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  • cabot financial europe ltd

    Hi, i'm new on here and wanted a bit of advice re: cabot financial- I recently got declined for a mortgage and the bank advised to check my credit file and I found this company on their with a default for £700 I contacted them repeatedly in writing and got various excuses and then a letter chasing me for the £700, I have no records of the alleged debt and have never heard from the company before
    eventually after 3 months of chasing they handed over what looks like a word document with a list of dates and amounts on advising that I had an old credit card around 2015 and made these payments so I must pay them £700, I referred the document to my bank and they were able to check my bank statements and confirm those transactions never took place

    since then cabot have decided this was a loan, but then changed their mind to a credit card and produced some limited paperwork that looks iffy, no default notice or contract etc can be provided

    however the bank have confirmed I cannot get a mortgage with them unless this is removed and resolved somehow

  • #2
    I have moved this onto a new thread as requested

    Hi on equifax it is Cabot management group ltd

    but after a complaint they advised it is Cabot financial (Europe) ltd

    basically this has caused significant loss to myself with a mortgage and as I am also a director of several companies the bank have failed a directors check on this also for a commercial loan

    i have even offered them a confidential settlement agreement via my solicitors to remove this debt by paying them 50% of it just to get rid of it they said no

    I must advise also - I lost my patience with there people and in May I issued proceedings against Cabot financial Europe ltd for damages and the financial loss I have suffered because of this, the matter is now listed to go to hearing in November
    Cabot are defending it in the basis they now deny they are the creditor its one of their other companies and I caní't prove the losses I claim
    court hearing is listed and agreed for November and Mortimer clarke are defending Cabot

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    • #3
      Originally posted by gazzer View Post
      basically this has caused significant loss to myself with a mortgage and as I am also a director of several companies the bank have failed a directors check on this also for a commercial loan

      i have even offered them a confidential settlement agreement via my solicitors to remove this debt by paying them 50% of it just to get rid of it they said no

      I must advise also - I lost my patience with there people and in May I issued proceedings against Cabot financial Europe ltd for damages and the financial loss I have suffered because of this, the matter is now listed to go to hearing in November
      Cabot are defending it in the basis they now deny they are the creditor its one of their other companies and I caní't prove the losses I claim
      court hearing is listed and agreed for November and Mortimer clarke are defending Cabot

      Are you acting as a Litigant in Person in these proceedings or do you have solicitors instructed?

      Who was the original creditor of this loan (or credit card) according to Cabot?

      If they are defending your claim on the basis they are not the debt owner (assignee), are they stating who is the current debt owner within the Cabot Group?

      For a claim to be successful it needs to be issued against, and served on, the correct legal entity.

      Di
      Legal Disclaimer

      I am a Litigation Executive at
      Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

      Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

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