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  1. Hi All, I was living in Dubai for 8 years lost my job didn't get paid by them etc.. so i had to leave as i couldn't find another job. That was a year ago, since then i have received a couple of letters form IDR about my outstanding debts out there , 4 different banks totalling around 250 AED. I've replied to them by email explaining that i am unemployed on universal credit, no assets at all etc. I didn't tell them i am just starting a small buisness online. There reply was we will give you 30 days before they start with their collections. Any advice from anybody please
  2. Hello all Caggers. I have not posted on here for a while, but tend to look around from time to time. As most of you will already know there is currently a payout going on with the mess with switching claimants from incapacity benefit to ESA. We filled in the long winded form and sent it back to DWP in December. Around a week ago, we received the B16 form to fill in and send back. When did the DWP start counting their partners earnings and adding ESA to the combined income of the household? I seem to remember in the not to distant past, my partner who was on Invalidi
  3. Name of the Claimant ? Lowell Portfolio I Ltd Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 29/01/2019 Particulars of Claim What is the claim for – the reason they have issued the claim? 1) The Defendant opened a Bank of Scotland ( Credit Card) regulated consumer credit account under reference xxxxxxxxxx on 08/06/2009 ('the Agreement') 2) In breach of the Agreement, the Defendant failed to maintain the required payments and the Agreement was terminated. 3) The Agreement was later assigned to th
  4. Hi all My wife recently received a County Court Claim Form which we have decided to dispute in full. I've completed the details below. I would be really grateful for your help with next steps. From reading other threads it seems my next move should be to send a CCA request to the Claimant and a CPR 31:14 request to the legals reps. Is this correct? Thanks --- Name of the Claimant: Cabot Financial (UK) Limited Date of issue: 09 Jan 2019 - Defence form submitted online on 24 Jan 2019 What is the claim for: By an agreement between JD Williams Ltd Re Fashio
  5. hello everyone. just started this thread for a colleague, who needs some advice and is not very good with computers. history of debt Barclaycard credit card 01/2008 debt management 08/2009 arranged with Barclays a reduced payment plan which was accepted while on the debt management plan. PRA GROUP was assigned the debt from Barclaycard 08/2015 Last payment made 02/2018 Name of the Claimant ? PRA Group Date of issue 17/01/2019 What is the claim for – 1.The claimant claims the sum of £1834.29 for an outstanding debt
  6. Name of the Claimant ? Southern Water Services Date of issue – 12th December 2018 Particulars of Claim 1.The Claimant is a statutory water and sewerage undertaker to the Water Industry Act 1991 (the Act) 2.The Claimant claims the sum of £4559.62 for unpaid water and/or sewerage charges payable under s.142-144 of the Act and the Claimants’ Charges Scheme. 3.The unpaid sum of £4559.62 is for water and/or sewerage services provided to the Defendant(s) at XX XXXXX XXXXX (my address is here) for the period 11/07/2007 to 09/07/2018 4.The claimant claims interest under s
  7. Name of the Claimant Lowell Portfolio 1 Ltd Date of issue – 07/01/2019 date to acknowledge 25/01/2019 date to submit defence – 08/02/2019 Particulars of Claim 1.The claim is for the sum of £310, due by the defendant under an agreement regulated by the consumer credit act 1974, for a SD account. An account with reference of …… 2.The defendant failed to maintain contractual payments required by the agreement and a default notice was served under s.87(1)under the consumer credit act 1974. Which has not been complied with. 3.The debt was legally
  8. name the issuing court: Kirkcaldy Who Is The Claimant: Cabot Financial (UK) Limited, Marlin House, 16-22 Grafton Road, Worthing, West Sussex, BN11 1QP Who Are the Solicitors: Simon Nolan (Nolan’s Solicitors) What type of action? : Simple What is the claim for – 1. on 21/09/2015 the Respondent entered a credit card agreement with NEW DAY LTD under which the respondent borrowed from them a sum of money repayable on demand. The said agreement was an agreement regulated under the consumer credit act 1974.. 2.The Respondent failed to pay as agreed o
  9. Today I received a white county courtclaim form from northampton for the MBNA Credit card 2008 – now with PRA GROUP - £2723 – defaulted 2012. On 12th Nov PRA Group wrote to me in response to my returned PAP form where I stated I dispute the debt because I need more documents or information Specifically I wrote: I need a copy of (1) the Default Notice, (2) the Notice of Assignment, (3) a complete set of statements detailing exactly how the debt has accrued detailing: (a) All Transactions, (b) Any additional charges, be them by the original creditor or you PRA
