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About Berbice

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  1. Thank you dx. I'll take a good look at that search link you provided. Meantime, one quick question: -- "holding/no paperwork defence" -- does that mean my defence should be that I have not been provided with paperwork? Sorry to be a pain. berbice
  2. I understand dx. I have been doing my best to read other threads, it's just that I haven't stumbled on one relating to a claim that isn't time-limited (or statute barred - is that the expression?), like mine. I'll keep looking though. I wasn't sure whether my defence would be that I've asked for a CCA, or whether I have to come up with some other form of words. I'll work it out... In the meantime, thanks again for your help and guidance.
  3. Thank you dx. When is my defence filing date? Is it 14 days from 2nd June? And, just loosely, what will my defence be?
  4. Well, it’s been a few days, so here’s an update: Acknowledgement of service sent via MCOL on 1st June CCA request sent to Cabot today CPR 31.14 sent to Mortimer Clarke Solicitors today. Fulsome thanks go to the dedicated people who spend their free time to help people like me who would otherwise be floundering and losing sleep at night. I’ll update this thread as events unfold. And I will of course make a fitting donation to the site.
  5. Acknowledged; thank you. Thank you dx100uk, much appreciated. I intend to get to this in the next day or two when I can get some clear headspace.
  6. Thanks once again; I'll read everything carefully and register on MCOL. Definitely preferable to trekking backwards & forwards to the post office
  7. Thanks for responding Andy but you'll have to forgive my lack of understanding When you say "neither see above", are you saying that using MCOL negates the need to do either of those things?
  8. Thank you Andy, excuse my ignorance: what is "MCOL"?
  9. Actually, I've just realised that I should probably just complete the N9SDT form: Acknowledgement of service.
  10. 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. Hello 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 "You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014" 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?
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