Recently received a letter from the above, refering to their clients as Capquest and originator HBOS for an amount of almost 10 thousand pounds, saying they are instructed by Capquest to commence legal proceedings if proposals arent made by the 14th of this month, to clear the debt... As i have no idea where this is from and is not showing on Noddle or Experian I am wondering If anyone can help please?

I received a county court claim against me on 07/01/2016, the debt is Capital one, the DCA is Cabot and their solicitors were Mortimer Clarke. I responded to the claim on money claim online, sent a CCA request and wrote my defense within the time limit. Today I have received a notice of discontinuance from Mortimer Clarke solicitors. The letter states that they have been instructed by their client to discontinue proceedings and close their file. Is that the end of it now or can this still be reopened in the future or the debt sold to another DCA?

Hi, I purchased some marine plywood from a merchants for my shed roof last september. It was delivered on a Friday, I put it up over the weekend. On Monday it was warped and useless. After inspection from their Area Manager and efforts to blame me for the issue, the timber merchant sent new material and finally offered a £100 refund. I had to tear down the new roof and spend another weekend and purchase additional materials to put up the second new roof in as many weeks. About a month later I finally received a refund for the full amount. Followed the next day by an email request I return the payment less the agreed refund. I have not received a letter of apology nor a verbal apology from the company nor any other communication. I felt aggrieved and so ignored their requests feeling just deserts had been served. Now I am receiving letters from Judge & Priestly threatening court proceedings if I do not make the payment plus additional £40 charge and interest accruing at 0.10p per day. What should I do, this company treated me quite badly with poor materials and poor customer service.

some time has lapsed just a recap that i sent our letters from my parents address, however this didnt stop them from continuing to send letter to their address for me, even though i didnt live there. and also sent them letters from my current address to inform them that i didnt live there. my mum moved from the address in January but from around December i noticed i was getting unusal mail....from Lowell i came home on sunday after recovering from an operation, opened up my letters today to find a letter from Lowell Solicitors. Letter of Claim dated 17.02.16 We have not heard from you regarding the shop direct account and are instructed by our client, Lowell Portfolio 1 LTd to commence legal action and issue a claim against you in the County court bulk centre, in respect of this debt. you must contact us to make arrangements to pay within the next 14 days or a claim will be issued without further notice to you. if a claim is issued you will become liable for further court feed, solicitors cost and interest which are estimated below: current balance: 1457.89 estimated interest £116.63 estimated court fees £105.00 estimated solicitors cost £80 estimated total £1759.52 the letter does go on to say failure to respond will result in ccj entered against my name and they could take further action with warrant of control, attachment of earnings, and charging order there are a few things that bother, why didn't anybody in their office notice that i was contacting them from my current address, whilst they were still bombarding my parent? i even offered £250 as full and final payment for the debt. i find it odd that they have only been sending me mail since the start fo this year (i think) why have they reved things up their client has already said on a previous ppi claim that they didn't have the relevant contract so therefore see the claim as closed. if my mind serves me correctly im sure the debt if about 7 years old now. My current situation has changed as i was made redundant in November from my career, and currently on income support of £143 every 2 weeks...Yeah!!! logged on to Noodle and i see that Shop direct have made a log against my credit for an account which they deemed in their words - unable to locate a copy of the original signed credit agreement, we will not be pursuing the the above account for the outstanding balance. then there's another log with Lowell Account start date 03/12/2008 Opening balance £ 1,058 Date of default 18/01/2012 but i believe its older as this is probably when the debt was sold to them where do i go from here? i cant bare to go to court, i also cant have this ccj against me either. do i pay them? so far i have done the following: Posted to Lowell solicitors - County Courts Pre Action Conduct - Request for Further Information posted: CCA to Lowell financial Posted CCA & Sar to Shop direct financial

