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Cabot/restons claimform - old cat debt

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Good evening

a couple of weeks ago I received court forms from Nottingham regarding CABOT.

 

 

I have had a terrible time with this company,

3 times writing to ask for the creditors original signed credit agreement to no avail.

 

 

I put a defence in to the money online tool (no idea what Im doing really) and stated that this company had harassed me (calls at work etc) and not supplied me with the credit agreement etc.

 

Ive now received a letter from a company called Restons solicitors telling me my defence wont hold water and that I have 14 days to sort it

 

Letter dated 28th March

 

Ive been very ill since Friday so done nothing yet.

 

Could someone please advise me as Ive no idea who Restons are or if they are real

 

Thanking you in advance

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Hello and welcome to CAG. I've moved your thread to the financial legal section and left you a link to follow from the Welcome forum.

 

The guys should be along later with advice about how to handle this.

 

My best, HB


Illegitimi non carborundum

 

 

 

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Thank you very much apologies for getting it wrong x

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Name of the Claimant ? Cabot

 

Date of issue – 9.3.17

 

What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down.

 

 

they state I owe CABOT for non payment of a debt owed to JD WIlliams.

 

What is the value of the claim? £732.38

 

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

 

When did you enter into the original agreement before or after 2007? After

 

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? Not that I recall no

 

Did you receive a Default Notice from the original creditor? Not that I recall

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

 

Why did you cease payments? Unsure - apologies I'e had a life changing incident and things are muddled

 

What was the date of your last payment? Unsure

 

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 planicon? No

 

Sorry Im a little vague on some answers I feel lost.......

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type out the POC please


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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don't worry about the rectums letter that's the std one they send to every claimant to unsettle them

 

 

can you post up your defence too please

and the date you filed it on MCOL


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

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Reclaim Bank Account, Loan & Credit Card Charges Read Here

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Hi

 

Im really sorry but I cannot find the original letter from the court. I went online and completed a defence and got rid of it thinking online was ok (I now realise I may have been very naive indeed)

Ive logged onto MCOL but cannot see the original claim against me however a copy of my defence is below

I do apologise but Im lost in all this and did what I thought was right......

 

Defence

I have been constantly harassed by this company.

I have 3 times contacted them and said I do not acknowledge this

debt. I have asked for an original copy of any credit agreement

they may have to support this claim and they have completely

ignored my requests.

 

I will not pay a debt I do not believe to belong to me,and under

the Consumer credit act 1974 I require the following:

 

1. True copy of original signed executed credit agreement

2. FULL Statement of account

3. Copy of the executed deed of assignment from (original

creditor) and (DCA)

4. A fair processing notice.

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what date did you file it?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

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Claim History

A claim was issued against you on 09/03/2017

Your defence was submitted on 12/03/2017 at 17:13:46

Your defence was received on 13/03/2017 at 08:01:55

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did you send a CCA request and a CPR 31:14


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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and scan up the restons letter please to ONE PDF FILE

 

 

follow the UPLOAD


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Hi

 

I sent a cca 3 times to CABOT to no avail I am unaware what a CPR is so I have just googled it and no I have not

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god that's ok

 

 

so its getting close to being stayed then?

 

 

restons letter please


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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doesn't appear to be working


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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nope coming up blank

you try click on your upload


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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nope

I've sent you an email address

send it there please


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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blank via email too

can you see text on your pc of your copy?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I really dont understand as I can see it on the thread here and it opens as a PDF. Before I sent the email I clicked the attachment it opened perfectly

Very odd that you are not able to see it either way

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tried on 4 pcs and a tablet

all sheets are blank.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Ok well I have no idea why its not working guess its "not meant to be"

Thanks for trying to help me I do appreciate it

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it s probably the same letter you'll see in other rectum claim threads anyway

usual intimidation of defendants.

 

nothing to worry about.

 

they've sent no paperwork so it'll get stayed soon

then it will cost them more money to progress it


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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