I am confused now as to whether I should send letters or not???

In order for us to help you we require the following information:- Name of the Claimant ? Cabot Financial UK Limited Date of issue – 04 August 2016 What is the claim for – the reason they have issued the claim? Particulars of Claim 1.The claimant claims payment of the overdue balance due from the defendant under a contract between the defendant and sainsbury dated on or about July 07 2003 and assigned to the claimant on November 27 2012. 2. Particulars account ******** Date: 15/07/2016 Item: Default balance Value: £1809.53 Post Refrl Cr: Nil Total : £1809.53 What is the value of the claim? including court fee and legal cost £1994.53 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? credit card When did you enter into the original agreement before or after 2007? Before - 07 June 2003 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? I think so Did you receive a Default Notice from the original creditor? Not sure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not sure Why did you cease payments? Financial difficulty as at then What was the date of your last payment? 23 September 2011 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? i did have one which i defaulted on

Thank you everyone. This is amazing, whatever the end result is I appreciate your time and effort. Off to sort out both letter.

How do I attach documents or images to emails and to posts? They do not have an url. Thank you.

Thank you Gregs07

Hello everyone, I received a court claim dated 04 August 2016 for the sum of £1994.53. It is a claim put in by Restons on behalf of Cabot. Details of debt Original creditor: Sainsburys Type of dent : credit card Account opened: 7 July 2003 Terminated: 22 April 2009 Date of assignment: 27 November 2012 Last payment: 23 November 2011 Restons sent me a letter dated 15 July 2016 advising till 29 July to respond or they'll request CCJ. Sadly by the time I had access to the letter at my address that deadline had passed. I started getting calls from Cabot at all times of the day since last year but I didn't know who they were so I didn't respond. I do not recollect getting the notice of assignment from them. I am so terrified, what do I need to do now? Do I send a cca request to Cabot, I have seen the template on here. What are my deadline dates for responding to the claim court? Having a CCJ in place could harm my employment. Thank you. Please note I have read other threads, but not seen any that directly applies to my situation.