Name of the Claimant ? CABOT FINANCIAL (UK) LIMITED
Date of issue – 15 MAY 2017
What is the claim for – the reason they have issued the claim? “
1. By an agreement between SAINSBURY’S BANK & the Defendant on or around 20/10/2010 (the’Agreement’) SAINSBURY’S BANK agreed to issue the Defendant with a credit card.
2.The Defendant failed to make the minimum payments due & the Agreement was terminated.
3.The Agreement was assigned to the Claimant.
4.THE CLAIMANT THEREFORE CLAIMS £2200.”
What is the value of the claim? £2200
Is the claim for a current (Overdraft) or credit card /loan or catalogue or mobile phone account? Credit card
When did you enter into the original agreement before or after 2007? After: (around October 2010)
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. The debt purchaser
Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes – aware; not sure if Cabot is the first assignee (I tended to ignore all correspondence from debt collection agencies)
Did you receive a Default Notice from the original creditor? Yes
Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not sure
Why did you cease payments?
My husband became disabled,
was granted ill-health retirement by his employer and is now in receipt of PIP.
We had a number of sole & joint accounts between us.
We wrote to all our creditors (banks and credit card companies) explaining the situation, and they all, without exception, issued default notices, terminated the Agreements, and assigned the debt.
What was the date of your last payment? February 2014
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 ? Yes we communicated with all creditors, explaining our situation. They all seemed to accept that we were so straitened, that repayment was not possible, and they all assigned the debts.
I'm seeking help with a County Court summons that I've received from Cabot Financial;
I'm doing my best to follow the advice here on CAG and, to this end, I
'm following the instructions contained in the thread
I have a question:
how should I fill in the N9B form?
Should I tick the box that says
"I dispute the full amount claimed as shown on the claim form"?
If so, what should I state as my defence?