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About Zebedee

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  1. Thank you for the replies - a bit embarrassing but i have more information from her now and it is for something else. She was taken to court over this debt but says she never got any paperwork (and didnt tell me about it) so there isnt much else we can do at this stage but fill in this form. Thanks once again.
  2. Today my other half received a rather strange letter titled Notice of Transfer Of Proceedings from Cabot Financial UK Ltd that states this claim has been transferred to the county court at _____________ for enforcement. This was done apparently because she did not reply to N56 (form for replying to attachment of earnings application) within the specified time. She did not receive this form. The receiving court will arrange for the bailiff to serve N61(order for statement of means) The only CCJ she had was over 10 years ago and is now definitely statute barred. Is
  3. All I can find on my credit file is the last 4 digits of the card number, I don't have any old statements or letters that I can find. I'll have to either call them (Cabot) or just use those as in "Card ending in 6666"
  4. Im writing the CCA request but I dont have an account or reference number , can I use the number from the claim form?
  5. I need a little help with this claim form please: Name of Claimant : Cabot Financial Ltd Date Of Issue : 5th April 2018 What is the claim for : By an agreement between SAV credit Re Aqua & the Defendant on or around 11/04/2016 (The Agreement) SAV Credit Re Aqua agreed to issue the defendant with a credit card. The Defendant failed to make the minimum payments due & the Agreement was terminated. The Agreement was assigned to the Claimant. THE CLAIMANT THEREFORE CLAIMS 1300 2.Costs I have not received prior notice of a claim to be issued. Value of the claim i
  6. This turns out that it is related to the original thread posted back in 2011. At that time a restriction was placed on our home which has subsequently been paid. I dont know what Mortimer Clarke are playing at but they can play their game. Its been paid and I have the proof.
  7. To be honest it is a little confusing, I'm not going to do anything until they get back in touch and tell us exactly what they are after. Also, I'll check with the Land registry to see what is there. Nothing received back from them to date, so I'll wait and see.
  8. Letter says: " We have been instructed to apply for a charging order against you should you fail to make satisfactory payment proposals. If an acceptable payment is not made within 7 days from the date of this letter, an application will be made to the County Court to change the name of the claimant in the proceedings to our client. Once this has been granted an application for a charging order will then be made in order to secure the judgement debt against your property and if awarded, may affect your ability to re-mortgage or sell your property without first satidfying th
  9. Hi all My missus took out a loan with Welcome Finance back in 2002, we got into bother back then and it became statute barred years ago. She received a letter today dated 9-9-2016 saying if she doesn't make a proposal to pay off this debt they will apply to the courts to have the claimant name changed to ME II (whoever they are) and then go for a charging order on our home. I vaguely remember Welcome Finance collapsed and were run by the FSA (?) A lot of the original loan was made up of fake insurances, payment protection and all sorts of add-ons that we raised with the FS
  10. Have signed up to Noddle a couple of months ago noticed some items on my report I didn't agree with, queried them with Noddle and got nowhere, queried with MMF and they have been removed from my file. They were defaults. There is also another default on there which I'm in the process of querying and am hopeful this will soon be removed too. I do have one major concern though. A CCJ was registered against me last 28th October 2014, for £1510 I *think* this was from Cabot around an old car loan debt that I was, at that time, querying with the original
  11. Yesterday I received a claim form from Cabot regarding a disputed account I had with British Credit Trust. It was regarding an alleged outstanding amount of just over £1300 which I believe is made up of mostly late payment fees and charges. I have previously asked BCT of a complete breakdown of charges added, what they were for and dates when they were charged but had no response. I don’t recall receiving a letter of assignment or anything at all from Cabot regarding this account, until I received the claim form yesterday. I do intend to defend. Details on the form
  12. I've asked in the letter for the breakdown of LO's. I'm waiting for a call from their own benefits advisors to establish entitlement to benefit and help in claiming. I have also emailed copies of my letter to the chief executive and director of finances so hopefully will hear something soon. My bottom line is I accept full responsibility for this mess - I should have sorted things out sooner but I didn't. I absolutely cannot afford to pay this off in one lump sum because I simply do not have it and can't get it, and can only afford small extra payments on top of the council tax for this y
  13. Previous issues had been resolved - this is new and appreciate a new thread. I have written to the council and cc'd to the chief executive and director of finances. I've writted to the Enforcement Agents explaining my circumstances and my daughter's car has gone back to her, she lives a few miles away so should be OK. I'll wait and see what comes back but am also waiting for a call from the councils benefits advisor. We are on a low income (I'm on JSA, my wife works part-time and my son has zero income)
  14. I originally posted this as a new thread but it was merged with a thread I started in 2011 - If I have done something wrong please let me know but I'd like this to be a new thread - thanks In deep trouble with a council tax debt of £5784.84 I know this should have been sorted years ago, but it hasn't and I admit its all my fault but do need advice please. Today, a bailiff from Rossendales knocked on the door but did not gain access at all. I asked for his badge and he showed me a badge from Rossendales saying he works for them - not his badge of certification f
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