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    • Just as the title says, if ever there was a good reason to ditch Micro$oft and move to Linux then this is it :-   Giving Windows total recall is a privacy minefield • The Register WWW.THEREGISTER.COM It's only a preview, and maybe it should stay there ... forever Help is available, most modern PC's can run a version of Linux suitable for your needs and it is not difficult to use or learn. Ubuntu is popular, new version is very modern Garuda Linux is the one I use, based on Arch, rolling release, bang up to date. I have friends and acquaintances, old and young, PC Literate and not. Most people who try it never go back to Windows Hamster
    • I've had to hide two of your posts.  Anyone clicking on your links gets sent to external sites.  On top of that your real name is showing on one screenshot.  Fellow Site Team member dx100uk has already politely asked - Anyway, jk2054 wants to see the communication you got from your local court which will have told you about the hearing date of 17 June, and will have mentioned a deadline for filing your Witness Statement.
    • I believe it is helpful to seek guidance from a range of places and decide on the validity of the sources and frequency of responses which are most helpful. A single voice can be a dangerous thing. As, of course, can groupthink. Scott, it feels like £4k on a solicitor for a £1.5k bill is overkill. Were we back in time I'd suggest small claims court as your claim sounds like it may be straightforward? By all means add that phrase on. I also suggest you contact the court and go and sit in on a couple of similar cases to get a better understanding before you shell out.
    • a card should be 16 digits...urm... note your dates above please. do not miss them no matter what happens  ......................... pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
    • Which Court have you received the claim from ? Northamton, civil national business centre Name of the Claimant ? PRA Group Uk Portfolios ltd. How many defendant's  joint or self ? self Date of issue –  21 May 24 date of AOS - 07-06-2024 date for filing defence by - 21-06-2024 Particulars of Claim 1. The claimant claims the sum of £5600 for an outstanding debt owed. 2. On Mar 2000 the Defendant entered into an agreement with Barclays Bank Uk PLC for a credit card under reference ( 11 digit ref ). 3. on Mar 21 the defendant defaulted on the agreement  with an outstanding balance of £5600. 4. On Aug 21 the debt £5600 was assigned to PRA Group (UK) Limited, who itself assigned the debt to PRA Group UK Portfolios Ltd on Dec 23. 5. Notices of assignment were sent to the defendant in accordance with S136 Law of Property act 1925. 6. The claimant has instructed PRA Group (UK) Limited to act on its behalf in the recovery of the outstanding debt and to pursue litigation on its behalf. AND THE CLAIMANT CLAIMS 1. The sum of £5600 What is the total value of the claim? £6100  Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No - just emails threatening action   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes   Did you inform the claimant of your change of address? no Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? credit card   When did you enter into the original agreement before or after April 2007 ? before - in 2000   Do you recall how you entered into the agreement...On line /In branch/By post ? I don't recall - I suspect post / online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? am awaiting access - but I suspect it is    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. assigned - debt purchaser has issued the claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Pretty certain - Yes   Did you receive a Default Notice from the original creditor? pretty certain - Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? there's been gaps - they went very quiet  Why did you cease payments? Covid lockdowns  What was the date of your last payment? i thought it was 2020 - they say 2021 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
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CABOT/? claimform - old sainsbury credit card debt


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Name of the Claimant ? CABOT FINANCIAL (UK) LIMITED

 

Date of issue – 15 MAY 2017

 

What is the claim for – the reason they have issued the claim?

1. By an agreement between SAINSBURY’S BANK & the Defendant on or around 20/10/2010 (the’Agreement’) SAINSBURY’S BANK agreed to issue the Defendant with a credit card.

2.The Defendant failed to make the minimum payments due & the Agreement was terminated.

3.The Agreement was assigned to the Claimant.

4.THE CLAIMANT THEREFORE CLAIMS £2200.”

 

What is the value of the claim? £2200

 

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

 

When did you enter into the original agreement before or after 2007? After: (around October 2010)

 

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. The debt purchaser

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes – aware; not sure if Cabot is the first assignee (I tended to ignore all correspondence from debt collection agencies)

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 ? Not sure

 

Why did you cease payments?

My husband became disabled,

was granted ill-health retirement by his employer and is now in receipt of PIP.

We had a number of sole & joint accounts between us.

We wrote to all our creditors (banks and credit card companies) explaining the situation, and they all, without exception, issued default notices, terminated the Agreements, and assigned the debt.

What was the date of your last payment? February 2014

 

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 ? Yes we communicated with all creditors, explaining our situation. They all seemed to accept that we were so straitened, that repayment was not possible, and they all assigned the debts.

