Claim form dated 3rd Aug..... so I need to submit like today!!

No, I submitted my acknowledgement on the 13th August, 28 days will be next Saturday 10th. Have I 28 or 33 days to submit?

Hi DX, I received the attached unexpected letter from Cabot earlier. Am I correct to assume that they know they cannot obtain the original CC agreement as requested? And they are saying that they will not be pursuing me though the small claims court now? I have had no further communication from Restons since I requested that all communication is by letter only. Should I still file my defence as scheduled? Thanks Cabot Update from CCA Request.pdf

Hi DX, Attached is the response from Cabot regarding my CCA request..... I'm guessing it's their standard reply..... From your experience what does it mean? Is it as stated or they probably are struggling to provide copies of original agreement? Thanks ChumleeDocument (15).pdf

I'll fire back an email as you advised.

Hi DX I sent the CPR31 14 letter to Restons which they received yesterday. Attached is their response which was sent via email attachment. What are your thoughts/observations? Thanks restons response.pdf

Hi DX, will post CPR31 14 tomorrow, modified suggested letter. I've been reading up since receiving the claim form!! My line of defense, I suppose at the moment all I have is Cabot proving the debt. Statutory barred is not an option..... Any suggestions/advice?

DX100UK you advise that I send the CPR31.14 again but by recorded delivery? Are you saying the emailed one I sent would be ignored? Thanks, edited PDF of claim formCLAIM FORM.pdf

Dx100uk thank you for posting up details of the processes and actions, much appreciated. I have done exactly as you advised, did the AOC earlier. The CCA request to Cabot I did Monday by recorded delivery and the CPR 31 14 was emailed to Restons also Monday. The POC - I have copied word for word off the claim form. Thanks

Which Court have you received the claim from ? MCOL Northampton N1 Name of the Claimant ? Cabot Financial UK Limited Date of issue – 3rd August 2022 Particulars of Claim What is the claim for – the reason they have issued the claim? 1.The claimant claims payment of the overdue balance from the defendant(s) under a contract between the defendant(s) and New Day dated on or about Apr 13 2015 and assigned to the claimant on Jul 02 2018. 2.Notice of assignment has been given to the defendant. court fee 205 legal rep 80 What is the total value of the claim? £4838.84 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes, 3 times Did you inform the claimant of your change of address? No Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card When did you enter into the original agreement before or after April 2007 ? after Do you recall how you entered into the agreement...On line /In branch/By post ? Online Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes 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 Did you receive a Default Notice from the original creditor? No Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? No Why did you cease payments? Mental health issues What was the date of your last payment? Early 2017 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No