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Cabot/Nolans SPC Claim Oakbrook finance


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Hi

 

My first post here, so here it goes.

 

On Monday i received a SPC by a sheriff officer the date of the original loan was from the 15th of march 2015 for £1145 & i am at a complete loss at what to do!

 

So i called CAB who are saying since i am admitting to the debt i should get them to fill in the time to pay form. (the CAB person is coming out to see me Mon/Tue)

 

Is this the correct way to go?

 

I have severe depression & anxiety & claim ESA & PiP

 

Any help on what to do please?

 

 

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name the issuing court: Paisley Sheriff Court

 

Who Is The Claimant: Cabot Financial UK Ltd

 

Who Are the Solicitors: Nolans Solicitors

 

What type of action? (Simple/Ordinary): Simple

 

What is the claim for –

 

1.On or around 16/03/15 the respondent entered a Fixed-Sum Loan Agreement with Oakbrookunder which the respondent borrowed from them a sum of money repayable on demand.

 

2.The said agreement was an agreement regulated under the Consumer Credit Act 1974.

 

3.The respondent failed to pay as agreed on demand and is in breach of contract with the said Oakbrook.

 

4.The said supplier assigned all rights in the said debt to CABOT FINANCIAL UK LIMITED on 14/01/2019 and the claimants have advised the respondent of the same.

 

5.The said sum of £11145.91 is the sum sued for.

 

6.The claimants have made frequent requests to the respondent to make payment of the said sum but the respondent has refused or delayed to do so.

 

D.4:

 

Date of agreement - 16/03/2015

Reference number: 1200017602

Unpaid balance: £1145.91

 

 

date of raised claim [or court stamp date from writ] :- Not sure

 

Last Date Of Service [or from form 07]:- 03/03/2020

 

Last Date For Response [or from form 07]:- 23/03/2020

 

What Documents are listed in Box E2:[or in your form requesting the same?]

 

1. No defence: No evidence required

2. No stateable defence (rule 4.4 breach) - no evidence required

3. Statable defence conform to rule 4.4 - No additional evidence would appear to be required at this stage

 

Is the claim for ......an Overdraft, credit card, loan account, HP Agreement, Catalogue or mobile phone debt? :-  loan

 

 

BOX D5 what has the claimant stated: IN FULL or [Pleas in law from the writ]

 

The claimants request that the court order the respondent to pay them the sum of £1145.91

 

from your knowledge: answer the following:

 

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.:- Debt purchaser (Cabots)

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? Not sure

 

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 ? I think so

 

When was you last payment:- None

 

Why did you cease payments:- Mother died & then best friend & i fell into a big black hole.

 

Was there a dispute with the original creditor that remains unresolved? No

 

Edited by fox85
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pers I'd advise cab you no longer need their help.

that's not p'haps the right way to go no.

 

but 1st we need a bit more background.

 

I will guess this was some form of PDL?

 

did you have numerous PDL's with other lenders and was your credit file shot with numerous defaults and late/over payment markers when you took this loan out please?

 

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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Yes my credit has been shot since my early 20s.

Got the cab person coming just now.

I really do not know what to do now.

 

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Tell them thank you

im dealing with it myself

 

More later

 

Do not do a time to pay!!

 

 

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

Update

he has took the SPF form from me for their solicitors to look at on Monday.

 

Told him I was being advised on here not to do a time to pay.

 

Any help over this weekend you guys can give me over this weekend will be highly appreciated.

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just type no need to hit quote...

 

told you to fob them off.

you'll end up with a legally enforceable TTP order around your neck on a debt that is subject to irresponsible lending.

 

have you got your credit file with proof of defaulted dates that range back to before the takeout time of this PDL.

how many defaults and what type of debts are they please?

 

 

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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