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Posts posted by markvauny

  1. Sorry for the delay in responding, I've only just received information back.


    Initially the court said i had failed to submit the DQ in time, i got in touch and its sorted now, i had got it back in in time. Money claim site says its now transferred to Dudley - which I'm assuming is my local county court.


    I've also received the following letter which is saying they are unable to get my credit agreement and cannot do anything in the courts while they haven't got it.


    what's next guys because they have not fulfilled my request in time and it seems to be stuck in almost a stalemate at the moment.





  2. Hi guys,


    had a letter a few days ago saying there client does not accept such.



    Well the DQ has arrived today.



    What's the next step guys



    do I then ask the questions in regards to the payment they claim was made?



    Really stuck and don't no what to do.



    I know people have said some dca make up ghost payments but surely they wouldn't DQ on a ghost one.



    I still stand by I havemt made a payment to them

  3. Sent the CCA recorded delivery with my postal order. Quick question could i email the 31:14 and stated emailed to keep costs down for both parties and state (for the reimbursement for copy costs) that im happy for scans of the document to be sent by email. As i was always led to believe both parties must be reasonable with trying to reduce costs.


    correct me if im wrong.


    Also would you mind looking at the 31:14 to ensure i havent deleted wrong things out.

  4. send a CCA request

    to the claimant

    Blank £1PO

    don't sign anything



    send the Credit card 31:14 from the legal section of the top green library tab

    to the sols



    yes go ack the claim on mcol website



    register as an individual

    then ack {AOS} the claim using the required claimform details

    defend all

    leave juris unticked



    if you are 100% certain its is SB'd



    go back on to MCOL



    and file this defence

    filling in the bits needed of this






    The following defence is all you need if it is SB

    1 The Claimant's claim was issued on (insert date).

    2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980.


    If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant.


    3 The Claimant's claim to be entitled to payment of £x or any other sum, or relief of any kind is denied.






    If it's SB do I still need to do the CCA request and the 31.14 or just do the defense as SB.


    Thanks. Also what's AOS?

  5. Name of the Claimant - Cabot Financial UK Limited

    Issue Date - 22 May 2015

    Particulars of Claim:



    1. The Defendant entered into a credit agreement decribed by the original creditor as CAPITAL ONE BANK (Europe)_

    Credit Card and Having Account number XXXXX (The Account)


    2. The Claimant, a UK limited company with company number 3757424,

    is the assignee and legal owner of all rights previously enjoyed by the original creditor in respect of the account


    3. The defendant is indebted to the claimant in respect of the account in the sum 405.32


    4. The claimant claims the said sum of 405.32 plus costs


    Claim for Credit Card

    Not sure if agreement was before 2007 - i know its at least 7 years old.

    Not issued by original claimant (Capital One)

    Not sure if we got a letter saying it was assigned

    Not sure if we got a default notice

    Not sure if we recieved a notice of sums

    Did not make any payments

    No date of last payment

    No dispute

    Did not communicate any financial problems


    How do i send a CCA and CPR31.14


    Also i have not logged in on money claim or acknoweldge it yet can someone advise me what to do should i acknowledge now?

  6. Evening all,


    I was advised be a relative to pop on here as they said you guys would be able to help. I received a claim form from the county court claimant - Cabot Financial UK and Weightmans LLP representing,in relation to a outstanding capital one credit card.


    I had this card around 7/8 years ago and to my knowledge i never made a payment. I've joined Noddle and cannot see any reference to this account so its well over 6 years old. I've read through the paper and cannot find any dates on here when they say i had the card and when I defaulted on my account. obviously its very worrying as now ive got a family.


    i thought all debts were statue barred after 6 years? If i point this out to the website moneyclaim would they care or would it be ignored.



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