Cabot scottish summons - old vanquis card 'debt'

[BonScott77]

Evening all,

 

I have come home from work to a summons from Walker love messengers at arms in relation to a debt from 2009 and default 2010 for vanquis.

The amount is allegedly for £2400 yet the amount originally was roughly £1000.

The summons is for Hamilton sheriff court. Return date 3rd September 2015 and hearing date 17th September 2015.

States they applied for summons on 23rd July 2015.

 

This debt went unpaid due to contested charges and interest then led to default, passed from one cca to another. Tried writing etc and calling to no avail and things went quiet for some time and seem to have cropped up more so recently.

 

I don't have any other debt, ccjs or arrears. This has basically stemmed from a dispute 5 years ago that ihad forgotten about and to be honest ignored. Lost job and difficult circumstances and just thought bugger it.

 

What steps should i take. Would it be possible for someone to give me step by step instructions as no idea how this works.

I have no issue making a donation to site upkeep and can see that the support and information on here is vast.

 

Kind Regards and any and all input greatly appreciated.

 

Peter

[dx100uk]

WL were sinply delivering the paperwork

 

 

what is the form?

 

 

small claim 1a or another one?

 

 

this wont be vanquis as I bet the debts been sold on many times

who is the pursuer ?

 

 

you say 5trs, when this from? your last payment or you failed charges claim

 

 

need a wee bit more info please

tell us the story.

 

 

dx

[dx100uk]

ops sri I see its cabot.

[fkofilee]

Could be interesting to see if they have missed the 5 year extinguish date...

[BonScott77]

ops sri I see its cabot.

 

Hiya, thanks for reply.

It's a 1a form small claims summons. It's Cabot.

In the statement of claim they say "on or around 15th June 2009 vanquis entered into a credit agreement with me. Consumer credit act 1974. They say the defender defaulted on this account but give no date. They say ientered a repayment plan and defaulted on this and state last payment made to the account was on 22nd October 2010.

They then state that Vanquis assigned the debt to Cabot on 4th July 2014.

Hope this helps

 

Thank you again,

 

Peter

[dx100uk]

is that last payment date correct?

 

 

and was this taken out whilst resident in Scotland?

 

 

dx

[BonScott77]

I think so, that's what they have stated. Can't remember. Yes, was in Scotland.

 

Thanks again

[fkofilee]

DX will probably advise, but we need to be sure that the last payment date is correct. You have plenty of time to SAR Vanquis for this information.

 

Send a SAR letter and a £10 Postal Order to them. Get the information.

[dx100uk]

bon scott like the user name liked him lots from day one

 

 

anyway.

 

 

go get your credit file please [noddle below is free]

 

 

see if you can confirm that date by another method.

 

 

you've no 'real' rush to do anything yet unlike in England as long as you do 'something' back to the court by 3rd sept.

 

 

dx

[BonScott77]

bon scott like the user name liked him lots from day one

 

 

anyway.

 

 

go get your credit file please [noddle below is free]

 

 

see if you can confirm that date by another method.

 

 

you've no 'real' rush to do anything yet unlike in England as long as you do 'something' back to the court by 3rd sept.

 

 

dx

 

Cheers, aye Bon was the best front man.

How do you do a SAR?

Going to check noddle now. Will let you know shortly if details on it.

 

Thanks again all.

 

Peter

[citizenB]

http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request-**Updated-January-2015**

 

SAR request ^^^^^

[BonScott77]

Ok have checked noddle.

The default is coming under Cabot financial stating date of default 30th December 2011.

[BonScott77]

SAR request ^^^^^

 

Ok have checked noddle.

The default is coming under Cabot financial stating date of default 30th December 2011.

Does the SAR go to Vanquis and not Cabot. Many thanks again.

 

Peter

[fkofilee]

Yes SAR to Vanquis... Default date seems a little unfair in my view.

[dx100uk]

don't bother with an sar you wont hae time.

 

 

look at the last payment date in the pull down listing on noddle.

 

 

dx

[BonScott77]

don't bother with an sar you wont hae time.

 

 

look at the last payment date in the pull down listing on noddle.

 

dx

 

Hiya, noddle just giving default date and default red markers going back to when Vanquis allegedly passed debt to Cabot.

 

 

It's as if Vanquis never existed and I accrued the debt with Cabot from last year.

 

 

Default date is strangely year well after I stopped making payments??

 

Thanks

[dx100uk]

ok time to give vanquis a ring tomorrow and ask then.

 

 

you've not paid nowt to anyone since when you think you last paid vanquis though have you?

[BonScott77]

don't bother with an sar you wont hae time.

 

 

look at the last payment date in the pull down listing on noddle.

 

 

dx

 

Hiya again.

 

Any ideas?? Getting worried now I've thought about it and read more

 

Thanks

 

Peter

[dx100uk]

In your hands...

 

Did you ring vanquis?