Jump to content


Claimform from Cabot for jacamo catalogue 'debt'


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3537 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

had a letter today out of the blue

 

about a claimform for a ccj

 

i have had letters from cabot before but kind of ignored them which was silly.

 

What do i do now i have filled out the bits needed

 

In order for us to help you we require the following information:-

 

cabot financial (uk) limited

 

Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.

 

20th of june 2014

 

What is the claim for – the reason they have issued the claim?

 

the claimant claims payment of the overdue balance due from the defendants(s) under a contract between the defendent(s) and jacamo.

dated on or about 29/01/2009 and assigned to the claimant on the 26/06/2012 in the sum of 337.44

 

particulars a/c no- my account number

 

then it just says the date default balance and post refel cr nil

 

What is the value of the claim?

 

there is no mention on any interest in the perticluars

 

Is the claim for a current or credit/loan account or mobile phone account?

 

online catalogue

 

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.

 

assigned to cabot by the looks of the letter

 

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?

 

cant remeber dont think so

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?

 

no i have never recieved any thing from anyone about defaults

 

Why did you cease payments:-

 

i came into finacial difficulties when i split from my wife i did think i had paid it up back in 2009 but cant be 100% sure

 

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 managementlink3.gif plan?

 

no

 

can anyone advise me further on what to do

 

i have seen there is a letter to send

 

but the are for loans and current accounts

 

and wasnt sure what to send as this is a catlogue.

Link to post
Share on other sites

Hi trueblue924

 

Yes you can still request information using the CPR 31.14 and the CCA...get them posted today and then refer to your time lime ..Acknowledge the claim first.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

what would that give me and where do i go from there

 

do i send the loans letter

 

sorry spent a bit more time reading and understand these forms are to get the original copies of the forms

and default notice and cca,

 

am i right in thinking i can do this online and also acknoldge the fact i have got the forms,

 

then i have 14 days to put in my defence

 

if they do not return the cpr and cca before the 14 days

 

or do i get more time to make my defence.

Edited by trueblue924
done some more reading and got a bit more of an idea but not much lol
Link to post
Share on other sites

Makes no odds whether the respond or not (and probably wont) you must follow the time line if defending.Yes you can do it on line once you have registered to use the MCOL service...just acknowledge the claim for now and give thought to how you wish to proceed.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

right i have acknoledged it online and

 

am going to send the forms

 

what can i used as my defence as i can not confirm that i made any payments

or how much they were for five years ago.

 

if they do not return the information i send off

 

what can i do from there

 

as i dont have proof of anything to use for my defence

Link to post
Share on other sites

Ever requested a CCA? Cabot rarely hold paperwork for debts. Could the amount be made of charges too? Cabot seems to think they can do what lowell are doing and issue court claims as a debt collection procedure instead of a last resort.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

no i have not requested a cca or a cpr

 

do i send the cpr template letter for a loan with it being a catalogue

 

or do i send a different one.

 

if they do not have the documents

 

can i put in a defence to say they can not provide documentation that i requested.

Link to post
Share on other sites

You need to edit the CPR 31.14 to suit the particulars that they have referred to in the claim.The CCA goes as it is.

 

No your defence will not be just based on what they can and cant provide there as to be an underlying reason...dispute ...unfair charges..etc.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • 3 weeks later...

hi guys i have had no update from cabot, when do i have to place my defence and i cant prove that i made payment so how am i best to make my defnece does the fact i have had no statements from jacamo at any point act as proof or is it in my benefit.

Link to post
Share on other sites

Tuesday the 22nd July is your deadline for defence.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

You wont hear anything before your defence so start to look at other similar threads and defences in preparation.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • 2 weeks later...

They have 28 days to respond/proceed and then the claim will be allocated and transferred to your local county court...if they fail to respond the claim will be stayed.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • 4 weeks later...

hi just an update

 

 

i submitted my defence on the 22/07/14 and

 

 

received a letter from them to see they want proof of any payments i had made before the 19th of august

otherwise they would defend my reason but

 

 

so far i have heard nothing

 

 

what happens next

 

 

i went on mcol and there was no updates on it so

 

 

what happens now

Link to post
Share on other sites

the claim is stayed

 

 

dx

  • Confused 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

post 14

 

 

type in stayed in the grey top toolbar search box

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

i have had a search but dont quite get it

 

 

dont know if its just me being an idiot or what,

 

 

i take it stayed means there is a hold on the procedings that they can at any point in the future decide to continue on

with the proceddings or does it mean something else,

 

 

surely if they have not done anything against my defence that is them giving up

and they can no longer take action and if was stayed would it not say that on mcol

 

 

sorry for being a bit of an idiot but i just cant seem to get my head round and

 

 

i cant find any post like mine to help me get my head round it

Link to post
Share on other sites

i have had a search but dont quite get it

 

 

dont know if its just me being an idiot or what,

 

 

i take it stayed means there is a hold on the procedings that they can at any point in the future decide to continue on

with the proceddings or does it mean something else,

 

 

surely if they have not done anything against my defence that is them giving up

and they can no longer take action and if was stayed would it not say that on mcol

 

 

sorry for being a bit of an idiot but i just cant seem to get my head round and

 

 

i cant find any post like mine to help me get my head round it

Your claim is on hold or "stayed" until the Claimant chooses to ask/apply to the Court to continue.

 

It could be stayed forever or a few weeks. No way to know I'm afraid.

Link to post
Share on other sites

MCOL does not show if a claim is stayed...its explained in CCBC acknowledgement of your defence what happens if they don't respond to your defence within 28 days.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...