Hi guys, Our Ltd company took out a Rentsmart agreement when we went to buy a new imac and Macbook for our business in 2016. We were talked into it and told it would save us money etc etc so my husband signed the agreement under our Ltd company name. The business hasn't worked out as we planned and we may now have to dissolve the company... .we contacted Rentsmart today and were told we are unable to cancel and would have to pay the full term of the agreement and return the goods (agreement cost includes their insurance charge). When my husband asked about it being in the company name they told him he had signed a 'Directors guarantee agreement' on behalf of the company and so is personally liable??? The hirer on the agreement is our Ltd company. ..yet when I have checked the small print today it states that the agreement is subject to the consumer credit act which does not apply to a Ltd company!! Any ideas how we can cancel this agreement without then chasing us for another £2550 for 2 items we have to return?? Thanks in advance Lisa

I'm guessing at 2009 for last payment, I know I got the card Jan Feb 2008 but then lost my job at the end of that year and stopped making payments. They are saying 2011 for date of last contact though which I do not agree with at all. Is there a letter I can send regarding last dates of contact/payment etc?? I had 2 CCJ letters at the same time and dealt with them the same way...1 was dismissed and has been cleared and dropped, this was the other one! If I can't go down statute barred route then is there anything I can do regarding PPI on this account or the £600+ charges added??

Hi, I had the card in 2008, last made a payment in 2009 as far as I'm aware. CCJ was granted in Dec 2014. I offered the defence after acknowledging the claim form that the debt was statute barred. I have never replied to any DCA about this debt until I sent the statute barred letter last week. I don't understand what they mean regarding the limitation period?? Thanks Sorry CCJ was granted in Oct 2014 not December.

Hi all, I disputed this via the court as I think it is Statute Barred but the court found in default judgement to Bryan Carter Solicitors. ..I haven't paid them since CCJ was granted and now in arrears of £350. I sent them a statute barred letter as I had this Vanquis credit card debt years ago and card limit was £500, the rest are charges they have added amounting to CCJ of £1105.13. There was also PPI on this card but it is from 2008/2009. They replied to me today stating... Our clients position is that the limitation period runs from the date the original creditor became entitled to demand payment this being 30 June 2011. It is our clients position that the account is not statute barred and that the amount outstanding remains payable by you. What on earth does this mean please? And is there anything I can do next?? Thanks Lisa

I'm not acknowledging the claim as then I am admitting that I owe that amount!! The original credit card limit was £500, the rest added is purely charges! I don't want to part admit it either, I am wanting to dispute it but am unsure what to write in the box?? I disputed one recently and stated it was statute barred.. ..I've not heard a thing from the court since regarding that one and it was in June. No I didn't attempt to reclaim the PPI as I had no details other than knowing the credit card was from Vanquis as I haven't had any statements or information from them for years!

There you go....... Name of the Claimant ? Lowell Portfolio I Ltd Date of issue – 01 Aug 2014 What is the claim for – Particulars: Claim is for £795.18 the amount due under an agreement between the original creditor and the defendant to provide finance and / or services and / or goods. This debt was assigned to / purchased by Lowell Portfolio I Ltd on 23/02/2012 and notice served pursuant to the law of property act 1925. What is the value of the claim? £795.18 the claimant also claims interest pursuant to S69 County Court Act 1984 from 23/02/2012 to date at 8% per annum amounting to £154.95. (Total £950.13) Is the claim for a current or credit/loan account or mobile phone account? Vanquis Credit Card When did you enter into the original agreement before or after 2007? Around 2007/2008. 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 was purchased by Lowell Portfolio I Ltd Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I am aware of. Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments:- 2008/2009 unsure of exact date Was there a dispute with the original creditor that remains unresolved? PPI on account Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No Cheers Lisa

Hi All, I have just received a Claim form from Lowell Portfolio I Ltd. via Northampton CC, it was issued on 01 Aug 14 but I only received it at the end of last week. After having a discussion with a friend who is quite clued up on these things he mentioned requesting the Deed of Assignment as apparently the debt is not allowed to be sold without me being informed and if they don't have this information then nothing can be done regarding the debt, he also went into explaining about the OPPT and it being dissolved therefore we are all debt free anyway!! What I am enquiring about on here is the best way to word the deed of assignment information request on the Court website when I dispute it?? Any help would be greatly appreciated. Lisa x

My question is though...can the bailiffs charge the fees they are trying to with no levy on any goods and only having visited us once??

We had to pay the ticket as once they had passed it to the Bailiff I was advised by the council that we could no longer contest it??

