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About teeder

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  1. Hi Site Team I have now done the AOS on line i have prepared the letters for Cabot and the solicitor Before I send Cabots letter need to check what to put for account ref number because they havent declared one in the particulars of claim or anywhere else regards
  2. yes the 4800 is what is still owed and I have been paying £2.74 per week this was a pro rata figure based on my total debts(around £60000) with the rest of my disposable income being spread around all my other debts
  3. In order for us to help you we require the following information:- Name of the Claimant ? CABOT Date of issue – 12/APRIL/2017 Date to acknowledge = 30/4/2017 Date to Submit Defence= by 4PM 12/5/2017 What is the claim for – 1.by an agreement between goldfish bank ltd and the defendant on or around 25/11/2002 (the agreement) goldfish bank ltd agreed to issue the defendant with a credit card. 2.the defendant failed to make the minimium payments due and the agreement was terminated. the agreement was assigned to the claimant. The claimant therefore claims £4800 What is the value of the claim? £4800 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 2002 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? YES Did you receive a Default Notice from the original creditor? DONT KNOW CANT FIND ONE Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? CAN ONLY FIND 1 DATED 2015 Why did you cease payments? STILL PAYING AGREED AMOUNT What was the date of your last payment? 2ND APRIL 2017 Was there a dispute with the original creditor that remains unresolved? NO GOT INTO FINANCIAL DIFFICULTIES AND SET UP AGREED PAYMENT PLAN WITH CREDIT CARD COMPANY Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? YES AND THIS WAS AGREED NEVER MISSED A PAYMENT I HAVE THE LETTER FROM CABOT DATED APRIL 2008 STATING THEY HAD BOUGHT THE ACCOUNT AND THIS CLEARLEY STATES THAT THE PLAN I HAVE WITH ORIGINAL CREDITOR NEEDS TO BE MAINTAINED WITH CABOT AND I HAVENT MISSED A PAYMENT
  4. Can anyone help me on how to proceed with the following Recieved county court claim today from mortimer clark solicitors acting on behalf of claiment cabot particulars of claim by an agreement between goldfish bank ltd and the defendant on or around 25/11/2002(the agreement) goldfish bank ltd agreed to issue the defendant with a credit card.the defendant failed to make the minimium payments due and the agreement was terminated.the agreement was assigned to the claiment. The claiment therefore claims £XXXX I have a letter dated april 2008 stating cabot have bought the debt and that the agreed monthly repayment plan with goldfish bank now needs to be maintained with cabot. I have kept up the plan and have never missed a payment. I dont understand why they are now taking me to court can some one please advise how to proceed Thanks
  5. can anyone advise me on the following. having defaulted on an abbey loan pre 2003 cabot have been claiming £8 per month upto july 2010.they then failed to collect the d/d and contacted me in october by phone.I asked them to ring me back and I would re setup the d/d.This they failed ring me back so I sent them a letter requesting same info and also asked for the cca and statements of account.I had no response from Cabot but i recieved a letter from Morgan solicitors demanding immidiate repayment in full.I duly sent morgans a reply asking for proof of debt and a statement of accounts .they sent me a screen print showing basically what payments i have made to cabot since they took over the debt. but they havent sent me the cca..we then recieved court proceedings from Cabot to which we filed a defence stating that we had not recieved the cca as requested from cabot and detailing the circumstances above.TodayI have recieved another letter from the courts stating notice of transfer proceedings, notice that a defence has been filed and there is an allocation questionnaire to fill in which I am struggling tgo understand how to proceed with Can anyone help me as to the filling in of the allocation questionarre and what should i do next. Thanks Steve
  6. Can anyone help as to what I do next.I am in dispute with Halifax due to various charges added to my account.I initially asked for copies of my statements and the copy of my cc agreement.I recieved the statements but not the agreement,Again I asked but this time they have sent me a letter stating they are enclosing a copy of the reconstructed version of the executed agreement,they say this complies with the requirments of the consumer credit regulations and that regulation 3(2) can omit any signiture box in summery they say they dont have to produce a copy with my signiture on.they then go on to say that the agreement is enforcable and wil be treated as so and will not enter into any further correspondence with me regarding the provision of a true copy .They then go on to say they will endevour to still provide me with a true copy. Regards Steve
  7. Hi Is there anyone out there who can help me regards the tomlin order.can anyone explain why not to sign and what to do next
  8. Can anyone advise me Recently Shoosmiths issued court proceedings against me and my wife regarding a debt to nat west. I returned our defence and for what ever reason it didnt go any further. Now I am in receipt of a tomlin order From shoosmiths. We dont really know what this is but the order was asking us to lump all our accounts together and then make a monthly payment .there was nothing in the order saying how long this will run or what happens if we lose an income or if we split up or if one person dies I asked these questions as well as asking for the credit agreements and statements. Shoosmiths replied stating they dont hold copies of the credit agreements. they did send statements of account and they stated that if the financial situation diteriated and the parties couldn't reach agreement then they would ask the courts to decide. Do I have to accept this order or can anyone advise what i should do next
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