I hope someone can help me, I have not used this site before, however I have been reading a fair amount of threads but have now become a bit stuck . Any good advise anyone can give me would be greatly appreciated. I received a letter dated / issue date 11 Feb 2016 from the County Court business Centre Northampton . The claimant is Cabot Financial and refers to a debt of £641.79 . All it says on the letter is an account number and it is for a Capital one account. I called and spoke to Cabot who said the debt was from 8/2/2010 and was defaulted on 6/8/2010. I did not acknowledge the debt and only asked them to send me the original credit agreement and statements . They said this would take 6-8 weeks. I then went online to see where i stand as i do not recall this debt although i had some financial problems around this time and instructed a debt management company to organise and consolidate the many creditors i had at the time. I then went on to the money claim website and made an acknowledgement of service and set out to defend all of the claim . I wrote to both Cabot and Wright Hassall requesting information under CPR18. I also wrote to the court saying what i had requested from both parties and that if i had not received the information back within 2 weeks that the claim be struck out. I have now received a letter back from Wright Hassall confirming that they will take 6-8 weeks to receive the original documentation . They say my file will remain on hold and that i will need to make a subject Data request and pay a £10 fee for copies of all information including transcripts?. My question is what do i need to do now ? I have been as quick as i can in responding to this but am worried about a default judgement being made without me having the documents i have requested. Should I send the letter i have received from them to the court ? If so what letter should I write and should it include anything inparticular . I am shocked that these people can take me to court without having the documents to hand in the first place. Can I request that the court has the case dismissed due to time wasting etc? Any help anyone can give me would be really appreciated .

years ago when my child was a toddler she was in nursery, due to severe ill health and also a botch up with my then husbands student grant we ended up in a situation where we needed to pull the toddler out of nursery for financial reasons. The nursery were a nightmare about it and insisted we paid full fees for a term afterwards plus the term we were already in. I agreed to do this in payments but they insisted they get a court order in place anyhow. Due to a massive change in circumstances and severe ill health I have been paying around £10 per month for the last nine years (!) I was originally paying to Incasso and then HL Solicitors when they took over. I made my last payment in January. By chance I looked up HL Solicitors today to find they ceased trading in December. I have moved but they had two email addresses for me and I have had no contact. There is no info on their website on who to contact if I am not a client so I am looking for advice!

Hi, After a bit of advise please. I received a letter from Lowell regarding a shop direct account saying that they have been instructed by Lowell Portfolio to commence legal action and issue a claim against me, along with a load of costs on it. I contacted Shop Direct, as I was very dubious about the balance quoted, let alone the debt. I think it is something I set up for my ex to buy a few bits and pieces. Looking at my credit file, the defaulted balance is half of the amount they claimed. I contacted Shop Direct and found out (very little, other than the last purchase was July 2010. They couldn't provide information regarding any payments made (or wouldn't, they referred me to Lowell). What should I do. If it was defaulted at have the value they are claiming, are they allowed to add whatever they want to the balance? Can I request they prove the balance etc?

This is my first post so please be gentle with me! In October 2015 my partner went to a children's play centre on an industrial estate (Boundry Industrial Estate) in Bolton where I live when she returned she told me that she parked her car on the access road as it was very busy and she could not find a parking space. Upon her return to the car there was a parking attendant who was just about to place a ticket on her windscreen, they chatted and the attendant didn't issue the ticket - we thought that this was a lucky escape until we received a parking fine letter from UKCPS. In my naivety and from previous experience I told her to ignore the letters (I now know that it was a mistake!) and because of that we have received a letter from 'The Miah Solicitors' demanding payment and threatening court if we do not contact them within 14 days. I have read a lot of previous threads to know that they are a bit dodgy and that UKCPS rarely issue court papers to reclaim the costs but I need to reassure my partner that they wont take us to court & am asking for advice on how I should reply to Miah Solicitors? I have found a letter written by someone on another forum but it was written before the Beavis ruling. All in all I'm not sure what to do next. Thanks in advance for any help The Miah Solicitors 05-02-16.pdf

Morning Caggers, A friend of mine sadly lost his sister last year, you may have read my post about transporting her body through the country previously, and it transpires that she has had a history of mental illness, which culminated in her death due to an addiction of Paracetemol. During her last few months it transpires that she has made some very odd decisions, possibly due to her mental condition, one of the strange decisions was to instruct a company of solicitors to be the only executor, strange as her mum is alive as is her brother and they have a family friend who is a senior barrister, or may even be a High Court Judge I believe. Anyway it is what it is and she did have a Will, again littered with odd decisions but it is her current Will . . . The main issue for her family is that she did own a property, 50/50 with a Housing Association etc, and there was a small amount of money in her bank. The solicitors in question are doing nothing with the probate or estate, her mum keeps looking after the house and has been paying the Rent/Mortgage, Council Tax, all the Service Bills etc . . . The funeral director is chasing for their money too . . . and yet the Solicitors do nothing with the estate . . . I'm led to believe that this is a common tactic by solicitors that sit on this for a year or two, to justify exorbitant fees which funnily enough equal what cash is yielded from the estate . . . please somebody tell me this isn't true as this would be a disgusting tactic by someone who is meant to be morally whiter than white and representing everything that this proud country stands for legally?

