Hi all, I needed to submit a defence today (19th March) having acknowledged, Issue Date on 15th Feb (calculated, with the 5 days service etc). However, I can't seem to log in to MCOL and the path to reset a password just takes me to a dead-end set of informational pages about *submitting* a claim ... I'm clicking on the yellow log-in/register button on MCOL, which then takes me to a standard Gov Gateway page. Firstly, would I have been asked to set a new password on MCOL when I made the acknowledgement ( I can't remember .. so have been trying the password on the claim with my Gateway ID)? Secondly, is this run-around when trying to reset a password a temporary error, a long-term error, anything anyone is also experiencing (could it be cookies etc causing the issue - oh, maybe I'll try again with ad blocker turned off) ? And then, lastly, how does one go about informing the court that I couldn't log in and that is why the defence is late? Thankyou in advance!

OK - that's a good idea. I'll sort something out with a DSAR to Aqua and see what happened to the debt .. Another, simple thing to do is to dig out my paperwork - I keep everything.. - and track any statuses I've overlooked and re-examine anything to do with Aqua. Thanks for your help so far Andy and DX!

Ok - fair enough for the title amendment! Thanks. The older stuff was defaulted on in 2011 and they made the claim in about 2017/18 by the time I'd contested it and all that, it was dropped in 2018 (withdrawn rather than struck-out - I probably should have pursued an official strike out?). That was from an old credit card debt too. It is possible then that it this particular entry is from an Aqua card .. they've purchased the debt and I've not been aware of the purchase, or at least not registered mentally that their communications a few years ago were about something new..

Hi, Thanks for the reply. I only meant that the entry is fraudulent as there is no such thing as a Cabot Financial credit card... or is that the only way a dca can register a debt they bought? I'm not sure of the original creditor to be honest - might have been an Aqua card? I think that would have been the last thing I've defaulted on in my past.. everything else statute barred from poorer times 10 years ago or so.

Not really - it's closer to being a report on who set fire to their pants and why. Turns out to have been people who wanted to get new pants out of doing so... Funny how there hasn't been much talk in the press about their pants being on fire since the election. Almost as if much of the press were fanning the flames of the pants for their own gain - owned by billionaire pant moguls ? Which is ironic, given that same section of press have spent so much time denying their man's pants were on fire (liar liar) !

Hi all, Does anyone have good advice on how to best remove something that is fraudulent on your credit report? ClearScore is the one I'm looking at - (Equifax?) I have requested its removal but is that enough? I would presume Cabot to just come back and say it's real... IT is listed as a "Cabot Financial" credit card - with no data entered - claiming to be in default. They are a DCA and I have in the past had debt purchased by them. They don't even give credit cards, let alone being in a credit agreement with them, they purely have bought some debt from somewhere and I have no idea what it relates to - last dealing I had with them, was trying to striking out a claim in the small claims for debt from 2011 that was statute barred (I did that in about 2018) . That ended with Cabot informing the court they weren't pursuing it and longer. Any further tips that just requesting removal from the report?

(If I were to argue it in a court) I would say that it is a fine - one reason it's an unfair term in the User Agreement - because they don't charge you an introduction fee if you exchange details after selling an item, they don't charge you an introduction fee if you give/state your business address and contact details in a listing to a potential buyer (giving your business details is a requirement for business accounts). Yet they *do* charge you a "final value fee" if you send someone a contact number even if you don't sell the item to them, the User Agreement specifically stating that the fee is for introducing you to a potential buyer via their platform. So, if they only charge you this introduction fee when they fear they will loose a commision from you, and then describe it as something other than an introduction fee, I think one can show that it's purpose is as a deterent and is therefore a fine. But yes.. they call it something else. Thanks for the re-assurance that it won't go on my credit file - I assumed that it would just because it would eventually go to a dca.

In the short term, owing money to ebay will cause me problems I may have to swallow the fee / fine for now and then leave with an equal-sized debt at a later date. Not ideal way of working but that's what happens when companies deliberately act outside of your accessible legal framework in order to be a law unto themselves regarding user agreements and contracts. Tit for tat... and then of course another mark on the credit file that won't be removed for not being just or fair. Right old stitch-up from big companies..

Forgot about the Luxy bit..

Hi all, I have a strange problem with ebay. I have been charged £93 as an "off-ebay sale fee" after I signed a message with a potential buyer with my number in brackets underneath. They wanted to talk about the item over the phone. The item was for sale for £980. I then sold it to another person, yes off ebay, but through an ad on another classified advert. Here is the wording of their policy: https://www.ebay.co.uk/help/policies/member-behaviour-policies/user-agreement?id=4259#4. Abusing eBay Item #5. Fees: Is this a fair term? They're charging me £93 as an introduction fee simply because *I* provided contact info. The fee is included on my bill for next month. If I dont pay that bill, I wont be able to use ebay... and I have lots of things to sell. So I'd need some way of claiming it back afterward. Could anyone offer any advice?

Hi, Sorry for not replying at the time- My time was running out for my response to the claim didn't have time to fill in the CAG form etc then get bogged down in questions about the specific details of my claim when it was a technical question as to whether the Letter of Claim was part of their submission to the court. I think I had to submit it that night or the next day.My response to the county court did ask for all the details that was lacking on the court claim form - I obviously can't properly respond legally without these details. In response, Mortimer and Clarke soon stated they were no longer pursuing in the claim. I should really make sure this is quashed on the court side of things too...does anyone know the name of the form for this? Thanks in advance

Hi, I've received a County Court Business Centre claim from Mortimer and Clarke on behalf of Cabot. The description of what they're claiming is so very vauge and doesn't even mention an account number or any reference at all. It just states that it is regarding a claim for an amount arising from an agreement with a credit card company a rough date as to when they think an agreement was entered into, a statement that the debt was assigned and then "The claimant therefore claims £xxx costs" . And that is it. I had missed the Letter of Claim I had been sent which, now I've found and opened it, does give some more info. However, obviously I haven't responded to it within the 30 days. So.. in response now to the Court claim, do I ignore the info in the Letter of Claim and proceed as if it didn't exist? In other words, should I request all the lacking information in the court claim from Mortimer & Clarke under CPR 31.14 as I have done previously with an old Cabot claim or is the Letter of Claim part of precedings? Many thanks in advance for any advice.

Cool. thanks - I'll have a look for it. Getting Eronious (my new name for them) letters myself now so want to keep ahead of things.

Odd - got a notification on Jan 2nd:

(P.S. - has part of this thread gone missing? I received an email update from Jan 2nd saying there was a new post ... but there isn't, definately not the one I was emailed.)