Yes, So what would you do ?... What should i do next ?

Hey Dx, Letters back today.... One from the court and one from Cabot/Mortimer.. Court letters says we have your defence.. Mortimer letter says.... I have alleged it is barred but the last payment made was 16/11/2009. I have no way of proving this wrong or right. currently as Vanquis have none of my records.. So unsure what to do.. They have also sent a without prejudice save as cost offering me a 40% reduction on the bill leaving me to only pay £280 they will also take this as monthly payments.. So what do i do ?????..... I have just found we have a baby on way too so having a CCJ going against me when i may need to utilise credit could be bad thing for me..

I have done it.. See what happens i guess.

Hello Dx, Spoken to Vanquis, They have no way of getting my details as they system has deleted them, The only account details they carry for me are my name and date of birth and address. The details of the account just say closed. She tried all ways she could. she did say its been so long they're is no way our system would carry the information. She did say that i would of had to be 4 months of non payment before Cabot was even offered the account. With what she has said above i am 99.9% sure this is Barred, Even if it wasn't i am struggle to see who they can get the information to say otherwise if Vanquis don't have it.

I have looked more into this.. They defaulted the account on July 2010, I Took the card in December 2008.. If i even paid 2/3 payments towards the card it would still be barred ?...

Thanks Dx, What happens if i am wrong ?.. I am pretty sure i am not.. Is they're a way of contacting Vanquis and asking them ?

What is the Cpr.18.. Where do i find this ?. Also what do i ask for as my claim form doesn't mention very much..

I have sent the CCA today...

Would it be worth contacting them to make a arrangement for payment to save all the hassle for the sake of 382 quid ?..

What is a recon agreement ?

Where do I find a CCA ?.. Do I need to send anything too the solicitors I have seen on other people's threads... Stat barred I think so but I can not be certain.

Got a court letter from them for Northampton. Name of the Claimant Cabot Date of issue –17th April 2015 What is the claim for – Credit Card POC By agreement vaquis bank THE DEFENDANT ON OR AROUND 17/12/2008 vanquis agreed to issue a credit card upon the t&cs In breach defendant failed to make minimum payments and agreement was terminated. The agreement was assigned to the claimant.. The claimant therefore claims 382.32 My card was for about £200 maybe £250 at most.. The rest of the claim is court fee 35, Costs 50 Total claim 467.32. What is the value of the claim 467.32 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account, Credit Card Vanquis 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? No. I have received no paperwork until claim forms Did you receive a Default Notice from the original creditor? No. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments. Couldn't afford at the time with my grandmother becoming ill. What was the date of your last payment. No idea. I don't recall ever paying it. Was there a dispute with the original creditor that remains unresolved? Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? No I had a Vanquis card many years ago. Never paid it after about the first payment. Moved house 4 years ago never heard a thing from them until this arrived last week how they suddenly chose i am here i have no idea.. Glad i am or i wouldn't even know about it. I went online acknowledged and ticked the i will defend. Thanks in advance.

Hey PT new Pm and Mail..

Yes got it PT Thanks

na

Opps also got too claim number high court and county court ..Do i put both

Is the claimant Royal Mail or the solicitors who took me there.. Just worried if i put Royal Mail they will write to royal mail by which time Solicitors will be still gunnign for me..

I would Genuinely greatfull if you would let me pay you atleast enough for a bottle of wine.. But if you wish i will donate to the site.. Are you able to help with the above ?? Also these.. Level Judge.. Fixed date trial..Who should be served.. Or easier is there a way i can show you what i have written so you can check it over for me ?? Thanks So so much

Hey Plodder, Are you able to tell me what i write in the What order are you asking for and why bit..Not a clue what i need to write.. Also Do i have to attend or write in the evidence box what happened and say i won't attend ?? the hearing bit also confuses me as it talks about with or without hearing.. Also do i pay you for this info if so do you take paypal..

Hey on the letter i have here it says ccc district registry sent from county court.. Is that were i sent this form ?? Also on the form.. It says claim number is this the writ number ?? Also The claimant and defendant bit Am i now the claimant and teh solictor defendant or other way round... Sorry forms and me do not mix.. Any idea on these bits ?

Hey on the letter i have here it says Oxford district registry sent from Oxford county court.. Is that were i sent this form ?? Also on the form.. It says claim number is this the writ number ?? Also The claimant and defendant bit Am i now the claimant and teh solictor defendant or other way round... Sorry forms and me do not mix..

Thanks for your great answer... I have spoken to Mum and Granparents and both are contacting solicitor in the morning.. I will do the above forms tonight.. Do i have to send the £75 with the form ? (A lot of money at present) Royal mail were just delighted to take payment and even reopened my account for use again not that i will be in a hurry.. I was sent pillar to post so for as to who i spoke to i have no clue.. I do have proof on bank statment of the payment and i made sure it was full payment to clear all balance.. This bit lost me ? Why do you need to apply for years. If you win set aside then this will be removed and as you have already paid then there is no record of any bad credit history - it can take up to 6 weeks after the set aside for this to happen

Thanks but how do i apply to the court just call them ??? Issue is i don't even know what court it was...

Hey thanks for teh help.. Does that meen he will not be able to take anything from her home if he is shown this.. ? My Uncle lives there still and he has stuff there would he need one too.. Thanks Antony

Ignore double posted..