Daughter not had a happy new year,

3 debt collection companies sent her letters giving her notice of their intentions of going to court.

First to issue claim was Cabot for a figure of around £500 including court fee and legal costs for a debt from express gifts RE studio.

She remembers owing studio an amount of money from around 2014 when she was splitting up from former partner and also looking after a small child.

she buried her head in the sand and left around 7 debts some for £150 up to £1000.

Now she is still unemployed as she was when the debts taken out and has 2 small children ,and the debts all with massive increases are all going to court.

Any advice on how to proceed with the Cabot debt would be helpful.

Is there anyway to find out how the debt is made up to see if she could challenge any of it.

I guess that she needs to respond to the court papers asking for additional 14 days.

The date on the court papers is 31 st January. ,

so if I am right 3 days for delivery and 14 & 14 additional days would mean she would need to enter defence or admit debt before 3 March.

Regards sleepingdog.

5th March in by -- go to MCOL and register and sign in and fill out acknowledgment of claim & that it is all disputed for starters, then send off a CCA 1974 Request for copy agreement with £1.00 Postal Order marked on back for statuary use only.

also send CPR31.14 request for all copies of the stated within the N1 court form i.e. Default not ice ( if stated and agreement etc etc. for starters and keep everybody on here updated each stage also need more info

If you could read the following link and then copy and paste the Qs and your responses back here sleepingdog so we can advise the best action in dealing with this cliam.

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-2016**

It saves 20 posts and questions and we have all the answers in one post.

Regards

Andy

oh and tell her not to sweat

she is not alone

http://www.consumeractiongroup.co.uk/forum/showthread.php?474415-Cabot-court-claims-ref-express-gifts

cabot have quite a few of these doing the rounds

Name of claimant = Cabot Financial Ltd.

Date of claims issue = 31st Jan 2017.

Reason for claim =

1.By an agreement between Express gifts RE Studio & the defendant dated Sept 2013 ( the agreement) Express Gifts RE Studio agreed to issue the defendant with a credit account.

The defendant failed to make the minimum payments due & the agreement was terminated.

2.The agreement was assigned to the claimant.

3.The claimant therefore claims 350.00

Value of claim = £ 435.

The claim is for catalogue account

Agreement entered in 2013.

Account assigned and debt purchaser issued claim.

Not sure if I received notice of assignment.

I did not receive default notice ,

Date of last payment around May 2014.

No dispute with original creditor.

I did not communicate my financial problems to the original creditor due to above issues and having no money left over after paying bills, ( nothing has changed still on benefits and have no money left over after bills).

I moved house in May 2014 and the new occupier states that she returned any mail for me back to sender with my new address.

I am not aware of receiving any statutory notices headed Notice of default sums

.

I ceased payments due to breakdown of relationship ( ex partner hooked on drugs),

and I had to find accommodation for myself and young child whilst dealing with benefits office, council,

court for ex threatening me as well as custody of my child on top of that I was dealing with and still am depression and other mental illnesses

hope you've done her AOS on mcol website and ack'd the claim!!

pop up on the MCOL website detailed on the claimform.

.

register as an individual

note the long gateway number given

then log in

.

select respond to a claim and select the AOS box.

.

then using the details required from the claimform

.

defend all

leave jurisdiction unticked.

click thru to the end

confirm and exit MCOL.

.

get a CCA Request running to the claimant

leave the £1PO blank and uncrossed

.

get a CPR 31:14 request running to the solicitors

.

don't sign anything

.

dx

Thanks for all the information dx100uk, will help daughter do everything today and will post up on separate thread 2nd claim this time from Lowell. I will also get her to start process to CCA her other creditors.

Sleepingdog

Update:-

cpr 31.14 sent to solicitors and CCA request sent to claimant as advised by dx100uk.

Claim withdraw by claimant.

Thanks to everyone who helped

well done

dx

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