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  1. Hi all I am new here and in the same boat as most by the looks of it I received a Claim form from Northampton last week and at first thought it might just be another DCA trick (having had my alleged debts on the DCA 'merry go round' for so long have kind of gotten used to them playing ping pong) The claim form states the following info: Name of the Claimant - CABOT FINANCIAL UK LIMITED Date of issue - 6 FEBRUARY 2015 What is the claim for – the reason theyhave issued the claim? 1. The defendant entered into a credit agreement described by theoriganal creditor as LLOYDS BANK- UNSECURED LOAN and having account numberxxxxxxxxxx (‘the account’). 2. The Claimant, a UK limited company with company number 3757424, isthe assignee and legal owner of all rights previously enjoyed by the original creditorin respect of the Account. 3. The Defendant is indebted to the Claimant in respect of the accountin the sum of 12555.54 4. The Claimant claims the said sum of 12555.54 plus costs. What is the value of the claim? £12555.54 Is the claim for a current account or credit/loan account or mobile phone account? Loan When did you enter into the original agreement before or after 2007? Before Has the claim been issued by the original creditor or was the account assignedand it is the Debt purchaser who has issued the claim. Debt purchaser– CABOT -although has gone through at least 6 otherDCA first, initially I tried to negotiate (was refused each time) but couldn't keep up with the speed that they were moving the alleged debts around between them all so gave up about 3 years ago. Were you aware the account had been assigned – did you receive a Notice ofAssignment? Not that I can recall, just letters fromvarious DCA saying no longer dealing with and next DCA will be in contact! Did you receive a Default Notice from the original creditor? No, I don’t think so Have you been receiving statutory notices headed “Notice of Default sums” – atleast once a year ? No Why did you cease payments? Divorce, lost job,relocation, dropped over 16K in wages What was the date of your last payment? About 3 ½ years ago to the original creditor– reduced payments on a voluntary basiswith OC Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problemsto the original creditor and make any attempt to enter into a debt management plan? Yes, PayPlan originally and then on a voluntary basis for a while until could no longer keep up with the payments (was paying out over £750 to the OC) · Ihave sent a CCA request to Cabot and a CPR31.14 request to Weightmans (theirsols) · Ihave acknowledged Service on MCOL and have indicated that I will defend all. I would like someone to advise as to whether is anything else to do at the moment, Any help or advice would be greatly appreciated.
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