Urgent help needed County Court Claim Cabot Financial/Hitachi Capital

neverdebtagain

Hi there. I do hope someone could help with good information what to do in my situation.

I received court claim almost 4 weeks ago. I submitted the AOS back on 25/9 and therefor now only got 1 more day before at least have to do defend form online.

My problem was I have been very ill for last 2 weeks with flu and also going through tooth abscess so really tough times for me. But nevermind I should still have got this sorted before it went so far.

I am praying someone of you could help me with some good information on how best to tackle this as I have to submit this form tonight. I will prob not have time to respond before deadline as have work all day today. But hope to respond back on anything here at forum from after 8pm uk time.

The claim is as below:

Claimant: CABOT FINANCIAL (UK) LIMITED
Amount Claimed: 795.32
Court Fee: £60.00
Solicitors Fee: £70.00
Total amount: 925.32

The original debt was to Hitachi Capital after buying computer equipment on credit which was urgent needed at that time last year.

But to keep it short I missed the first repayment which ended up in direct debit charges they added also got problems with my bank. But in total within couple months added charges of around £200 so I was in dispute and was in contact regular through email pointing out they could not charge these high fees.

So now instead of a reasonable debt of around £600 has now gone up to £925.32

What can I do now as I know have not got time to send those letters where I can request documents from Cabot. And I also read something else around the internet about sending these forms.

I am hoping to get an agreement with Cabot to pay of monthly instalments for original amount owed around £600 do you think that would be possible if I submit my defend part admission?

I was thinking to submit that tonight and put information about my dispute with Hitachi Capital.

But just very confused now as what can I do to help this situation apart from submit part admission? As its too late to claim back charges from Hitachi?

Do I put in defend form that I wish to request cca and cpr request? As I cannot get leter sent to them in time now?

Sorry for all these questions and very long thread just very upset about this.

Hope someone could shine a light asap would be very much appreciated.

neverdebtagain

Please :money:

chanz4

cca and cpr , op you may find your costs going up playing games. They will have a signed agreement

fermi

See: http://www.legalbeagles.info/forums/showthread.php?56030-Court-Claim-Cabot-Financial-Hitachi-Capital-help-urgent-please

neverdebtagain

chanz4 wrote: »

cca and cpr , op you may find your costs going up playing games. They will have a signed agreement

Playing games? If I defend original charges that was unlawful put on. Then amount would only be the around £600 plus court charges. All I need to know is do I have to pay those charges and nothing can be done about them? Have I got any rights to claim for them or? £60+£70=£130.

So If I ask for agreement of paying off every month and try settle £750 would be reasonable then? I dont understand you comment with playing games?

neverdebtagain

fermi wrote: »

See: legalbeagles.info/forums/showthread.php?56030-Court-Claim-Cabot-Financial-Hitachi-Capital-help-urgent-please

Yes thanks posted other debt forum to get help. Why link to different place. I came for help here as well.

chanz4

Court Fee: £60.00
Solicitors Fee: £70.00

can all be charged

neverdebtagain

chanz4 wrote: »

Court Fee: £60.00
Solicitors Fee: £70.00

can all be charged

do you mean challenged? charged...

or are you just saying they are ok to charge me them and nothing I can do? but more other questions interested in as wel.

sourcrates

Hi,
What the others are trying to tell you is that now the case has gone to court, they are entitled to claim the costs of taking the case to court, from you.
Its too late to start asking for agreements, which they will have anyway, if you originally disputed the charges added, say so in your defence.