CLOSED - Continues in AAD+ Legal Cabot Financial (UK) Limited ( Restons Solicitors Limited ) v Digby

[Digby]

Your AAD Forum Username

Digby

Name of Claimant

Cabot Financial (UK) Limited

Name of Claimant's Solicitors

Restons Solicitors Limited

Claim Issue Date

17 February 2016

Who Signed the Claim Form?

The Solicitor Firm (i.e. Joe Blogs Solicitor)

How much is being Claimed?

Over £10,000

Have you Submitted the AoS Response?

No

If Yes, when was the AoS Submitted

-

Details of Claim

Received copy of cca from Capital One via previous dca which was deemed invalid. Restons failed to provide credit agreement, deed of assignment, notice of assignment, default notice, termination notice, statement of account due to alleged unsigned request.

[Never-In-Doubt]

Re: Cabot Financial (UK) Limited ( Restons Solicitors Limited ) v Digby - Issued 17 February 2016

Hi. Jo is aware. Please send us the claim form

[Digby]

Re: Cabot Financial (UK) Limited ( Restons Solicitors Limited ) v Digby - Issued 17 February 2016

Have just emailed a copy

[nanna58]

Re: Cabot Financial (UK) Limited ( Restons Solicitors Limited ) v Digby - Issued 17 February 2016

All the best x

[PlanB]

Re: Cabot Financial (UK) Limited ( Restons Solicitors Limited ) v Digby - Issued 17 February 2016

Have just emailed a copy

It's arrived safely

Plan B x

[PlanB]

Re: Cabot Financial (UK) Limited ( Restons Solicitors Limited ) v Digby - Issued 17 February 2016

Digby if this debt is on your diary could you add a link to the latest post on this thread so we can see the background.

Plan B x

[Digby]

Re: Cabot Financial (UK) Limited ( Restons Solicitors Limited ) v Digby - Issued 17 February 2016

Here's the history for this one:


Capital One
Type of account - Credit card
Date commenced - 1998
Approx balance - £10,800
Date last paid – October 2014
Are you on arrangement or not paying – Was making reduced payment but have now stopped
Status – 28.8.2014 Default Notice
Account owner – Capital One or Cougar Collections, not sure at this time.
History – Capital One from date of agreement but may now be with Cougar Collections.

23.10.2014
Had an automated call this morning, a google search tells me it’s from Cougar Financial Services / CFS which suggests it concerns my Capital One credit card (they are the only company from a total of 12 who haven’t accepted my DMP proposal). We’ve not received any letters from Capital One to say that they’ve passed the debt on to this collection agency but I have to assume that is what they have done. This credit card account was opened prior to 2007 and I intend to send a CCA request using your template with a £1 postal order via recorded delivery. I am wondering should I send it to Capital One or to the Collection Agency or to both? I assume we’ll be receiving a letter from them in the next few days to confirm the debt has been passed over but I’m pretty sure it’s Capital One. I can block any calls from Cougar and I’ll await a letter from them but I’m wondering how things might progress from here.
27.10.2014 Now confirmed as passed to Cougar.
Have today sent request for CCA using your template, recorded and tracked delivery.
12.11.2014 Copy of CCA received from Capital One
14.11.2014 CCA uploaded
21.11.2014 Niddy advised temporarily UE as no PTs, advised to send follow-up letter.
5.12.2014 Letter from Capital One advising passed to Frederickson International followed by call from Fredericksons which I blocked.
19.12.2014 Follow up letter “CCA Query Missing Prescribed Terms” sent to Fredriksons
15.4.2015 Letter from Credit Solutions saying passed to them from Capital One and requesting arrangement for payment.
30.4.2015 Follow up letter “CCA Query Missing Prescribed Terms” sent to Credit Solutions
16.06.2015 Letter from Credit Solutions stating that unless I make contact the account will be referrred back to Capital One. Ignored.
Received a letter from Credit Solutions headed 'Final Notice' and stating that 'if you fail to make contact with us your account will be referred back to our client [and] they may consider selling [it]. Once sold, you will no longer deal with Capital One Bank '.
22.7.2015 Letter from Capital One advising no longer being managed by debt collection agency and now back with Capital One so please make payments to them etc.
14.10.2015 Letter from Cap1 saying account sold to Cabot on 24.9.2015 and all contact should now be with them

14.10.2015 Letter from Cabot inviting me to get in touch, ignored.

21.10.2015 Another letter from Cabot inviting me to get in touch, ignored.
04.11.2015 Letter from Cabot saying they’ll continue to try to contact me. Ignored.
12.11.2015 Sent 'missing prescribed terms' template letter to cabot
10.12.2015 Letter from Cabot dated 02.12.2015 saying that I must contact them within 10 days to prevent legal action occurring.
17.01.2016 Letter from Cabot stating account referred to Restons
21.01.2016 Letter from Restons saying I must pay in full by Feb 1st or they have instruction from Cabot to issue a claim against me, client may be prepared to accept payment by instalments or a reduced settlement figure.

[Pixie]

Re: CLOSED - Continues in AAD+ Legal Cabot Financial (UK) Limited ( Restons Solicitors Limited ) v D

Thread copied/moved to the Protected AAD+ Legal Claim Portal as requested --- > http://forums.all-about-debt.co.uk/s...-February-2016

THREAD NOW CLOSED

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