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  1. 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?
  2. Hi there im hoping someone can help me. A few months ago, I did a silly thing and took 1 plaster from a damaged box in sainsbury's. I was caught and came back into the store. They took my details even though the manager knew i was sincerely apologetic and HE EVEN SAID NO LETTERS WOULD BE SENT TO MY HOUSE. They said im banned for life and that i should leave. No police were called. They even let me appeal the ban and their security guard has been LETTING ME SHOP IN THE STORE, SO THE BAN HAS BEEN LIFTED! 2 months later i received a threatening letter from DWF requesting £154.40! Im just a 16 year old boy who couldnt afford for his family to find out so I did all the wrong possible things and did the following: Called up DWF. Begged them to close this case (they said no ) Accepted the offer of installments of £30 a month. So far i have paid 90 so 2 payments left. Was this the right thing to do? Do they actually take people to court? I actually cannot afford to pay anymore money, would they take me to court if i stopped paying halfway? Now they see me as gullible i dunno what to do? i cant afford to keep up these payments! What should i have done and what should i do next? if i pay the rest will they try come back and ask for more ? Any help is appreciated
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