Also DC100x ..can't get to my other thread but have had the same letter from Cabot about the £19k one as well...unenforceable as well

Hi DC and Renegadeimp

Quick update.

..after entering my defence Weightmans acknowledged and then

I came home yesterday to a letter from them saying that their client wished to proceed

and that they would inform the court of this.

..today brought a letter from Cabot stating that my case was unenforceable ?

I am assuming a crossover of letters on their behalf..

.will be writing to Weightmans directing them to talk to their client and to halt any court proceedings

I know that this does not mean that in future they won't go for it again

but would like to thank you for all of the help and advice given.

I will be watching them and keeping all letters etc.

in case they sell it on or move it to another DCA ! Donation done...well worth it!

I know it's a bit long winded but I just didn't want to miss anything - never done anything like this before and having read how sneaky they are I thought it best to go for more rather than less

Thanks Andy

Nope - no mention

Hi Andy - no mention of assignment or dates, see below

1. The defendant entered into a credit agreement described by theoriganal creditor as Lloyds BANK- UNSECURED LOAN and having account numberxxxxxxxxxx (‘the account’).

2. The Claimant, a UK limited company with company number 3757424, isthe assignee and legal owner of all rights previously enjoyed by the original creditorin respect of the Account.

3. The Defendant is indebted to the Claimant in respect of the accountin the sum of 12555.54

4. The Claimant claims the said sum of 12555.54 plus costs.

Many thanks both for your replies - will keep you updated if anything else comes through

Yep filed via MCOL - thaought that was what I had to do?

I have had to have an operation since my last post in Feb

and was rapidly running out of time to put in my defence

and panicked so have probably done ti all wrong but this is what I have entered as my defence

Re: County Court Claim CABOT Financial UK/ Lloyds Bank – Unsecured Loan

Claim No.

The particulars of the claim are as follows:

1. The Claimant claims the sum of 12555.54being monies due from the Defendant to the Claimant under a regulated agreement originallybetween the Defendant and Lloyds Bank.

2. The Defendant's account numberwas. (The Claimant has not provided any other information except to state thatthey are the assignee).

3. The Defendant is indebted to theclaimant in respect of the account in the sum of 12555.54

4. The Claimant claims the sum of 12555.54and costs.

Proposed Defence

1. The Defendant contends that the particulars of claim are very vague and generic in nature.

The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.

The Defendant is embarrassed in pleading to the Particulars of Claim as it stands at present, inter alia: -

The claimants' particulars of claims disclose no legal cause of action and they are embarrassing to the defendant as the claimant's statement of case is insufficiently particularised and does not comply or even attempt to comply with CPR part 16.

In this regard I wish to draw the courts attention to the following matters;

a) The Particulars of Claim are vague and insufficient and do not disclose an adequate statement of facts relating to orproceeding the alleged cause of action.

No particulars are offered in relationto the nature of the written agreement referred to, the method the claimant calculated any outstanding sums due,

or any default notices issued or any other matters necessary to substantiate the claimant's claim.

b) Neither a copy of the purported credit agreement that the claimant cites in the Particulars of Claim,

nor a copy ofany evidence of both the scope and nature of any default,

and proof of anyamount outstanding on the alleged accounts, has been provided by the claimant.

2. Paragraph 1 is noted and acceptedI have in the past had financial dealings with Lloyds.

I do not recall theprecise details or agreement and have sought verification from the claimant whois unable to comply.

3. Paragraph 2 is denied as I amunaware of any legal assignment or Deed of Assignment allegedly served from either the Claimant or the original creditor.

4.It is therefore denied with regards to the Defendant owing any monies to theClaimant,

the Claimant has failed to provide any evidence of assignment/balance/breachrequested by CPR 31. 14,and remains in default of my section 77 request.

Any Agreement cannot be enforced against the Defendant without an order of thecourt by the reason of the fact that both the Original Creditor

and theAssignee remain in default by reason of Section 78 of the Act.

A further request was made via CPR 31.14 on the xxxx 2015, after the claim had been issued,

requesting disclosure of documents on which the Claimant is basing their claim.

The Claimant has responded that they are not in possession of any paperwork connected to this claim and that it will take up to 40 days to comply

even though my written request asked for this information over a reasonable timeframe(12+2 days) from receipt.

5. In addition, I also requested by way of a CPR 31.14 request and a section 77/78 request, copies of the documentsreferred to within the Claimants particulars

to establish what the claim is for to the claimants solicitors, Weightmans LLP, on the assumption that a CountyCourt Claim

would not be entered into by a solicitor if they were not inreceipt of all documentation

and had proof of the claimants right to proceed with this action.

Weightmans have stated in relation to my 31:14 request thatthey are only acting on their client (the creditors) instructions

and as such do not have any of the documentation upon which the claim is based.

6. It is therefore not accepted withregards to the Defendant owing any monies to the Claimant and the Claimant isput to strict proof to:

a) show how the Defendant has entered into an agreement with the Claimant; and

b) show how the Defendant has reached the amount claimed for; and

c) evidence any nature of breach and provide proof of any Default Notice andNotices of Sums in Arrears;and

d) show how the Claimant has the legal right, either under statute or equity toissue a claim;

7. As per Civil Procedure Rule16.5(4), it is expected that the Claimant prove the allegation that the moneyis owed.

8. On the alternative, as theClaimant is an assignee of a debt, it is denied that the Claimant has the rightto lay a claim due to contraventions of section 136 of the Law of Property Actand section 82A of the Consumer Credit Act 1974.

9. The Agreement cannot be enforced against the Defendant without an order of the court by the reason of the fact

that both the Original Creditor and the Assignee remain in default as set out above and by reason of Section 78 of the Act.

