Claim form from Cabot re: BCT Old car loan

[Zebedee]

Yesterday I received a claim form from Cabot regarding a disputed account I had with British Credit Trust.

 

It was regarding an alleged outstanding amount of just over £1300 which I believe is made up of mostly late payment fees and charges.

I have previously asked BCT of a complete breakdown of charges added, what they were for and dates when they were charged but had no response.

I don’t recall receiving a letter of assignment or anything at all from Cabot regarding this account, until I received the claim form yesterday.

 

 

I do intend to defend.

 

Details on the form are as follows:

 

Claimant: Cabot Financial UK

 

Date Of Issue: 18 Sept 2014

 

POC: By an agreement between British Credit Trust ("BCT") & the defendant on or around 01/08/2007 ("the agreement") BCT agreed to loan the defendant monies under the terms and conditions set out therein. In breach of the Agreement the defendant did not pay the instalments as they fell due and the Agreement was terminated. The Agreement was assigned to the Claimant on 26/09/2013. THE CLAIMANT THEREFORE CLAIMS £1338.72

 

Value of claim : Amount claimed - £1338.72 Court Fee - £70 Solicitors costs £80 Total Amount £1488.72

 

The account was for a car loan on HP with British Credit Trust

 

Original agreement was dated 06/08/2007

 

Debt purchaser (presumably) has issued the claim - I was not aware the account has been assigned

 

I am not sure whether I received a default notice from BCT - I cannot remember receiving one and if I did I certainly don't have it anymore.

 

I have not received any Notice of Default Sums from anyone.

 

When I lost my job in April 2011 I started to miss payments.

I contacted BCT at that time but they would not take lesser payments and I could not afford to keep up full repayments.

I paid what I could when I could, eventually telling them I could no longer afford the car

and as I had paid over 3/4 of the loan I was within my rights to return the car

so I told them to collect the car At this time

I also asked for a breakdown of charges added to the account.

 

 

I remember receiving a list of amounts at that time but not dates, amount charged and what it was for.

This was and still is in dispute.

I heard nothing from BCT after this (around Oct 2011)

 

Who do I contact for CCA request - Cabot or BCT?

 

I will send a CPR31.14 request to Cabot. In the meantime what should I do about the claim regarding acknowledgement.

 

As I believe a substantial part of what Cabot is claiming is made up of charges and fees can anyone offer advice on a defence?

 

Thanks in advance.

Edited September 25, 2014 by Zebedee
Typo's

[AndyOrch]

The CCA goes to the Claimant Zeb.

 

Andy

[Zebedee]

Cheers, Andy. I'll get that sent off then

[AndyOrch]

Head your request " I do not acknowledge any debt with your company"

[Zebedee]

Have signed up to Noddle a couple of months ago

noticed some items on my report I didn't agree with,

 

 

queried them with Noddle and got nowhere,

 

 

queried with MMF and they have been removed from my file.

They were defaults.

There is also another default on there which I'm in the process of querying and am hopeful this will soon be removed too.

 

I do have one major concern though.

A CCJ was registered against me last 28th October 2014, for £1510

 

I *think* this was from Cabot around an old car loan debt that I was, at that time, querying with the original creditor (PPI, charges etc) but heard nothing back from them.

 

On checking further into this (all I have is the judgement number) they have also gotten a charging order on my home.

 

I'm not sure I owe this money in the first place, and if I do I'll pay it. Its not a huge amount of cash.

 

How do I go about sorting out this?

Where do I go to find out who the creditor that took me to court is

(I have a feeling it was Cabot, or their solicitors).

Can I still query this

and can I claim back any charges added to this account?

 

Any pointers would be appreciated.

[renegadeimp]

Call up northampton with the CCJ number and theyll give you details.

[dx100uk]

old thread merged

 

 

looks like you did know about it but did nothing?

 

 

dx

[dx100uk]

I take it you didn't VT the car

but let them repo under VS

thus you became liable for all the sums of the agreement

rather than under VT, not owing anything as you'd paid +50%.

and I bet you got stung for repo fees too.

 

 

SAR time to BCT me thinks.

 

 

dx

[ArchieA]

Wouldn't the court write to you? Are you sure you received no documents at all? Very much doubt a court would collude with a DCA

[dx100uk]

prob moved and didn't tell anyone

 

BCT or more correctly, Thames Credit were struck off by the then FSA oft etc

 

then morfed into British Credit Trust

 

they fleeced 10'000 of people blind

FWIW you'll have £1000's in all manner of compulsory insurances and penalties you can reclaim back