The company was desolved in 2009 and a directors guarantee was signed

The original CCJ was 12 June 2009 from Lloyds TSB. Cabot have not been in touch about this. The entry on Land Registry is from Lloyds TSB not Cabot

Need some advise on this. I will try to be brief I discovered by accident when searching my title deeds that there was an entry by Lloyds TSB dated 2009 regarding an outstanding overdraft for a dissolved company that I was a director. I have no notification of this charging order. As Lloyds TSB no longer exists, I contacted Lloyds to shine some light. They (after some denial of existence) come back with information that this was for the overdraft. Lloyds say "They no longer have an interest in this debt" and have sold on the amount to Cabot financial. I have had no contact from Cabot since 2009. I contacted Land Registry to remove the order as the order is in the name of lloyds TSB who no longer have an interest. Land Registry refuse to remove unless Lloyds instruct them to. Lloyds will not as they no longer have interest and refer me to Cabot, and if cabot agree, then they will remove the order. If I contact Cabot, will they want payment? Is the Land Registry correct in not removing the order? Thanks

Hi. I am an EX furniture salesmans from a very reputeable company. I can tell you that the tricks that these big furniture companies come up with are bordering illegal. 24 hours is not an unreasonable amount of time to cancel an order, in fact I would imagine upto 14 days would be still ok. Call there bluff and tell them youare goingto Trading Standards and Citizens Advice and you will challeng this through the courts. Regards Bazza

Thanks .... Much appreciated Regards Barry

Hi Andy Any thoughts? Regards Barry

Thanks Andy..... Much appreciated. Regards Barry

Hi An Update. As the date is getting close for me to submit my defence, I can supply the following update. I sent a letter to Lowell asking for CCA & CPR request dated 20 May. I received a letter from Lowell Solicitors confirming the outline that this relates to "Opus account opened on 16 Feb 2000. The last payment 28 December 2011" My request (cca/ cpr) has been sent to the original creditor" I have had no further response. As I need to put together a defence after the "Acknowledgement of service " was sent, I am a little confused how to approach this. The last payment to the original creditor was December 2011: Is this "statute barred" or does the timer start from the date of LowellsDefault notice? The "original creditor was actually "CITI" bank. I cannot find any agreement for OPUS Lowell have taken me through the court with this same account in 2013 with a Stat Demand and the court through out and "set aside" the case. Can this be put in my defence statement? Just need a little help from you guys if possible. Thanks Barry

Hi Yes the last payment was December 2011

Hi An Update. As the date is getting close for me to submit my defence, I can supply the following update. I sent a letter to Lowell asking for CCA & CPR request dated 20 May. I received a letter from Lowell Solicitors confirming the outline that this relates to "Opus account opened on 16 Feb 2000. The last payment 28 December 2011" My request (cca/ cpr) has been sent to the original creditor" I have had no further response. As I need to put together a defence after the "Acknowledgement of service " was sent, I am a little confused how to approach this. The last payment to the original creditor was December 2011: Is this "Statute Barred" or does the timer start from the date of LowellsDefault notice? The "original creditor was actually "CITI" bank. I cannot find any agreement for OPUS Lowell have taken me through the court with this same account in 2013 with a Stat Demand and the court through out and "set aside" the case. Can this be put in my defence statement? Just need a little help from you guys if possible. Thanks Barry

Just found out that the original "CITI" card was taken out before 2007 (2001) does this make a difference? REgards Barry

Hi Andy I have acknowledged the service. ... Do I need to wait for the CCA & CPR requests now? Regards Bazza

Done as advised Regards Barry

Yes Correct ( I got mint be mistake). Its and OLD CITI card which then became OPUS now Lowells

Particulars Of Claim: 1)The defendant entered into a consumer credit act 1974 regulated agreement with Opus under account ref 005474************ 2) The defendant failed to maintain the required payments and a default notice was served and not complied with (this was in 2012) 3) The agreement was later assigned to the claimant on 29/05/2012 and notice was given to the defendant. 4) Despite repeated requests for payment, the sum of £4209.71 remains due. And the claimant claims a) The said sum of 34209.71% b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, occurring at a daily rate of £0.923, but limited to one year being £336.78 c) Costs --------------------------------------------------------------------------------------------------------------- What is not mentioned, that Lowell brought me to the courts with a Statutory Demand in 2013 and lost the case which was set aside as all the contract, documents etc from Opus were not correct and mis selling was also mentioned.