Your very welcome, and no real need to thank me, the praise goes to this wonderful collection of information and the help that is provided. Just been looking around and the amount of users saying they will donate but seem to vanish seem unfairly large. This resource would be missed by many if it was lost. The fact that some people have saved thousands and can't spare just a few quid has me quite rattled. Although a donation is just that and its down to personal choice. Rant over....... Thanks again.

You would think they would send the documents they are relying on .. but they dont, and you will likely be fighting tooth n nail to get anything .. Can you please have a read of hte link below and provide us with the answers in this thread that way we can advise better. http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-April-2014**(1-Viewing)-nbsp

Sounds like cabot are doing their usual trick of trying to get a CCJ by default and then saying theyve contacted you multiple times. Sit tight and someone will be around to help asap. Also, did you have an issue with MMF? Or just cabot? That way we can get the thread into the right forum for max visibility.

In addition to the advice above, you should understand that this letter is now unlawful under the recent FCA CONC rules. First credit is acting unlawfully by sending you a letter which is not specific and could lead you to misunderstand the purpose of their contact. Have a look at the CONC rules and in particular have a look at this http://www.consumeractiongroup.co.uk/forum/showthread.php?426126-CONC-7.9-Contact-with-customers-including-visits first credit often monitor this forum and so if they see this post, then they should have a look also at the links I have given which eventually go to the FCA website and they can see that

Hi, Wait until they send full details of the alleged debt through the post in the next week or so. Please DO NOT ring 1st Crud on the telephone, the so called "helpfull advisers" have in reality failed at everything else in life that they have tried to do, they are employed on minimal wage with a commission top up & collection enhancements. They do not care about your circumstances & will only threaten, bully & intimidate you into paying. Also, If 1st Credit ring you, you are under no legal obligation to speak to them, refuse to go through the security questions. Keep everything in writing. If 13 years have

Particulars of Claim 1.THIS CLAIM IS FOR £6982 THE AMOUNT DUE UNDER AN AGREEMENT BETWEEN THE ORIGINAL CREDITOR AND THE DEFENDANT TO PROVIDE FINANCE AND/OR SERVICES AND/OR GOODS. 2.THIS DEBT WAS ASSIGNED TO/PURCHASED BY LOWELL PORTFOLIO I LTD ON 27/06/2013 AND NOTICE SERVED PURSUANT TO THE LAW OF PROPERTY ACT 1925 PARTICULARS RE: SHOP DIRECT-LITTLEWOODS AC NO xxxxxxxx AND THE CLAIMANT CLAIMS £6982 3.THE CLAIMANT ALSO CLAIMS interest PURSUANT TO S69 county court ACT 1984 FROM 27/06/2013 TO DATE AT 8% PER ANNUM AMOUNTING TO £520 Defence 1. The Defendant contends that the particulars of claim are vague and ge