Hi all, I have been paying off a DMP through Stepchange for several years now, and my estimated completion date is sometime around 2040 I'm likely to be a in a position to make an F&F soon due to the generosity of a relative. Almost all of the debts have long been sold onto DCA (Link, Cabot, 1st Credit, the usual suspects). How much should I offer? Total debt is about 50k. Is 20% too high for starters? The DMP is so old that none of the debts show up on my credit file any more, so am I right in thinking it doesn't matter if they mark it satisfied or not? Thanks!

Really need some advice as to what to do first,, do I call Lowell ? How do I respond to the forms I know there is a deadline we have to meet. My boyfriend has received a claim form from a Vodafone contract he had no choice but to cancel due to the recession, he had no work and got himself in a bit of a mess which he is still in the process of sorting out. At the time he did visit the citizens advice who helped him, they advised he offer to pay Vodafone £1 per month which they declined. I have copies of most of his bills from 2005 onwards, sadly the copies he gave the CAB are missing which are the crutial ones, however I have bank statements showing his regualr payments to cover the missing vodafone bills. He had been a customer with them since 2005, they had one dispute in 2008 when his bill suddenly jumped for one month to over £200 which was rectified/reduced as it was an "error", apart from that he was a loyal Vodafone customer until 2010. He disputed the last two bills they sent him, he received one for £205 and called them to dispute it, he was told they were looking into it, he decided not to use the phone during the last month to see what would happen, he purchased a PAYG phone from Tesco, Vodafone still sent him a bill for £211 which the bank rejected as he had no funds to cover it. Prior to this all his bills were between £80-90 per month, he never followed up on the dispute he raised as in his eyes they had taken £205 the previous month which he had not incurred, plus at this point he was not in a great place in terms of his mental health due to being out of work and unable to live/survive financially. Ironically if you look at the call records of his phone he barely used it ! Vodafone wrote him two letters 4/1/11 saying he owed £326.97 then 14/2/11 stating £575.24 was owed. He heard nothing then until now when he received the claim form from Lowell saying he now owes £751.26. What should we do? I have read lots of other threads but feel this one is slightly different. Please help

Hi, I am a newbie to this forum so please excuse any ignorance! So, I was under a 2 year contract with DL where I was paying a direct debit monthly. After 21 months of being a member, I decided to cancel my direct debit as I was relocating to London for a new job role. I emailed the club to let them know in advance, and then shortly cancelled. I cancelled in Sep 15 (my contract was due to expire Dec 15). Unfortuantely, I didnt provide them with "proof of relocation" untill now - after recieving letters from ARC and consequently Major Law Solicitors, telling me I owed the final 3 months fees etc. Having spoken to the manager at DL Derby, they are having none of it. The bottom line being, I am being summoned to court to pay the outstanding amount owed, simply because I provided the 'proof of relocation' a few months late (after my contract had expired).I agree that is through no fault than my own, as they had told me they required this letter. Will Major Law Solicitors continue to take me to court over this matter? I have proof of relocation and against the date I cancelled. I also emailed the club to let them know. So is this fair?

Hi, I am looking for some advice on how to proceed with a claimform I have tried my best to complete the CAG template (below). Name of the Claimant ? Cabot Financial (UK) Limited Date of issue – . 13 Jan 2016 What is the claim for – 1. By an agreement between Capital One & the Defendant on or around 13/07/2004 (the Agreement) Capital One agreed to issue the Defendant with a credit card. 2.The Defendant failed to make the minimum payments due & the Agreement was assigned to the Claimant. THE CLAIMANT THEREFORE CLAIMS 6000.00 What is the value of the claim? £6,000 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? Before (2004) Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. (Cabot). Were you aware the account had been assigned – did you receive a Notice of Assignment? No Did you receive a Default Notice from the original creditor? Yes, September 2010, giving me 28 days to clear arrears, I wrote back saying I couldn’t and sent I&E etc. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No, not to my knowledge. I tend to keep all financial documents sent to me and I can’t find anything from either Cap One (other than above) or any DCA. I’ve had a couple of cards with “Confirmed resident” stamped on them in 2012 and 2013. A few months ago, Experian showed the default dates as October 2010. Why did you cease payments? Feb2011 What was the date of your last payment? February 2011 Was there a dispute with the original creditor that remains unresolved? Yes, PPI claim of £1300 from 2004 to 2006. I got nowhere with Cap One, so went to the Ombudsman (FOS) in 2011. In July 2014, they rejected my claim and I registered with the FOS that I disputed their findings as I didn’t feel that they had fully addressed the points raised in my complaint. As their findings were final I have not done anything with it since. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? I Wrote to Cap One in October 2010 into early 2011 chasing a response. They eventually wrote back saying that it had been passed to Friedrickson DCA and they were no longer dealing with it. I also wrote to Cap One about the PPI and they rejected it, hence the reason for going to the FOS. I wrote back to Friedrickson telling them I was disputing the amount with the FOS and have heard nothing from them since. Based on previous answers and advice on the forum, I will send the CCA request to Cabot tomorrow, presumably, I'll also need to send the CPR 31.14 request to Mortimer Clarke for further information as well. As far as the County Court forms are concerned, do I just complete the Acknowledgement of service form and leave the everything else blank? Do I tick 1. Intend to defend all of this claim as, depending on what comes back from Cabot/Mortimer Clarke, I don't know whether I have a defence or not? No doubt, I will have more questions further down the line, but I want to get the County Court form completed as soon as possible (certainly well before their deadline of 1 Feb?). I've never been in a court in my life, so this situation is somewhat worrying to say the least. Thank you.

