cabot/Mortimer claimform - vanquis card 'debt'

[nohope]

Received a claim form this morning from cabot. Last thing we need at the moment as we are struggling as it is.

I have put all details below.

Can i still go for unfare charges from vanquis as we had never done this?

 

Please any help and some nice easy step by step help as i'm not to good with this sort of thing.

 

Name of the Claimant ? cabot financial

Date of issue – . 02-07-2015

 

What is the claim for –

 

by an agreement between vanquis and the defendant on or around 11/08/2010 vanq agreed to issue the defendant with a credit card.

The defendant failed to make the minimum payments due & the agreement was terminated.

The agreement was assigned to the claiment, the claiment therefore claims £613

 

What is the value of the claim? 613+court fee/solicitor's costs £743 total

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? credit card

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. cabot

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? yes

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

Why did you cease payments? out of work

What was the date of your last payment? unknown

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 management plan? no, hid head in sand!!

[dx100uk]

go get your credit file?

 

 

have you moved since taking the card out?

 

 

dx

[nohope]

not moved and will sign up for credit file in a mo.

What am i looking for on my credit file?

[nohope]

Is this what i need to find?

 

Cabot Financial (Europe) LTD

 

 

£ 613

 

31/05/2015

Default

[dx100uk]

That's prob the updated default info

 

Look in summary

 

Anyway

 

You need to back the claim on mcol website

Defend all

Leave juris untucked

 

Get a CCA request off to Cabot

 

And a CPR to the sols

 

Could be diff to defend mind

As its post Apr 2007 agreement?

 

DX

[nohope]

There is no summary option that i can find. I'm using noddle.

 

Can i still claim back unfare charges from vanquis at this late stage, was thinking that will stop everything for now and get the amount down?

[dx100uk]

nope

poss useful in mediation if it gts that far.

 

 

I doubt the defaulted date can be 31/5/2015

look at the top summary or on the left if noddle

will state - defaulted date:XXXX

 

 

you need to get reading up

 

 

many claims precede yours here

http://www.google.co.uk/cse?cx=partner-pub-0964707606882478:652l7hswbgv&ie=UTF-8&q=cabot/Mortimer+claimform+-+vanquis+card+'debt'+&sa=Search+CAG#gsc.tab=0&gsc.q=cabot%2FMortimer%20claimform%20-%20vanquis%20card%20'debt'&gsc.page=1

 

 

 

 

dx

[nohope]

Found it

 

Date of default 31/08/2011

 

Default balance £ 515

 

how has it jumped up to over 600 when the default is 515?

[dx100uk]

penalty charges [£12 late/over letter etc etc ]

 

 

anyway that aside

 

 

get the mcol done

and CCA/CPR stuff.

 

 

as post 5

[nohope]

What is the CPR and is there a template, just doing the CCA request.

[nohope]

I'm getting lost even more now.

On the template for the CCA its got parts that say delete as appropriate? what do i keep and what do i delete?

 

[dx100uk]

I'm getting lost even more now.

On the template for the CCA its got parts that say delete as appropriate? what do i keep and what do i delete?

 

 

 

urm read the the rest of the CCA request thread posts...it says that right at the top..............

 

 

cpr is in the legal section of our library

top green tab

 

 

dx

[nohope]

My bad, Couldn't see for looking.

Sorted that, do i use the claim number on the court claim as the reff number as its all i have from them?

[dx100uk]

yes

 

 

done mcol yet?

 

 

dx

[nohope]

Going to do that as well while i'm doing the cpr. Just reading through it and working out what needs deleting.

[nohope]

I'm on mcol, which option to i choose to start it off. Is it AOS?

[nohope]

Worked it out. Yet again, right in front of me all the time lol

[dx100uk]

post 5 refers

[nohope]

I'm getting there slowly, and i mean slowly. This is all way over my head.

What am i meant to keep or delete where it says delete if not mentioned in the Particulars of claim. Is it point 2 to 6 and just leave 1 the agreement there?

[dx100uk]

take their poc:

 

 

by an agreement between vanquis and the defendant on or around 11/08/2010 vanq agreed to issue the defendant with a credit card.

The defendant failed to make the minimum payments due & the agreement was terminated.

The agreement was assigned to the claiment, the claiment therefore claims £613

so

agreement

notice of assignment

termination notice

[nohope]

Everything has been sent off to them. Is it now just a case of waiting until they get back to me?

[dx100uk]

Time read lots of claim threads then

[nohope]

M C solictors have written back saying they agree to the 28 day extension, do i just write to the court and say they have agreed to it or do i add a copy of the letter in with it to prove they have said yes?

also, they are asking what documents i need, do i just say everything they have on record as i have nothing here.

[dx100uk]

Why do you want to give them more time to magic up paperwork?

 

You sent the CPR/CCA requests?

 

Dx

[dx100uk]

You need to read more than one relevant thread too

 

Cag is about self help as well

 

Mentioned this in post 19th July

But to date almost one month later you've read no legal threads relevant to a credit card claim form whatsoever??

 

Dx