Cabot/Wright claimform - old HFC Marbles card 'debt'Hassle

[Wardy6468]

Hi I am a first time poster and I am looking for some advice

 

Last November I received a letter from Northampton County court relating to a claim from Wright Hassle

acting on behalf of Cabot claiming £9k from an original credit card I had with Marbles.

 

I defended the claim and made a CPR request to Wright Hassle, Cabot and Marbles.

I received notification from the court that my case has been allocated to the small claims court.

 

Marbles responded to my CPR with a package of statements dating from 2003 to date.

They have not supplied my original agreement as requested

and cannot find my statements from 2000

(the year I originally took out the credit card) to 2003.

 

According to Marbles my balance on December 2014 is £6k.

Running through my statements I have paid £1,500 in PPI.

 

 

Running through the interest they put on the PPI and the interest owed to me

if I made a PPI claim the sum comes to around £3k that should be deducted from the balance.

 

Wright Hassle have sent me a letter that they intend to pursue the case.

 

Do I;

 

Defend the claim in its entirety as they cannot provide my original agreement

and cannot find 3 years worth of my statements (although I am not sure of my legal standing on this).

 

Contact Cabot and offer to settle at £3k (The original debt of £6k – the £3k PPI).

 

I would be grateful for any advice.

Edited February 1, 2015 by citizenB
removed bold

[citizenB]

Can you please have a read of the thread linked below and provide answers to the questions asked.

 

I appreciate you have already submitted a defence, but if you could let us know exactly what you said in that, then we will be able to advise more fully. If you could also provide details of the Claimant's particular of claim as well

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**

[citizenB]

If you were not aware of or were mis sold the PPI then you would be able reclaim that. Whether you would need to do that separately or by way of counter claim I don't know.

 

If you have all the details of the PPI, then you could/should complete a spread sheet so you know the exact amount you would expect for a refund. You will find the spreadsheet you require in the link below.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

Once you know exactly how much the PPI is, then you will be in a stronger negotiating position if that is the way you wish to go.

[dx100uk]

IMHO defend the whole claim - no paperwork

 

 

they have not

and with it being HFC, they won't, get a copy of your signed Agreement for that era

I very much doubt.

 

 

can we see the rectums letter as well please

I suspect, if you look at the other rectum claims here

and in

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?190-DCA-Legal-Successes

 

 

you'll prob see an exact copy of your letter

 

 

prob simply there willy waving to intimidate a defendant

which they always do

to try and get something out of you before they discontinue the case.

 

 

dx

[dx100uk]

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