very well done dave

other than those visible are there any tiny letters/numbers around any edge of any page?

there should be

those T&C's do not have your relevant [for the date of sign up] names and address on them

so could have come from any old filing cabinet so are not relevant

I have just double checked and nothing at all. I have captured all numbers/writing in all pictures and nothing else is visible on the copies I have.

Regards.

thank you

Is there anything I need to do now mate?

not until/if a claimform IS issued

No problem thankyou for your reply.

Well thought I'd got on top of everything but looks as though I've missed this one.

Name of the Claimant ? Cabot Financial Ltd

Date of issue – 10th September 2018

What is the claim for – the reason they have issued the claim?

1.The claimant claims payment of the overdue balance due from the defendant under a contract between the defendant and VANQUIS

dated on or about Apr 09 2015 and assigned to the claimant on June 30 2017.

PARTICULARS a/c no ###############

Dated 13/7/2017 default balance £740.79

Total £740.79

What is the value of the claim? £697

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 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

Were you aware the account had been assigned – did you receive a Notice of Assignment?* I believe i did

Did you receive a Default Notice from the original creditor? I*believe i did.

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?* Not too sure.

Why did you cease payments?* Was going through a bad time financially

What was the date of your last payment?* Not sure

Was there a dispute with the original creditor that remains unresolved?* No.

Did you communicate any financial problems to the original creditor. No

So next Will it be*

1. Acknowledgment of service?

2. Send*CCA Request*section 77?

3. Send for 31.14 request

have you had a pre-action protocol pack with a letter of claim etc?

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 start 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

.

type your name ONLY

no need to sign anything

.

you DO NOT await the return of paperwork.

you MUST file a defence regardless by day 33 from the date on the claimform.

go ring vanquis and ask last payment date

old and new threads merged

so looks like you did get a pap letter

and you've already sent a CCA and have a return for it

dx

Ah yes mate you are correct I have just dug all the past correspondence out.

Vanquis say last payment was 4th Feb 2016

this could get sticky as I cant see anything wrong with the CCA return

looks enforceable to me.

lets hope they fail pn default notice production or something.

so no need for CCA

but Do CPR restons

Wasnt the advice back in may that the T&C wasnt valid?

well inso far as the t&c's don't have his name address etc , but I think that's a mute point now a claim HAS been issued?

you say above this card was from before 2007 yet the CCA return says march 2015

when did you take this card out????

and is the CCa return the same 16 digit number as the one on the claimform?

But surely he could use the fact that a non compliant CCA was issued making all this moot. Plus the DCA never got back after the PaP letter was sent back.

To me anyway it sounds like cabot are trying to call the OP's bluff. perhaps use the no paperwork holding defence ? Cabot rarely ever reply in time to that after a claim, so the claim would be stayed at least.

Then if it gets stayed, and cabot want to continue and come up with a proper CCA, then maybe a tomlin order can be negotiated to avoid a CCJ. After all, the DCA will still always have the CCJ as an option of the tomlin order falls apart.

Apolagies typo mate. Was 2015

then I don't think there is anything wrong with the T&C's.

so as post 35

Do you have a link to for cpr download as I can't seem to find it via my phone.

I have tried the search option but just brings up all threads.

Thanks.

Scrap that found it. Lol

Dx I had already sent for a cpr request previously so do I still need to send for another one?

No youve sent a cca

You havent sent a cpr 31:14 to restons

This is my cpr

[Removed -dx]

Dave what does it say in red at the top?

Ah my bad mate apologies once again.

Did it look ok though?

Its a template you dont change the wording

But restons never comply anyway..

Just go read any restons claimform thread

Ok AOS done

CPR sent

Last question post 37 please Dave too

Answered in post 39 mate. Was 2015, typo.

Regards.

post 37...….and is the CCA return the same 16 digit number as the one on the claimform?