Hi Guys, I have had plenty of experience dealing with Jacobs bailiffs but never for a PCN, it's been council tax in the past. My husband received a PCN through the post but had never had a ticket attached to his windscreen in the first place! The council weren't interested and passed us from pillar to post and the debt was passed to Jacobs. They sent One letter through the post asking for 112 which was the PCN cost only, we were away with work when it arrived and when we got home the Bailiff knocked on the door for his 1st visit and has requested £151.44 in fees plus the £112 PCN! We paid the PCN direct to the council and advised the Bailiff of this via text message. Today we have received a letter stating that there is a balance outstanding of £151.44. As far as I was aware they can only charge a 1st visit fee and nothing else as no levy was made and nothing was signed by my husband. Can somebody give me some info regarding the correct lawful fees they can charge so I can email them to tell them how much we'll be paying and nothing more! Thanks Lisa

Yeah supposed to be paying today...my question was though...the council tax was paid the day they put their 1st visit fee on....so can they charge me a fee for only calling to collect their fee??

Hi again guys...had an old Council Tax bill that was passed to Bristow & Suitor for collection, I missed them originally when they called but I had made a payment that day to the council that covered the debt....I then received a further letter through the post regarding their £24.50 fee that needed to be paid...I didn't think anymore about it until 2 bailiffs knocked on my door this morning now requesting £42 as they have added another £18 on for calling!! Can they charge fees on top of fees only once the LO has been paid in full?? I told them I couldn't pay on the doorstep so he just posted a letter through but tried to pressureme into paying him there and then. Any advice would be great. Lisa x

Morning guys....had a response from the Council yesterday after cc'ing them into the Jacobs request for information e-mail, this is the response they sent...... Dear Madam Thank you for your e-mail, the contents of which have been noted. I have forwarded your e-mail to the necessary department for your enquiry to be dealt with as a matter of urgency. I trust this is in order. Yours faithfully XXXXXXXXXX Senior Customer Services Officer On behalf of the Council Tax Service No information about the fees from Jacobs but this letter arrived this morning......... Dear Sir/Madam Further to your recent communication we write to inform you that we are prepared to accept your offer of 6 payments of £200 every 31 days with a final payment of £157.55. The first payment is due on 9th Oct 2013. No further action will be taken as long as the payments are received within the period intervals. If you have not already met with our bailiff he/she will be calling to your property in the near future in order to levy and secure the debt for your local authority and further bailiff costs will be incurred. Please note our terms for arrangements: I understand that it is my responsibility to:- 1. ensure that all payments are received by Jacobs on the due date. 2. ensure I have my chosen payment method available e.g. payment card, debit card, postal order etc. and that in the event of not doing so, I find an alternative method of payment and advise Jacobs if my payment card is late. 3. ensure that I pay the agreed amount each time I make my payment and that if I wish to change this, that I must get consent from Jacobs first. 4. ensure that I do not change the agreed frequency of my payments without monthly consent from Jacobs. I also understand that:- 5. if I break my arrangement for any of the above reasons or any other reason that my arrangement WILL NOT be re-set and that payment in full will be due. 6. if enforcement action is taken it will be unlikely to cost less than £110. 7. Jacobs have the right to review the arrangement at any time and will contact me by phone or in writing should they wish to do so. 8. by Jacobs accepting this arrangement they are not abandoning the distress and as such I should advise them if any other bailiffs attend for other debts. Yours faithfully Jacobs I now need an idea of a letter to send them as by sending this it looks to me like they are going to ignore my request for information.....I haven't agreed any repayment terms with them, or any amounts and I'm certainly not going to make payment of the £191.50 fees for a Levy the bailiff has made up against a car he apparently checked with our neighbour that was ours but won't give me any info about! Neither am I going to make any payment to Jacobs! All payments will be made to the council!! Ideas of what to put in a straightforward way so they get the point would be great guys!! Thanks Lisa x

Hi guys, I've already sent the e-mail to the council and Jacobs on the generic e-mail addresses supplied on their websites. Once I get an e-mail back from a person at the Council I will get onto the issues you've just raised for me. I also got another text from the bailiff which read.... Hi, because you are unwilling to speak or deal with me to set an arrangement up on your account I have returned the case back to head office and told them to set you up for £200.00 monthly. If this is no good please contact head office. Regarding the fees applied the office can assist you on this also they have all details of the inventory the neighbour confirmed to be your vehicle. Best regards. So lets wait and see what excuses I get from Jacobs in a letter within the next week!! Lisa x

I spoke to the council yesterday who informed me that they can't do anything now it's with the bailiffs! The only advice they would give me was to speak to the Citizens Advice Bureau and get them to liaise with the bailiffs to put a 4 week hold on the account to stop the action until it was looked into?? I am about to send an e-mail to Jacobs and CC the council in on it. ..I am sending the letter as above but attaching it to an e-mail with the same info in that I texted the bailiff this morning regarding the false levy! I'll keep you all posted! Lisa