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Cabot/drydens Claimform - old CAT 'debt'***Claim Discontinued***


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Hello please can anyone advise me .

 

 

..my story is

 

 

I received a letter from Cabot Financial about a debt owed to Fashion World from 2008.

 

 

They said the account was opened in my name although they are using a wrong surname on 30th september 2008

and a default was registered against me in December 2009.

 

I sent them the letter stating I had no acknowledgement of such a debt and I would like proof of the original documents/agreement etc.

 

They wrote me back on 30th December stating they couldn't find the records and they were pleased to confirm the account was reviewed

and it was not only being removed from their collections process but it would be removed from my credit file within 8 weeks.

 

Today I received a letter from Northampton Small Claims court for the debt that Cabot Financial have said I owe!!

 

They have sent a settlement /mediation letter that I have to fill out and send back by the 16th of Feb..

.any idea on what I send them apart from a copy of the letter saying the debt wasn't recognised?

 

I dont understand how they can do this legally when they have already said to be to basically not worry??

 

Never had a small claims letter before so not sure if there is a standard letter to send.

 

 

..like i said any help would be great thank you

Edited by discod2014
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Please monitor this thread for a reply tomorrow

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Have you checked your credit file recently? does this show on it?

 

 

Send a CCA to the Solicitor see here send a blank £1-00 po get proof of postage

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974-**Updated-January-2015**

 

 

I think you will need to CPR 31.14 to them as well

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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so the first you knew about this is the N9A?

 

 

you didn't get a claimform?

 

 

dx

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... 

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I have already sent a CCA and Cabot replied with what I posted originally..

 

 

. They can't find any account details etc.

 

 

The day I recieved the original letter from Cabot is the same say I got a blue form From Northampton Court.

 

 

I put on that form the name wasn't mine and I do not acknowledge the debt.

 

 

I sent that back and the CCA request with postage proof on the same day and

 

 

a couple of weeks later I hear from Cabot saying they can't find details

and the debt would be removed from records and

 

 

today I receive the small claims form from Northampton Court

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Did they put that in writing?

 

 

dx100uk will probably ask you to fill in a form, I don't have that link yet

fill it in and the post back

 

 

I think this is the link

http://www.consumeractiongroup.co.uk...-December-2014

 

 

The template for the CPR 31.14 is at the bottom of that thread list above

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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so you do have the original claimform?

 

 

dx

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... 

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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... 

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Share on other sites

Name of the Claimant Cabot

Date of issue – 28th January 2015

What is the claim for –

It says its a defended claim?

 

What is the value of the claim?

nothing on the court letter but Cabot reckon 480.25

Is the claim for a current account (overdraft or credit/loan account or mobile phone account? its a catalogue

When did you enter into the original agreement before or after 2007? 30th september 2008

 

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. Cabot say they are the legal owners

Were you aware the account had been assigned – did you receive a Notice of Assignment? No idea what that is or looks like :(

 

Did you receive a Default Notice from the original creditor? no although cabot say it went into default 22 december 2009

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? no

Why did you cease payments? no clue as to the debt and its not even the right surname

What was the date of your last payment? none

Was there a dispute with the original creditor that remains unresolved? no idea it was to long ago but I don't think so as i do not recall the fashion world account?

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt managementicon plan? no

 

If you have not already done so – send a CCA Requesticon to the claimant for a copy of your agreement

(except for Overdraft/ Mobile/Telephone accounts)

 

have already done this

Cabot told me there is no record of the account

they can find and it would be wiped from my credit file within 8 weeks

 

Send a CPR31.14 request to the solicitor named on the claim form for copies of documents mentioned/implied within the claim form. There are two different versions - one for Loans/Credit cards the other for Current accounts

I have had no letters from any solicitor just Cabot and Northampton Court

 

Hope this helps

 

 

I am sending back the small claims form

and ticking the box which says I do not agree

 

 

this warrants a small claim and

 

 

sending the court a copy of the letter Cabot sent me saying the account couldn't be found or collected upon

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Just acknowledge the claim for now and tick defend all...you have 33 days in total if defending 19 to acknowledge the claim and a further 14 to submit your defence.

You can do all this on line using the MCOL service once you have registered and attained a username...your password is already on the claim form.

 

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 OTHERS

 

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can we see the full PoC please too

 

 

dx

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... 

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Particulars of Claim...what they are suing you for (verbatim)

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 OTHERS

 

 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

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you don't need to scan ANY letters

 

 

just the PoC from the claimform mid left side

type it here

 

 

you forgot it when filling out the link

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... 

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today I received this email ...

Dear .........

 

Thank you for your email, dated 30 January 2015.

 

I am sorry to hear that you have had to raise concerns regarding this matter

and that you have received further correspondence from our agent.

 

 

Please accept my sincere apologies for any inconvenience or concern you may have experienced.

 

I can confirm that I have contacted our agent again to request that no further action is taken

and that you are not contacted again in relation to this matter.

 

Yours sincerely

 

Rebecca Sieber

Customer Support Consultant

Cabot Financial (Europe) Limited

 

1 Kings Hill Avenue, West Malling, Kent, ME19 4UA

DDI: +44(0) 1732 524 615

Fax: +44(0) 1732 521 216

Email: [email protected]

 

www.cabotfinancial.com

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POC please

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... 

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Share on other sites

the claim form went back to the court three weeks ago

 

 

I've explained all the correspondence I have had....

.nothing from Fashion World

...a letter from Cabot saying what I owed and when it went into default.

 

 

..a blue letter from Northampton County Court asking me if I knew of the debt and did I accept the claim.

..which was filled in and sent back weeks ago.

 

 

..then the letter from Cabot saying there is no record of the debt

and it would be wiped from my credit file within 8 weeks..

 

 

.then another form I had to fill in and send back which was a white piece of paper with small claims written on it

and did I again agree to it and did I want mediation..

..to which I replied no there is no debt

 

 

here is a copy of the letter Cabot sent me saying so and

 

 

today that email I have just posted..

 

 

. sorry if I'm being stupid but

 

 

I have no forms

they all got filled in and sent back by signed delivery

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Just got a letter in the post from a Drydensfairfax solicitors with an enclosed notice of discontinuance that was sent to court..

 

 

.its a copy of a form they have sent the court

 

 

and the box discontinue all of this claim is ticked.

 

 

..does this mean its telling the court to drop the claim?

 

Thanks x

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Just got a letter in the post from a Drydensfairfax solicitors with an enclosed notice of discontinuance that was sent to court...its a copy of a form they have sent the court and the box discontinue all of this claim is ticked...does this mean its telling the court to drop the claim?

Thanks x

 

Yes thats an end to the matter.

 

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 OTHERS

 

 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

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