Hi all I have received a claim from Northampton Bulk Centre issued on 18/01/2011 Re: Capital One Credit Card which was sold to Cabot. POC are as follows: The Claiment is the assignee of a debt from Capital One Credit card ref xxxxxxxxxxxxx Notice of assignment having been given to the Defendant in writing Despite demand for payment,£xxxxxxxx remains due. The Claiment claims xxxxxxxxxx and interest under s.69 county courts act 1984 and costs. As there is no mention of cca or default notice from cabot or cap one can i send cpr31.14 and cpr18 together I replied AOS online on 25/01/11 any help wuold be much appreciated Cabot are claiming more than the amount owing plus interest

HI Not yet had new summons just correspondence from eversheds to say that they are changing their poc with court. Also had a letter from liverpool county court regarding eversheds intentions and that they had until 22nd september to reply.

Thanks for your quick reply. I do not have documents to hand at present but court papers issued from Northampton about 1 year ago I am defending the case so now transfered to liverpool not got much further as it was refered to mediation but was then cancelled by court last January, no more contact until eversheds changed POC with a reconstituted agreement in july and now a letter today regarding their request for a voluntary charging order. Although i would like to continue to defend i feel out of my depth which is why i offered a monthly payment although i made it clear that i still felt that what they sent me was still unenfoeceable

Hi I have an ongoing dispute with eversheds Re : a nationwide credit card debt. it is now in the court system . I have offered to pay £10 pr month towards a £1600 debt but they have replied with a decision that they will only accept this offer if i agree to a voluntary charging order on my property first, this is my debt and second, the property is in joint names with my husband, are eversheds allowed to do this or should i wait to see if they proceed to court?

Hello to all I have an ongoing dispute Re: credit card debt with Nationwide I submitted a cca request but what i received was not enforcable as this was 1 a4 sheet of paper with a few t&c's and my signature a DN was also issued but did not give me the required time to reply. they then instructed Eversheds to collect on their behalf. I received a CC Claim from them to which i defended following the advice given on this site. The case was stayed until January 2010 i heard no more until today Eversheds have now sent a reconstituted agreement and issued a new DN can anyone advise is this right?

sorry to be a pain!!!!

HiI received a letter this morning from nationwide cc after issuing an account in dispute letter for not receiving my cca request within the 12+2 days.they have enclosed what they say is a copy of my credit agreement dated 20/07/06 this is just one sheet of a4 paper i am not able to post it as i am a complete computer dummy!!!!! the details i can give you areat the top of the page it says key information and lists charges that can be made to the accountthen a line about missing paymentsnext a paragraph about my rightsnext a paragraph about theft, loss, and misusenext a box with my right to cancelnext a box saying This is a credit agreement regulated by the Consumer Credit Act 1974 sign only if you want to be legally bound by its terms which does have my signature on and dated 20/07/06Next a box for ppi which i have signed for next a paragraph which says ;;for and on behalf of Nationwide building society................the above are part of the terms and conditions of your Nationwide credit card agreement the rest of the t&cs can be found in the t&cs in the credit card t&cs in your copy of this agreement Next a box containing important information re t&CS stating that i acknowledge thati have received the t&cs (version CTC mAY 06) which apply to this account ( with a small box containing a Y)the credit account number and application idnext a box for an additional card holder (nothing signsd here)That is all i have received re: the cca they have also sent me the last 12 months statmentsand a letter giving me until 17/03/09 to call or reply could somebody advise what to do next?Just remembered i also had a letter from K P R about 2 weeks ago offering to accept a reduced sum to pay off this debt but that time has now expired any advice wuold be grately appreciated

Hithanks for your advice i will send that off asap i don,t dispute that i owe the money but you would think in the current climate they would be glad to receive any reasonable offer made Once again thanks!

HiJust a queryI have a loan with sainsburys who i am now in differculty with (ONE OF MANY) I have sent numerous letters with offers of a reduced payment also many phone calls but they are refusing to help in any way.I am now ignoring thier calls which they are still making after i sent them the letter of harrassment found on your site.I have continued to make the offered payment but have now received a card this morning telling me they are sending a representitive to my home on 23/02/09 with a telephone number to call if this is inconvenient are they allowed to do this as i have told them i will only discuss anything in writing. Also this loan was taken out in April 2005 via an internet application so is it worth my while sending for a cca?. (Keep up the great advice you all give this site is a godsend)

Hi Could anybody tell me if it is possible to apply for mppi whilst working for an employment agency? Would be grateful for any response.