This has just happened to me! Diid you pay DWF? im terrified. the police believed me that it was a genuine mistake so why am I receiving these scary letters from DWf. I didnt even leave the shop but CAB have told me I should pay the £150-seems ridiculous for a letter saying 'amount of goods taken- £0, amount of damage - £0 and security costs £150 Please help me I am not sleeping and do not want to go to court! After a self-scanning mistake (£3 vegetables unpaid on a £20 shop) the police were called and believed me that it was a mistake. There was no mention of RLP to pay but now sainsburys have banned me from their stores for life (a joke!?) and DWF are sending me letters asking for £150 or they will take me to court. I am terrified and not sleeping. The letter seems ridiculous as I didnt even leave the shop with any 'stolen' goods- the security stopped me before the exit doors. The police also didnt fine me or caution me, just wrote me a stop and search note. Can DWF claim this money? I cannot have a criminal record and do not want to go to court for a self-scanning error. I will never use the self-scanning tills again and feel badly treated by sainsburys. DWF are real solicitors so can they legally ask for these costs? Surely sainsburys didnt lose any money on my behalf or have to pay the security guards extra to rudely interrogate me. Also surely the supermarket has no right to retain my details or pass them on? Please help put my mind at rest. thanks

Hi.. Good afternoon everyone, I really hope someone is able to help me. This morning I've received a County Court claim. The perusing claimant is Mortimer Clarke Solicitors acting on behalf of Cabot Financial. The debt of £413 is from a Capital One card from 2004 (£213 of this is interest charges). The last payment I believe I made to (Aktiv Kapital) was back in December 2009, although I can't confirm this as I have a different bank account now, and I've made no contact or acknowledgement since. I checked my credit file in late December (screen shot attached) and seen they (Cabot) had registered 2 recent payment defaults against me. Just checked my file again today and it's disappeared, no trace of it. However it did show the default payment date recorded on the account was 29/01/2010. so would this make it statute barred ? Do I still have time to send off a CCA request to Cabot in the hope of delaying this, or have I left it too late ? Should I complete the section of the court claim document to Dispute the Claim as it maybe Statute Barred ? Please help, not quite sure what my next course of action should be. Kind Regards L

Hi all, Firstly, apologies for starting a new thread. I have read all the sticky threads and as much as I can on other websites/forums, but I'm still not clear on the best course of action. Any advice would be massively appreciated. I rent a flat, which has an allocated parking space. Unfortunately, I was not provided with a parking permit badge by the letting agent or landlord when I moved in. There are UKCPS signs in the car park, but as I was a tenant and had an allocated parking space, did not really pay them any attention. UKCPS have since issued three charges (charges on the windscreen and NTKs all received). These were issued in August and September 2015. I wrote in response explaining that I was a tenant (and providing a copy of a utility bill and lease agreement), but there response was simply to state that any time for appeals had elapsed and the charges stood. I did not bother with an IAS appeal, based on the comments on forums such as this. I am now at the stage where I am receiving letters from Miah Solicitors stating that unless payment is made "...we will take our Client's instructions regarding how they wish to proceed which may include considering issuing legal proceedings." The main questions I have are: 1) How likely is it that this will proceed to court? 2) What action should I take now? I have asked the Property Management Company to clarify their arrangements with UKCPS and asked them to request the charges be cancelled, but they have not been especially helpful so far. I have read my tenancy agreement and unfortunately it does not specifically refer to the parking space (but it is numbered, i.e. specifically allocated to the flat. Sorry for the long post and many thanks for any help!

