Hi, Just signed up looking for some advise on a 4 year old debt that was originally owed to Vanquis. Not going to bore you on the why's and wherefores of how the debt came to be but 2 years ago it was sold onto Cabot financial Services who's letters I have ignored. A few weeks back I received a claimform informing me that Restons Solicitors are taking me to court for the debt on behalf of Cabot Financial Services. I responded to the claim online on the 15th Sept stating I have no recollection of owing any debt to Restons Solicitors or its clients and have asked them to send me copies of signed agreements relating to their claim. I also sent a letter using the templates online to Restons Solicitors enclosing a £1 PO stating I do not acknowledge any debt to them or their clients and for them to send me a copy of original agreement with Vanquis, a full statement of account, a signed copy of assignment to Cabot Financial and any other associated documents within 14 working days of receiving my letter. I received a letter 4 days ago from Northampton CCBC dated for the 15th Septemebr acknowledging receipt of my defence stating the claimant or their solicitor may contact me direct to resolve the matter and if the matter can not be resolved informally, the claimant will inform the court that he wishes to proceed. The court will then inform me what will happen. It also states that if the claimant has not contacted the court within 28 days of receiving a copy of my defence, the claim will be stayed. If they want to pursue it after that date, they will need to apply to a judge for an order lifting the stay. I have received a letter today dated 24th September from Cabot Financial saying if I want to close the account, they will offer me a 75% discount on the debt (£711.96 payable from £2847.87 which includes all the added charges) and I have 14 days to take them up on the offer. I have not received any of the documentation I requested from either Cabot Financial or Restons solicitors and the 14 day payment offer they have made goes over the time-frame I gave them to supply me with copies of the original documentation. Also the expiry date of their offer is very close to the time they need to inform Northampton CCBC of any further actions they wish to take. They say you should never presume but would I be right in thinking they do not have any copies of original signed documents I requested as surely if they did, they would be sending me them rather than an offer to only pay 25% of the final debt figure? Also should I still contact Restons Solicitors after the 14 days (plus 3 for post) has expired if they have still not sent me any of the information I have requested? Finally if their claim gets "Stayed", what exactly does that mean? All advise will be much appreciated.

I received this letter today from Lowell exactly 1 day after another letter was received. Claim Form Claimant: LOWELL PORTFOLIO I LTD RE: LOWELL FINANCIAL LIMITED REGISTERED OFFICE ENTERPRISE HOUSE 1 APEX VIEW LEEDS LS11 9BH Address for sending documents and payments (if different) BRYAN CARTER SOLICITORS LLP 11 DE HAVILLAND DRIVE WEYBRIDGE SURREY KT13 0YP Particulars of Claim: THIS CLAIM IS FOR 577.00 THE AMOUNT DUE UNDER AN AGREEMENT BETWEEN THE ORIGINAL CREDITOR AND THE DEFENDANT TO PROVIDE FINANCE AND / OR SERVICES AND / OR GOODS. THIS DEBT WAS ASSIGNED TO / PURCHASED BY Lowell Portfolio I LTD ON 23/11/2011 AND NOTICE SERVED PURSUANT TO THE LAW OF PROPERTY ACT 1925 PARTICULARS Re: O2 (UK) LTD A/C No 1234567890 AND THE CLAIMANT CLAIMS 577.00 THE CLAIMANT ALSO CLAIMS INTEREST PERSUANT TO S69 COUNTY COURT ACT 1984 FROM 23/12/2011 TO DATE AT 8% PER ANNUM AMOUNTING TO 97.91 AMOUNT CLAIMED 674.91 COURTS FEE 55.00 SOLICITORS COST 70.00 TOTAL AMOUNT 799.91 ----------------------------------------------------------------------------------------------------------------------------------------------------- Prior to this we have been sent letters from Red, Hamptons Legal, Moorecroft, etc As we are both on ESA due to my disability we are not entirely sure what this means and how a county court judgement would even have an effect on a couple who are already living below their means. Please advice on the next course of action. We have tried contacting Moorecroft and Hamptons about proof of the debt but rather foolishly we didn't send these via registered/recorded mail so there was no proof it was even received.

Hi All, I have received a CC claim form issued in Northampton (CCBC) Claimant is Hillesden Securities Ltd. Solicitors are APLINS STOCKTON FAIRFAX. The PoC states: "The Claim is in respect of a credit facility (Credit Card Ac No), provided by Lloyds TSB Bank plc at the Defendants request on (date 2006). The agreement was subsequently defaulted. Failure to meet requests for payment resulted in the account being terminated. On (date 2011), all legal and beneficial interest for the monies was assigned to Hillesden Securities Ltd. The Defendant was duly notified in writing of the assignment and that a balance of 2760 was due. The balance of 2760 remains owing from the Defendant." Before this CC Caim form a letter from APLINS was sent Dated Feb 2013, stating that a claim will be made in Northampton CC is the full balance is not paid within 14 days. It also stated that, Hillesden Securities purchased the particular debt from HBOS plc as part of a large portfolio so the amount is payable to them. Prior to the above, on 16/01/09 a request was made for the credit agreement under s.77/78 to Credit Security Ltd. In March 09 CSL sent back a date stamped copy of my request, I received a TSB generic copy of what an agreement should look like and saying that they was not obligated to do so, dated 12/4/10. Then just after (18/4/10) TSB send an agreement printed on two separate A4 sheets, each sheet having different font sizes. The agreement is dated as staring from 2002 where the on the CC claim form POC states 2006. I am unaware of any other agreement, so the date on the claim form is wrong. I do not have any copies of default notices, termination notice nor notice of assignment to Hillesden. I have logged into moneyclaim.gov.uk and acknowledged the claim with the intention to defend. but not sure on the next step, Do I send a CRP31.14 to APLINS, requesting only the items in the CC POC, or is there anything to be added. also if this account was in dispute are they allow to take it to CC. Kind Regards, Appo07