Cabot/Restons Claim Form - old HBOS CC

[mrabody]

My wife has recently received a claim form from Restons on behalf of Cabot for an old HBOS credit card debt.

 

 

We will be defending the claim because we're pretty certain that they're not going to be able to get a signed agreement with the acct number on it.

 

 

I've sent an Acknowledgement of Service, and have filled out the questionaire below.

 

Name of the Claimant ? Cabot Financial (UK) Limited

 

Date of issue – 05 June 2017

 

What is the claim for –

The Claimant Claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and Halifax dated on or about MMM DD 2005 and assigned to the Claimant on June 24 2016.

 

What is the value of the claim? 6773.00

 

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 2007? Before

 

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 to Cabot Financial

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes

 

Did you receive a Default Notice from the original creditor? I think so

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Don't think so

Why did you cease payments? We got into financial difficulties.

What was the date of your last payment? I believe my wife was making payments through Stepchange until late 2015/early 2016.

 

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? We did through stepchange but it came to an end.

[dx100uk]

have you each received a claimform or are you jointly named on the same single form?

[mrabody]

No she's the only one named.

[dx100uk]

ok

 

 

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

[mrabody]

Both done. Am preparing a defence now.

[dx100uk]

due next Friday by 4pm

plenty of like threads here already.

 

 

dx