Hi I am a first time poster and I am looking for some advice
Last November I received a letter from Northampton County court relating to a claim from Wright Hassle
acting on behalf of Cabot claiming £9k from an original credit card I had with Marbles.
I defended the claim and made a CPR request to Wright Hassle, Cabot and Marbles.
I received notification from the court that my case has been allocated to the small claims court.
Marbles responded to my CPR with a package of statements dating from 2003 to date.
They have not supplied my original agreement as requested
and cannot find my statements from 2000
(the year I originally took out the credit card) to 2003.
According to Marbles my balance on December 2014 is £6k.
Running through my statements I have paid £1,500 in PPI.
Running through the interest they put on the PPI and the interest owed to me
if I made a PPI claim the sum comes to around £3k that should be deducted from the balance.
Wright Hassle have sent me a letter that they intend to pursue the case.
Defend the claim in its entirety as they cannot provide my original agreement
and cannot find 3 years worth of my statements (although I am not sure of my legal standing on this).
Contact Cabot and offer to settle at £3k (The original debt of £6k – the £3k PPI).
I would be grateful for any advice.