives me 13th march 2018 to file defence is that right? Do I need to agree an extension with shoosmith in order for them to send me docs at this late stage? Received a claim? Yes Issue Date: 8/02/2018 Have you Acknowledged the Claim?: Yes, 20/02/2018 Total Amount Claimed:£521.86 Claimant’s Name: Cabot financial Solicitors Firm: Shoosmith LLP Original Creditor: Aqua Credit Card/Newday (eg. Credit card/Loan/Overdraft) :Credit card Particulars of Claim: 1. The claimant claims the sum of £436.86 being monies due from the defendant to the claimant under a regulated agrement between the defendant and New day and assigned to the claimant on 12/09/2017, notice of which has been provided to the defendant. 2. The defendant has failed to make payment in accordandance with the terms of the agreement and a default notice has been served pursuant to the Consumenr Credit Act 1974. 3. The claimant claims the sum of £436.86. Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): No List any letters you have sent (eg: CCA/ CPR ) none Any Other Information or Background Details: this is a debt originally with New day Credit card under the Aqua name. I've checked my credit report using noddle, instead of saying Aqua or new day it has Cabot credit managment group, acc start date dec 2016, date default 31/08/2017. also I have to send a CCA request to Cabot financial and a CPR request to Shoosmith incl a copy of CCA letter sent to Cabot, sending both by recorded delivery. The cca letter: [Removed please do not post templates from the Library on the open forum - andyorch] Request for documents mentioned in a statement of case under CPR 31.14 [Removed please do not post templates from the Library on the open forum - andyorch] defence: I've attached file due to size. please advice on point 13. I haven't agreed extension should I do so and how do I do that? sorry if everything is a bit jumbled, am I on the right track? Thanks

Good Morning I have been paying a debt management plan to payplan for over 10 years, following advice from this forum for which I am soooo grateful for I have sent CCA's off to all my creditors and awaiting responses. My abbey overdraft has been sold onto Cabot, I understand that I cannot sent a CCA. The last payment to them on my debt management plan was Dec 17. The balance is £588.19 What is the best way to proceed with this, should I send a SAR or set up a payment plan direct with them, are they likely to accept a F&F? Thanks for your advice/help in advance

Several months ago Cabot allegedly purchased an old Capital One account. I disputed the alleged account and Cabot issued County Court Proceedings. I submitted my defence and received no response from Cabot so at the moment the case is stayed. After checking my credit report, Cabot have added Legal Fees & Legal Costs to the alleged outstanding balance. Can they do this?

Hi guys im hoping for some advice on what to do with this debt, i had no idea they would take me to court for it and am panicking a bit now, i have looked around the site but cant really find specific advice, so apologies if i havent looked hard enough and i appreciate any help you can give, cheers neil. What is the claim for – the reason they have issued the claim? Please type out their particulars of claim (verbatim) less any identifiable data and round the amounts up/down. on 31/03/2015 the respondant entered a mail order agreement with J D WILLIAMS AND COMPANY LIMITED under which the respondant borrowed from them a sum of money payable on demand. the said agreement was an agreement regulated under the consumer credit act 1974. the respondant failed to pay as agreed on demand and is in breach of contract with the said J D WILLIAMS AND COMPANY LIMITED. the said supplier assigned all rights in the said debt to CABOT FINANCIAL UK LIMITED ON 07/06/2016 and the claimants have advised the respondant of the same the last payment was made to account on 07/09/2015 the said sum of £1029 is the sum sued for. the claimants have made frequent requests to the respondant to make payments of the said sum but the respondant has refused or delayed to do so. What type of action? (Small/Summary/Ordinary) simple procedure notice of claim. small? Is the claim for a current or credit/loan account or mobile phone account? catalogue When did you enter into the original agreement before or after 2007? after 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/nolans soliciters 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? most likely Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? unsure Why did you cease payments:- financial difficulty 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 management plan? no

Not to be confused with Link. (and not my own beef with cabot) Another ccj and a charge on a property, Cabot obtained them both, it's been sometime, the debt never seems to dwindle A recent Sar to Cabot came back with transaction details that are consistent with ones of my own, as in the alleged debtor has consistently made payments each and every month since the CCJ (it's been some years) there are no breaks in the payments save for one returned payment but this was remedied a few days later. However, working through the transactions I can see Cabot adding different amounts during the period the alleged debtor has been paying back. Reading further in to the SAR there is zero by way of communication from Cabot to the debtor to advise/tell them as to why they've added their payments and as far as I'm aware the CCJ is not interest bearing or anything. From my experience this is what Cabot consistently seem to do, add on more debt, this time it's a ccj, I have no idea as to how they would be allowed to do that given there have been no payment breaks. The debtor wants to get the charge off the property, hence why they're starting to chase. The amounts totalled that Cabot added on is close to £1500 Ordinarily and as in my case I'd have advised to stop paying Cabot until they can prove the debt but as this is a CCJ and with a charge on their property I think the smart and only way is to continue payments but look at Cabots activity on the account since the CCJ.... right now all I can see is a debt that hasn't decreased by much due to the amounts Cabot have put back on.

Evening, I am seeking some thoughts from more learned individuals. I received a Claim Form end of Dec 2017 for an old WF debt and subsequently entered my defence on MCOL. This was on the 5 January. Since then I have received nothing further to my formal requests for additional information surrounding claim aside from two chaser letters from Cabot's solicitors detailing their 'client wish to settle out of court' and then '14 days to negotiate settlement otherwise instructions from Cabot to lift stay'. Called the court today and was advised that Cabot / their solicitors had attempted to amend the particulars of the claims on the 11 February but this was denied as they did not pay the fee. Their last letter to me dated 5 March is as above on the 14 days. I'm tempted to actually have the claim struck out as the claim remains stayed open ended. Has this happened to anyone before ? Thanks