Grumpy to say the least. There are plenty of power washers on the market, that will easily strip the paint from a car, whaterever the condition or age. All manufacturers use water based paints these days. It is my own car, it is 10 years old, yes I sat in it while it was washed. I also take it to other car washes regularly without issues. Hope this answers your queries... Regards...Dave G. Ps. Also it has never been resprayed or been accident damaged. The paintwork was in very good condition. The reason the lacquer came off was because the power wash nossle was held too close to the car.

Hi Guys, could do with some help... I took my car to a local car wash yesterday morning. Later on, after my car had dried, I noticed patches all over the car, where the lacquer had been power washed off. Some patches are quite large, so now my car looks an absolute mess. I returned to the car wash this morning to ask if there was anything they could do about it, and to be blunt, they dont. They weren't prepared to do anything. I asked for they're Public Liability Insurance details, only to be told they hadn't got any. I thought this was a legal requirement . So What can I do ? Regards...Dave G

Hi Dx, It was Natwest who combined the debts. I didn't defend at all, as I was unaware of this group then, and didn't think there was any other option. I am unsure what proof would be, I have never had any statements from Shoesmiths. All I get from them, is constant letters asking me to fill in income/expediture forms. Obviously trying to get more money out of me, I ignore these, and they point out they could take further legal action. I'll see if I can find the judgement letter, that could possibly be proof. Regards...Dave G

Hi All, my wife has been receiving letters from Wescots, chasing an old Natwest Overdraft. It was from a joint account that was closed by Natwest in 2007. While we were a bit daft, we had been paying it off through a company called Apex. After finding this group back in 2014, and realising we were being 'cash cowed', we stopped payments. Although this was a joint account we were both chased for the full amount of the overdraft. The whole amount of the overdraft was combined with a personal loan I had, and this has been dealt with in the county court. I have a charge on my property, and am making payment through Shoesmiths. My question is, has this overdraft debt been dealt with ?. If not, how do I proceed with Wescot, who seem to have the same address as Cabot. And I've heard Wescots are not beyond contacting your neighbours,to get information about you. Regards... Dave G

I see what you mean ! Just like to say, a big THANKS to all you guys, for your help. I've made a donation to help your cause, which is very worthwhile. All the Best.....Dave

Hi DX, how likely are they to 'unstay' the claim ? Regards...Dave

Hi Folks, Well, I rang Northampton business centre. They say claim was 'stayed' on 6th July. So, what does this mean ?...... All finished ? ......No more worries ? Regards....Dave

Hi Dx, Tradepro Card Sevices got the CCJ themselves. It wasn't a default judgement, I had it transferred to my local court, and attended. Regards...Dave G

Hi all, got a CCJ from Tradepro Card Services back in 2008. I just searched the company at companys house, and found out they have changed their name to Compello Card Services. This new company is now in liquidation. Was wondering, shall I carry on paying my monthly payment, (which goes to Tradepro Card Services) by standing order, or should I stop paying, and forget about it ? Regards...Dave G

Hi, defence was submitted on 2nd June, so 28 days has passed. Should I just forget about it now ? Reagrds...Dave

Hi All, got a letter from Mortimer Clarke last week. Saying they've received my defence, and they are going to get relevant information from Cabot. How long do they have to do this, and what is the next thing I have to do ? Reagrds.......Dave

How ?

Just read their 'Terms and Conditions', they've got more get out clauses than Del Boy ! I'll just give up........

Hi, I ordered a Toshiba tablet from Staples today.I was aware they had got the price wrong. But they processed the order and took payment, with Debit Card. Now they've sent e-mail saying they've cancelled the order, because it was an obvious mistake. Question is, can they do this ?. I thought once the order was processed I was in a contract with them. This has happened before with other companies, and they have honoured the orders, even though they made the same mistake. Any Ideas ?

