Jump to content

Small claims action cabot/optima- old halifax card - phantom payment?

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2052 days.

If you need to add something to this thread then


Please click the "Report " link


at the bottom of one of the posts.


If you want to post a new story then


Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 



Recommended Posts

I have received a small claims action in the post.

It is a warrant to serve.

The pursuer is Cabot Financial (Uk) ltd.

The pursuers solicitor is Optima Legal Glasgow.


The debt is listed as. Halifax Credit card entered into on 28th May 1996.

The papers claim that I made a payment on 29th September 2011.


I have not acknowledged this debt and did not make the alleged payment in 2011.

The amount sought is £2,942.92.

I am very worried about this as I am self employed on a very low income and struggling to make ends meet as it is.

How do I argue that this debt is so old that it should be time barred and that I did not make the payment claimed?

I cannot pay for a solicitor so I will need to represent myself.

I must respond to the court papers by 30th September 2015.

Any advice would be gratefully received.

Thank you

Link to post
Share on other sites

easily done and you don't need a sols at all


is this a form 1a small claim?

just cabot issuing speculative claims in Scotland as they quite often do


go ring Halifax see if they have any details on that payment.


pers I'd file its statute barred, bugger off cabot.


lets get the info first

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... 

Link to post
Share on other sites

can you post up what they have written for the claim?

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.


Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...