10. By reason of the facts andmatters set out above, it is denied that the Claimant is entitled to the reliefclaimed or any relief.

:???:A quick update

I have received a letter from Weightmans in reply to my CPR

stating that they are just the solicitors for their client saying the creditor is Marlins, no mention of Cabot!)

and that as such they have no documentation on this account and that they will contact their client for the information.

I also sent a CCA to Cabot using the Marlin reference number

- strange thing is that I have received a letter in response to my CCA request from APEX

stating that they don't have the documentation but that my request is being processed

and they will place the account on hold pending its fulfilment

and that they will write to me again with an update of their progress or on completion of the required documentation?

Not sure quite where that leaves me

have received a letter from Weightmans in reply to my CPR

stating that they are just the solicitors for their client (saying the creditor is Marlins?, no mention of Cabot!)

and that as such they have no documentation on this account and that they will contact their client for the information,

with a reminder in the last paragraph to 'do not forget to prepare your defence' advisory!

Have also received a standard '40 days to find the information' letter from Cabot (not Marlins)

I have submitted my defence today (gone down the embarrassed route) so I am hoping that this was the right thing to do

Lloyds also stated that for some of my complaint that they had to assume some things because they didn't keep records all the way back to approx 1998

Hi dx100uk

Yes it is on my cra

last paid early November 2010 so not SB

This one is not linked to the other on the Claim Form

The dispute was that Lloyds sold me 2 loans approx a year apart

- one for 20k followed by another of 15k, both to run concurrently.

I was only earning about £21k at the time plus, for the second loan, their in-branch rep made me hand write a letter

stating that I had no other outgoing debts before I could get the loan and told me the letter would be placed on my file.

When I complained that I did not think that the bank acted in my best interests, admittedly, quite a few years later to the Ombudsman,

as I wasn't as savvy back then..they directed the complaint to Lloyds as per requirements.

Lloyds answered with a very long 5 page letter saying that it was all worked out correctly

and anyway according to their scrutiny of my bank account they noted that I later got a pay rise, so what was the problem?

and that in their eyes they'd done nothing wrong!

Thanks - will do

Its probably because the OC did some dodgy stuff with my loans and although Icomplained to the Ombudsman

(didn't get anywhere with Lloyds as they stated that they didn't keep records going back that far

but it probably worried them that there was something there that they would have to explain in court!

Have received another letter from Marlins

this time wishing to let me know that since they have had no response from me

they have now been instructed to move my alleged debt over to Weightmans for consideration.

As it is £19k from a Lloyds loan I am expecting them to go after it heavily.

I am trying to head them off and have sent a CPR31.14 to Weightmans this week as at the moment I don't know who to send the CCA request to

Weightmans have already gone down the Court route for another debt so I'm expecting them to do the same with one.

Is it worth sending an SAR to Lloyds as both my loans with them have ended up with Wightmans

or should I wait and see what the sols come back with:?:

Any advice greatly received.

Yes, sent a CCA yesterday and CPR to Weightmans as well, unfortunately not SB so can't go down that route.

Thanks renegadeimp for the quick response.

I know that these amounts are going to be really attractive targets for them (£12k + another one for £19k)

but they'll have a shock as the only thing that I now own are my clothes!

I rent and don't even have my own car anymore

so even if they succeed I wish them joy in trying to get £30k out of me before I die

Hi all

I am new here and in the same boat as most by the looks of it

I received a Claim form from Northampton last week and at first thought it might just be another DCA trick (having had my alleged debts on the DCA 'merry go round' for so long have kind of gotten used to them playing ping pong)

The claim form states the following info:

Name of the Claimant - CABOT FINANCIAL UK LIMITED

Date of issue - 6 FEBRUARY 2015

What is the claim for – the reason theyhave issued the claim?

1. The defendant entered into a credit agreement described by theoriganal creditor as LLOYDS BANK- UNSECURED LOAN and having account numberxxxxxxxxxx (‘the account’).

2. The Claimant, a UK limited company with company number 3757424, isthe assignee and legal owner of all rights previously enjoyed by the original creditorin respect of the Account.

3. The Defendant is indebted to the Claimant in respect of the accountin the sum of 12555.54

4. The Claimant claims the said sum of 12555.54 plus costs.

What is the value of the claim? £12555.54

Is the claim for a current account or credit/loan account or mobile phone account? Loan

When did you enter into the original agreement before or after 2007? Before

Has the claim been issued by the original creditor or was the account assignedand it is the Debt purchaser who has issued the claim. Debt purchaser– CABOT -although has gone through at least 6 otherDCA first, initially I tried to negotiate (was refused each time) but couldn't keep up with the speed that they were moving the alleged debts around between them all so gave up about 3 years ago.

Were you aware the account had been assigned – did you receive a Notice ofAssignment? Not that I can recall, just letters fromvarious DCA saying no longer dealing with and next DCA will be in contact!

Did you receive a Default Notice from the original creditor? No, I don’t think so

Have you been receiving statutory notices headed “Notice of Default sums” – atleast once a year ? No

Why did you cease payments? Divorce, lost job,relocation, dropped over 16K in wages

What was the date of your last payment? About 3 ½ years ago to the original creditor– reduced payments on a voluntary basiswith OC

Was there a dispute with the original creditor that remains unresolved? No

Did you communicate any financial problemsto the original creditor and make any attempt to enter into a debt management plan? Yes, PayPlan originally and then on a voluntary basis for a while until could no longer keep up with the payments (was paying out over £750 to the OC)

· Ihave sent a CCA request to Cabot and a CPR31.14 request to Weightmans (theirsols)

· Ihave acknowledged Service on MCOL and have indicated that I will defend all.

I would like someone to advise as to whether is anything else to do at the moment, Any help or advice would be greatly appreciated.