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About jocky_gla

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    Basic Account Holder
  1. Thanks for the advice, Both letters now ready to go, will get them down the post office and await a reply.
  2. Thanks for the info, I'll start the process of both this evening. I was considering just contacting them and making an offer to get it out the way, but we have some time before that's required? Any information I will update here.
  3. Yeah I would say at the time when I took this out, it was a rather bad time. The limit was £1k, anything above that is charges/interest. Started at 300 and was changed to 1k from what I remember. I haven't seen/unable to put my hands of any of their letters, I file everything due How I work now and haven't seen anything on my doorstep from them.. I have heard nothing from shoos at any point until this signed for letter today. Yes my credit history is/was poor.
  4. Nope, never been at another address or registered for any finance anywhere else but this house.
  5. Looking through my Account, the last payment was on 09/08/2020, I made payments up until then. I have an email from Cabot on 12/12/2019 advising 14 days before action but seems to already be in my deleted items
  6. Looking for some advice on this, This is an old CC with Aqua from 2017 and i am looking for some advice on this. name the issuing court:Glasgow Sheriff Court Who Is The Claimant:Cabot Financial UK LTD Original Creditor: Aqua Credit Card (NewDay Ltd) Who Are the Solicitors:Shoosmiths LLP What type of action? (Simple/Ordinary):Simple What is the claim for –£1176.57 The claimants are a finance company which inter alia operates the business of debt purchasing. By virtue of a debt purchase agreement ('the agreement') between the claimants and Newday Ltd ("the original owner") dated 13/06.2019, the claimant acquired title to and was assigned the right to payment in respect of all debts and other monetary claims of any nature due or owing by the respondent to the original owner which were in existence as at the date of the Agreement, and in particular in relation to the contract hereinafter condescended upon. The said assignation was intimated to the respondent by the way of a written notice on or around 13/06/2019. The agreement between the respondent and the original owner upon which this action is based was regulated under the Consuer Credit Act 1974. Further information in relation to that agreement is contained in section D4, where we set out the sums due and the basis which the fell due. date of raised claim [or court stamp date from writ] :-10/02/2020 Last Date Of Service [or from form 07]:-12/03/2020 Last Date For Response [or from form 07]:-02/04/2020 What Documents are listed in Box E2:[or in your form requesting the same?] A copy of the credit agreement, Statements of account and notice of Assignation will be produced in any defended process to follow hereon (From Document) Is the claim for ......an Overdraft, credit card, loan account, HP Agreement, Catalogue or mobile phone debt? :- CC BOX D5 what has the claimant stated: IN FULL or [Pleas in law from the writ] …..U Want the court to order the respondent to pay me the sum of from your knowledge: answer the following: When did you enter into the original agreement before or after 2007? After 2007 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 - Cabot Financial UK LTD Were you aware the account had been assigned – did you receive a Notice of Assignment? NO Did you receive a Default Notice from the original creditor?Unsure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not sure/have none as of my records When was you last payment:-Unsure Why did you cease payments:-Unable to afford at the time 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?No Naturally since then till now I am in a different situation, do i contact them and arrange to pay this in installments or do i fight this? if so how do i and how would that affect me? I run my own LTD company now and in a contracting role and wouldn't want this to effect this. I am sorry if i have missed anything out,
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