I will copy and upload everything later as I'm at work at the minute

Yes but they never responded

Ok maybe got wording wrong. The court sent a letter saying that Cabot where taking me to court and asking if I wanted to defend, etc just before Xmas . I had to log on to the courts site and state how I wanted to respond. After doing some internet searches I found out I had to apply for more information or sar and credit agreement this was jan 15th. Now today they have sent me the credit agreement and an account statement with an enclosed letter say : Please find enclosed all of the relevant information following your request for information under section 77-78 of the consumer credit act 1974. As we has now complied with your request for information We are able to enforce the credit agreement, which you signed and entered into.enforcement means we are able to obtain a county court judgement against you. However we would prefer that you work with us to set up a repayment plan to settle your outstanding balance. The outstanding balance is xxxxxx. Please contact us on xxxxxyo discuss the options available. Ok they sent a credit agreement but no signature but I'm guessing that's not required as its after 2007. Hope you got all the info you need Thanks in advance

Back in dec 2014 I received a court summons from Cabot financial saying they where going to take me to court for a debt that I don't remember. I replied to them after getting some information asking for a statement of account and sar. I filled out the court letter saying I was going to defend as was going some reading off your site. After slmost 6 months they have sent me a letter with a credit agreement with no signature but I'm understanding this would not be needed as it was prob done online. And a statement where a last payment was made in 30/05/2010 They also envlosed a letter saying they have complied with my request for information and they are able to enforce the credit agreement but they would prefer that we work together to set up a payment plan. I'm not sure weather to call them and set up a payment plan although after reading here you guys say don't do that. So I'm asking what do I do next please