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About slimceagirl

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  1. Thanks! I've had several successes in the past 4 years or so which stemmed from a financially difficult part of my life around 2011/13. I was financially trapped with Quick Quid, in a cycle of increased borrowing, during this I'd opened three catalogue accounts: Studio, JD Williams and Simply Be , 2 credit cards (Aqua and Barclays) and was juggling finances. In that time I had got 2 CCJs plus 2 defaults so things were pretty tight. I was using most of my available credit until things eventually became unsustainable. When I moved hous
  2. I recently got an irresponsible lending case partially upheld by the FOS against a catalogue. The final decision is that they must repay interest, fees, delivery costs etc from a certain date. The debt had originally been sold to Cabot who I was repaying until, on advice from here, CCA'd them. They cancelled my repayments as the debt was unenforceable. They continued to send occasional requests for payment which I ignored. Fast forward to my upheld case: they have asked the catalogue firm to repurchase the debt of nearly £600 outstanding. Cabot
  3. Unfortunately, she had avoided opening the letter. She has mental health problems and terrible money issues. I thought I'd help her out within time but it would appear it missed the deadline somehow. The date was 27th October.
  4. She posted the form to Lowell in Leeds as advised on the form. She was told not to send it to the court. I bought online, signed for postage. The letter was delivered and signed for in Northampton. She didn't use MCOL because it said if you needed time to pay you needed to fill in the form.
  5. Hello, my daughter had a County Court claim against her through Lowell. She completed the form in good time and I posted it, purchasing a signed for label. She received a letter back from them today saying she hadn't responded in time. When I checked the signature it was two days late. The letter says 'if you do not respond to the County Court Claim within time or contact us to resolve this matter by 25/11 we will ask the Court to enter a CCJ against you' Their form was delivered/signed for on the 16th. It was posted on the 9th first cla
  6. Should I end it with my original name as that is who it is addressed to?
  7. Out of the blue today I received a letter from Arrow 'in relation to your SHOP DIRECT (CARVAL) account' . No idea who these are and the surname they use for me is my former married name which I changed in 2011. I've read that it could be an old catalogue debt, which if so would have been from over 12 years ago. I split from my ex husband in 2008 and didn't open an account after that in my old name. I've never acknowledged a debt to them and given that it is over 6 years old could it now be statute barred?
  8. I CCA'd these last year and Mortimer Clarke said they couldn't produce the original agreement they cancelled my direct debit and said they would not be pursuing me until they could. Now Cabot are chasing me. Several phone calls, voicemails a day and at least one letter a week. They have now sent me a letter saying they would be sending an agent to the house. I get that they are upping the anti because the debt becomes statute barred next August. What do I say to them if they call to the house?
  9. I had a letter addressed to my old name from Search Squad today. Pretty sure it's from my old account, too much of a coincidence. I'll just ignore it and see what happens with my payout as directed by the fos.
  10. Thankyou. Does this apply to other financial awards too, not just PPI?
  11. Not sure which section to post this in: A few years ago I had a credit card. It defaulted in 2006 and eventually became statute barred before I moved house following my divorce some years later. I'd reverted back to my maiden name later and got another card . Recently I had a case of irresponsible lending upheld against them and am now awaiting a pay out. The 2nd balance was already cleared. Since the cards are with the same lender can they take my pay out and off set the outstanding balance on the first card even though it is
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