Hi all I've received a rather threatening letter from Restons Solicitors, I'm hoping you can assist me with my problem. Resotns solicitors been instructed by their Client Hillesden securities limited. I have received an n30 Judgement for claimant Resotns solicitors been. I believe it relates to a car finance agreement I had with Black Horse back in 2000 the Car price was £12000 to be paid over a period of 48 month. After few month later in year 2000 due to financial problem I wasn’t able to keep my payment of the monthly instalment to Black Horse. Black Horse decided to take back the vehicle and sell it at an auction for £5000. Black Horse put a default on my credit file (I do not know if that CCJ or not) but I wasn’t able to take any credit for six years and they started to charge me £20.00 a month until year 2010. Black Horse sold the debt to Hillesden securities limited with some advice from the Citizen advice centre I start paying them £1.00 a month as a token payment. In year 2012 for unknown reason I stopped the standing order by mistake. I didn’t receive any correspondents from Hillesden securities limited from year 2012 until November 2015 I received the court letter from there form Restons solicitors. They are demanding £1540 I wrote back to them asking to make a token payment of £1.00 but they didn’t reply back to me and when I phoned them they denied my offer letter. I received N1SDT from the court and they asked me to pay the £1725 court fee included. I offered the court £1.00 every month for six month until my financial status improved but they refused the offer and now I have N30 from the court asking me to pay instalment of £226 a month which I will not be able to afford. I do not know what action to take as I don’t own a property; I am currently in a renting accommodation and already have family financial problems. Do I consider this as a statute barred? I need your help guys.

Hi, First time that I've ever posted so bear with me. I have recently received a letter of claim from Lowell Solicitors stating the following. "We have not heard from you regarding your Shop Direct account and are instructed by our client, Lowell Portfolio I Ltd, to commence Legal Action and issue a Claim against you in the County Court Bulk Centre (CCBC) in respect of this debt. You must contact us or make arrangements to pay within the next 14 days or a Claim will be issued without further notice to you. If a claim is issued you will become for futher Court Fees, Solicitor's costs and interest which are estimated below: Current Balance £3171.33 Estimated Interest £253.71 Estimated Court Fee £185.00 Estimated Solicitor Costs £80.00 Estimated Total £3690.04" Then goes on to say about failure to respond may result in a CCJ.Any advice on what should i do? Thanks

I have a terraced house with a lease that is 999 years old in July this year I received a ground rent demand with additional admin charges totalling £198 I panicked and wasn't sure what to do I thought the extra admin charge was ludicrous and wrote back to them but receive no reply since then I have received additional ground rent demands and on 9 December received a letter from a firm of solicitors Landau and cohen demanding an extra £180 (£150 plus Vat) the ground rent demand is for the period 1/4/11-1/4/2015 which is £6 with fees added on top the bill now stands at £384 the letter is threatening possession of the property I am trying to get a copy of the lease from my solicitor or the land registry company Any help or advice is greatly appreciated

Hi all I got in a lot of debt trouble 5 years ago. I managed to negotiate full an final settlements with all but one - MBNA. I've moved 4 times since then and they never caught up with me. Out of the blue I received a letter from Restons Solicitors acting on behalf of Arrow Global, who apparently own the debt now. The amount is £7,984.39 I am about to send a SAR and a CCA to Arrow Global. What should I do otherwise? Also what sort of F&FS would they offer me now - part of me just wants to get this off my back but obviously if I can string it out or fight it I want to. Thanks Ben