Thanks Andy, Defence now submitted. Just wait to see what happens.... Regards... Dave

Hi DX, No I've lived at the same address for 30+ years. Regards...Dave

Tell you what... I'm going to start paying this again. I've managed to keep the wolves from the door for the last six years. I'm not depressed any more, and I don't worry about my debts. The small monthly payments (cash cowing) are worth it, just for the peace of mind. Regards...Dave

Thanks Andy, please check out this latest draft, and see what you think. Regards...Dave Particulars of Claim: 1.By an arrangement with Goldfish Bank Ltd (GFB) and the Defendant, on or around 14/09/2002 (“The Agreement”) GFB agreed to issue the Defendant with a credit card upon the terms and conditions set out therein. 2. In breach of the Agreement the defendant failed to make the minimum payments due and the Agreement was terminated. 3. The Agreement was assigned to the Claimant. 4. The Claimant therefore claims 3450.00 Defence 1. The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. The claim is denied with regards to an amount due under an agreement. The Claimant/Solicitor have been unable to disclose any agreement or statements on which its claim relies upon. 3. I understood that any payments made, were to Goldfish Bank Ltd, and Cabot financial was the collection agent for that Company. I am unaware of any legal assignment the claimant refers to within its particulars and deny the notice was served pursuant to the Law of Property Act 1925. 4.I have made payments of which have totaled to a value of £1600.00..during which time the claimant has never acknowledged or rendered an annual statement of balance. The claimant is unwilling to provide any evidence of accounting to determine if any alleged balance is a true reflection of any indebtedness. Until such time that the claimant can comply with my section 78 request and are prepared to provide the required annual statement of payments then I am unwilling to commence payments and they are unable to request any relief or enforcement. 5.I have requested information pertaining to this claim from Cabot Financial (UK) Limited by way of a Section 78 request. To date I have yet to receive a response complying with the request. This was posted on the 27 March 2015 and signed as received on 30 March 2015. 6.On receipt of this claim I requested information pertaining to this claim from Mortimer Clarke Solicitors by way of a CPR 31.14. To date I have yet to receive a compliant response. This was posted on the 08 May 2015 and signed as received on the 11 May 2015. Therefore with the courts permission the Claimant is put to strict proof to: (a)Show and disclose how the Defendant has entered into an agreement; and (b) Show and disclose how the Claimant has reached the amount claimed for; © Show how the agreement was legally terminated to allow the claimant relief. (d) Show how the Claimant has the legal right, either under statute or equity to issue a claim. 7. As per Civil Procedure Rule 16.5, it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the Consumer Credit Act 1974. 9.. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief including interest pursuant to S69 of the County Court Act.

Hi Andy, no, not had anything like that for at least 6 years.. No response to CCA Request as yet.. Regards..Dave

Hi Andy, sorry but can't find any info on assignement balance or payments, been through loads of old letters, nowt there. only have bank statements for last year. Going to have to go with what I've got, and hope for the best. Should I go with my last defence draft, or does it need changes ? Regards...Dave

Hi Andy, struggling to find any info on amount owed when Cabot took over. But I'm sure it was somewhere between £3500 - £3750. I will continue to try and find something more accurate if possible. I did find 2 letters I sent to Goldfish, explaining my financial situation, and requesting reduced payments. This was from 2008. Regards...Dave

Hi Andy, I didn't receive a notice of assignment. Give me a moment and I'll see what paperwork I've got regarding the balance.... Regards...Dave

Hi Andy request was sent 27 March 2015. I stopped paying around July 2014. Regards...Dave

Hi Andy, I stopped payments after reading this forum, and realizing I was being 'Cash Cowed'. Then I sent them section 78 request. Regards...Dave

Hi Guys, Had a credit card from Debenhams back in 2005. Due to financial problems I defaulted in 2008. I used the CAB to help me out, and we set up some minimum payment with various creditors. I was paying GE Capital (on behalf of Debenhams) about £5 per month. Over the next few years I increased my payments as my financial situation improved .The debt was then transfered to a company called CL Finance, and payments carried on. The company collecting payments was now called The Lewis Group. I assumed that they were the parent company of Debenhams. As far as I'm aware I never missed any payments, the payments over the last few years have been £15. A few weeks ago I checked my Credit report with noodle, and saw a CCJ for early 2012. The D.O.B was wrong, and I didn't recall any CCJ's against me since 2008 I rang the Northampton Bulk Centre, to check it out. They said it had been instigated by Howard Cohen solicitors, and it hadn't been acknowledged. I rang the solicitors and they said they had been instructed by CL Finance. Why would they do this ?, I hadn't missed any payments. When I said I had no court papers, obviously he wouldn't comment. He said that now CL Finance are no more, and the debt,s been sold to Hoist Portfolio. Never heard of them, shouldn't I be informed if this happens. my concerns are, are CL Finance allowed to get a CCJ againts me, when I didn't get any court papers?. Since reading this Forum, and thinking I was being 'Cash Cowed' I stopped paying them in March this year. Should I start paying them again ? Any help would be gratefully appreciated... Regards..Dave