Hello

 

I'm seeking help with a County Court summons that I've received from Cabot Financial;

I'm doing my best to follow the advice here on CAG and, to this end, I

'm following the instructions contained in the thread

"You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014"

I have a question:

how should I fill in the N9B form?

Should I tick the box that says

"I dispute the full amount claimed as shown on the claim form"?

If so, what should I state as my defence?

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Hi Berbice and Welcome to CAG

 

 

Many thanks for completing the link.

 

So now you need to send a CCA and CPR 31.14 request..instructions are provided in the same link.

 

Register to use the on line portal for MCOL...to get your user name (instructions are contained within the claim pack) your password is already on the claim for.

 

You have 33 days in total if defending this claim...19 days to acknowledge service (date on the claim form is day 1) and submit your intended plea.If you do intend to defend the claim in full you get a further 14 days to submit your defence...33 days in total.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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I have a question: how should I fill in the N9B form? Should I tick the box that says "I dispute the full amount claimed as shown on the claim form"? If so, what should I state as my defence?

 

Actually, I've just realised that I should probably just complete the N9SDT form: Acknowledgement of service.

 

Neither see above....no need to use the forms at all.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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MCOL Money Claim On Line...its the online service to deal with your claim...all the details are contained within the claim response pack.

 

Saves you filling in forms and walking to the post box and buying stamps....and a lot more secure and reliable

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Neither see above....no need to use the forms at all.

 

Thanks for responding Andy but you'll have to forgive my lack of understanding :???: When you say "neither see above", are you saying that using MCOL negates the need to do either of those things?

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Its all explained in post#3

 

Register to use the on line portal for MCOL...to get your user name (instructions are contained within the claim pack) your password is already on the claim for.

 

You can do it all through the internet from your computer or you use can the forms they have sent enclosed in the pack. ( if you prefer postage and walking to the post office and buying stamps.)

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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You must acknowledge service by the 2nd June 4.00pm

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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pop up on the MCOL website detailed on the claimform.

.

register as an individual

note the long gateway number given

then log in

.

select respond to a claim and select the AOS box.

.

then using the details required from the claimform

.

defend all

leave jurisdiction unticked.

click thru to the end

confirm and exit MCOL.

.

get a CCA Request running to the claimant

leave the £1PO blank and uncrossed

.

get a CPR 31:14 request running to the solicitors

.

don't sign anything

.

dx

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... 

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You must acknowledge service by the 2nd June 4.00pm

 

Acknowledged; thank you.

 

pop up on the MCOL website detailed on the claimform.

.

register as an individual

note the long gateway number given

then log in

.

select respond to a claim and select the AOS box.

.

then using the details required from the claimform

.

defend all

leave jurisdiction unticked.

click thru to the end

confirm and exit MCOL.

.

get a CCA Request running to the claimant

leave the £1PO blank and uncrossed

.

get a CPR 31:14 request running to the solicitors

.

don't sign anything

.

dx

 

Thank you dx100uk, much appreciated. I intend to get to this in the next day or two when I can get some clear headspace.

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  • 2 weeks later...

Well, it’s been a few days, so here’s an update:

 

Acknowledgement of service sent via MCOL on 1st June

CCA request sent to Cabot today

CPR 31.14 sent to Mortimer Clarke Solicitors today.

 

Fulsome thanks go to the dedicated people who spend their free time to help people like me who would otherwise be floundering and losing sleep at night. I’ll update this thread as events unfold. And I will of course make a fitting donation to the site.

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whatever happens or not

do NOT miss your defence filing date

 

 

dx

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... 

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the link post where you typed out all you details tells you how to calculate your def filing date.

 

 

as for a defence

cag is a self-help site too

you need to reading other like claimform threads here for

 

 

cabot claimform card

search CAG box top red toolbar

 

 

cant see that you've read any other related threads at all ......

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... 

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I understand dx.

I have been doing my best to read other threads,

it's just that I haven't stumbled on one relating to a claim that isn't time-limited (or statute barred - is that the expression?), like mine.

 

 

I'll keep looking though.

I wasn't sure whether my defence would be that

 

 

I've asked for a CCA, or whether I have to come up with some other form of words.

 

 

I'll work it out... In the meantime, thanks again for your help and guidance.

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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... 

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Share on other sites

Thank you dx. I'll take a good look at that search link you provided.

 

Meantime, one quick question: -- "holding/no paperwork defence" -- does that mean my defence should be that I have not been provided with paperwork?

 

Sorry to be a pain.

 

berbice

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yep, you put them to strict proof you owe them...

 

hope you filed your defence?

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... 

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Share on other sites

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