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Hi there,
I'd be grateful for some advice please... I received a county court summons issued on the 16/01/14; Cabot claiming a debt to CitiGroup allegedly owed by me. I sent them a request to send me a copy of the CCA along with a cheque for a £1 to cover the admin fee, and clearly stating that it was not payment towards the debt on 22/01/14.
I also completed the defence statement to the court enclosing a copy of the letter to Cabot. I received prompt acknowledgement from both, Cabot interestingly enough said that they do not have the information on file but have contacted the original creditor and hoped to be in receipt of it within 40 days.
Today 05/02/14 I receive a letter from Wright Hassal (Cabot's solicitor, what a play on words!) repeating the blurb from Cabot's acknowledgment, but they then go on to offer me a 10% discount on the debt that I told them that I don't acknowledge, and told them not to chase me for if they could not produce the original CCA! Their 14 days are almost up, am I to keep expecting these letters from them effectively telling me that they need more time but I can still hand over my lunch money? & what happens with the court summons? I'm assuming this must lapse at some point?
I should add at this point that I foolishly took out this loan on behalf of and signed jointly with my high maintenance ex parter for cosmetic surgery in 2005. She refused to pay the loan and then ran off with the electrician who was working on our house. He gets all the benefits, and I get the debt. There has been no contact on my part with Citigroup, or Scabot or any of the other vultures who have tried to cash in on a debt that they paid far less than the £1,100.00 odd they are pursuing me for, and the default has been removed from my credit file quite some years ago now. I believe that the debt is now statute barred now but I need to close this out.
Thanking you in advance for your help,
LegalPrey?
I'd be grateful for some advice please... I received a county court summons issued on the 16/01/14; Cabot claiming a debt to CitiGroup allegedly owed by me. I sent them a request to send me a copy of the CCA along with a cheque for a £1 to cover the admin fee, and clearly stating that it was not payment towards the debt on 22/01/14.
I also completed the defence statement to the court enclosing a copy of the letter to Cabot. I received prompt acknowledgement from both, Cabot interestingly enough said that they do not have the information on file but have contacted the original creditor and hoped to be in receipt of it within 40 days.
Today 05/02/14 I receive a letter from Wright Hassal (Cabot's solicitor, what a play on words!) repeating the blurb from Cabot's acknowledgment, but they then go on to offer me a 10% discount on the debt that I told them that I don't acknowledge, and told them not to chase me for if they could not produce the original CCA! Their 14 days are almost up, am I to keep expecting these letters from them effectively telling me that they need more time but I can still hand over my lunch money? & what happens with the court summons? I'm assuming this must lapse at some point?
I should add at this point that I foolishly took out this loan on behalf of and signed jointly with my high maintenance ex parter for cosmetic surgery in 2005. She refused to pay the loan and then ran off with the electrician who was working on our house. He gets all the benefits, and I get the debt. There has been no contact on my part with Citigroup, or Scabot or any of the other vultures who have tried to cash in on a debt that they paid far less than the £1,100.00 odd they are pursuing me for, and the default has been removed from my credit file quite some years ago now. I believe that the debt is now statute barred now but I need to close this out.
Thanking you in advance for your help,
LegalPrey?