Hello you wonderful wonderful people Let me cut straight to the chase I parked in a private land which i have done a number of times while going to the bank in town. I did not see any visible signs with terms and condition only a worn out red paint on the wall with the words private parking. I comeback half an hour later and lo and behold i have parking notice slapped on the windscreen of my car. As advised by friends and people on forums I chose to ignore it. Got a few letters and chose to ignore them as well. Then as usual with these private companies i got my case passed onto a 'debt recovery team' Miah solicitors in this case. The letter is pretty much as a copy and paste of all the other letters from miah solicitors people have posted on the forums. £100 owed to UKCPS, £25 admin, and £150 for legal costs to these culprits. Same idle threat stating 'this letter before action is being sent to you in accordance with the Practice Direction on Pre-Action Conduct contained in the Civil Procedure Rules. In particular, we refer you to paragraph 4 of the said pratice direction concerning Court's powers to impose sanctions for failing to comply with its provisions. Take note, that if we do not recieve any payment or contact you from within 14 days of the date of this letter, we will take our clients instructions regarding how they wish to proceed which may include considering issuing 'legal procedings' Here is my response letter gathered from information off the forums and watching a youtube channel called DerpJD To whom it may concern I am writing to you in response to the letter received regarding an alleged private parking ticket by your affiliate UKCPS. May I first of make you aware that I am well educated in the matter of private land tickets and the legalities. Before your idle threats can even be taken seriously you will need to provide me with the following; 1) Proof that Mr XXXXX XXXXXX was the driver at the alleged time. 2) Receipts of the legal charges that have been added by you of £150 with VAT. 3) A bill. The following are not bills, a parking charge notification, a statement, a charge certificate, not a notice, not an invoice. 3) Proof of a contractual agreement between me and your client. Under all commercial and civil laws, in order for man/women to take a complaint to a court or to a magistrate to make a claim for a court hearing tribunal/trial then there must be a documented contract with full disclosure by both parties with terms and conditions, signed with wetted ink (not a PDF signature) with human names and the date of signature. As you are well aware of no contract existed. 4) As advised by a solicitor in a free consultation, your letter has no reverse liability so it is better off throwing in the bin. For your letter to have reverse liability you will need a wetted signature with a human name printed. You know this will leave you opened to be counter sued so you have opted not to do so. S o your letters will remain meaningless and empty as long as you continue this practice. 5) If you have gotten that far then I will also need evidence of damage/loss of property during the parking of this vehicle at the alleged duration by the LAND OWNER to justify the fraudulent parking ticket. I will also like to state this is not an appeal this is a rebuttal. Any private parking companies that try to apply levy onto people in this exemplary matter is null-in-void. The only way you can get any squeaky leverage to go to a court or to get legal action in any way is to ascertain/obtain an appeal in response to the INVOICE. This invoice by UKCPS will never be paid no matter how much you escalate the price until all these lawful conditions are met. Have a nice day Regards (i put my own copy and paste signature from google images just like they do) Il be waiting for your wisdom Slick

Hello all. I have debts that are approaching 6 years old (next March - 2016), from credit cards. I defaulted during the crash as I was made redundant and career effectively ended. I went into default immediately after a period of hassling from creditors I moved house a couple of times (to chase work) and the hassling died down to a trickle. Now suddenly I have a letter threatening CCJ if I don't pay the full amount (near 10k) in two weeks. It looks serious to me too; I've not had a letter like this before. What can I do? I've put a little money aside (around £3k) which I could try to use to keep them off my back, but that would then acknowledge the debt and I'm so close to the 6 year statute bar. And would this satisfy them or just give them the taste of blood? If I send a CCA letter will this put the CCJ action on hold? Any help gratefully accepted. chris

Hello All, I'm not sure where to ask this question so move it if it's in the wrong place. I have a defaulted account with Capital One (last payment 1/10/10) it has now been bough by Cabot and the have re defaulted it from 1/11/15. Is the correct and ok to do? I know Cabot are diddley so want to be sure? Surely if it was already default, they can't re default it?? Thank you for your help

I received a windscreen invoice from UKCPS after being parked illegal in a private car park. The background to the case was that my elderly mother who is diabetic was having a hypoglycaemic attack. It was medical emergency. My mother is a Blue Badge holder but there was not time to display the badge. I completely ignored UKCPS demands for payment after reading advice on forums. I have now received the attached letter from Miah Solicitors. They have sent me Practice Direct on Pre-Action Conduct. What would action would you all advise me to take? Should I now just pay it or continue to ignore it. Are they likely to take to court and would they like win they did so. I'm unable to provide evidence to support my case. Many thanks.

Hi, I'm not sure if anyone has any advice on this: I took a Welcome loan in 2008, which was refinanced. I then defaulted and did not hear anything for a few years. I did not follow up as heard they had gone into administration. Last summer I received a County Court Summons via Cabot/Mortimer Solicitors. I sent one of the CPR request letters, from this site and needless to say, they missed the deadline. This morning, I received a letter from the fore-mentioned Mortimer Solicitors, who have included all the info I requested in the CPR letter. They have stated that their client is happy to settle out of court and have offered a 50% reduction to settle. The question is: 1. is there anything further I can do? 2. Can they issue another County Court Summons, when first one timed out? Many Thanks talkback