  10. Hi, I received another claim form on Friday from Moriarty Law for a debt related to a Spark Energy account. I'll post the full details tomorrow as I forgot to bring the claim form with me to work today. I have no recollection of ever being with Spark Energy, and the amount Moriarty are claiming is about £300. Coincidentally, on Saturday I also received a letter from Moriarty Law informing me that I will receive court papers shortly, and that they would like to still resolve this amicably. Firstly, I will complete the AOS online tomorrow defending all - I j
  11. Hello, I have received a Claim Form issued 07 Dec 2018 that I need to respond to. I have no previous communication regarding the PCN, the issue date of the PCN was 26/09/2016. Claimant: Excel Parking Service Limited BW Legal Particulars of claim: "The Claimant's Claim is for the sum of £100.00 being monies due from the Defendant to the Claimant in respect of a Parking Charge Notice (PCN) issued on 26/09/2016 (Issue Date) at 18:42:53 at Cavendish Retail Park Keighley. The PCN relate to .... under registration ... The terms of the PCN allowed the Defendant 28 days from the
  12. Since our recent upgrade last month we are still having lots of problems with our mobile view. It will be very helpful if people could keep us updated here as to the problems that they are having. Thanks
  13. Hi peeps Lowell have finally sent a claim form for my wife's Vanquis card. Name of the Claimant ? LOWELL PORTOLIO I LTD Date of issue – 03 DEC 2018 Date to acknowledge) = 21 DEC 2018 DAte to submit defence = 4 JAN 2018 [=1 day for emas eve I think only -dx] What is the claim for – . 1. The defendant entered into a consumer credit Act 1974 regulated agreement with Vanquis under account reference 4023************ ('the Agreement'). 2. The Defendant failed to maintain the required payments and arrears began to accrue. 3. The Agreement was later a
  14. Name of the Claimant ? Jc international acquisitions Date of issue – 28th November 2018 What is the claim for – the reason they have issued the claim? 1.The claimants claim is for the balance due under an agreement with talk talk limited dated 11/12/2012 Which was assigned to the claimant on 31/03/2015 and notice of which was given to the defendant on the 31/03/2015 and which is now all due and payable. 2.The defendant agreed to pay monthly instalments under account number xxxxxx but has failed to do so. 3.And the claimant claims the sum of £135.30. The claimant al
  15. Name of the Claimant Hoist Finance UK Holdings 2 LI Date of issue 30 NOV 2018 Particulars of Claim 1.This claim is for the sum of £1678.00 in respect of monies owing pursuant to an overdraft facility under bank account no XXXXXX The debt was legally assigned by Hoist Portfolio Holding 2 Ltd (EX SANTANDER UK PLC) to the Claimant and notice has been served. 2.The Defendant has failed to repay overdrawn sums owing under the terms and conditions of the bank account. 3.The Claimant claims 1. The sum of £1678.00 2. Costs Have you received prior notice of a claim
  16. I graduated back in 2002. I know after that, the Student Loans Company sent me deferment forms which were filled in and accepted. Erudio took these over years ago and I have never received any deferment forms from them, or any way of doing so. I've made no payments or, as far as I'm aware, acknowledged anything with them. The other day, 3 brown envelopes arrived from Northampton. Opened one and it was a County Court business centre claim form for £2400ish against me from Erudio / Drydens. (Letters from Drymens telling me that I would receive court papers arrived a few days later).
  17. Name of the Claimant ? Cabot Financial (UK) Limited Date of issue –. 30 October 2018 Particulars of Claim What is the claim for – 1.By an agreement between HSBC Bank PLC & the Defendant on or around 15/09/2014 ("the Agreement") HSBC Bank PLC agreed to loan the Defendant monies. 2.The Defendant did not pay the instalments as they fell due & the Agreement was terminated. 3.The Agreement was assigned to the Claimant. .THE CLAIMANT THEREFORE CLAIMS 1. 7042.65 2. Costs Have you rec
  18. Hello, Please can you help? Since July 2018 I have Marstons chasing a debt for Severn Trent which I was unaware of until they sent me a hand delivered letter, informing me they had a high court writ. I promptly filed a N224 form to Apply to stay the writ and Set Aside the judgment. However, I misread the instructions prior to the hearing and took my defence statement to the September hearing and presented it to the judge, the application was dismissed as I had not filed the defence statement prior to the hearing. The following day I applied again for a Apply to stay t
  19. I hope for your help on how I should apply the Central London County Court to Enforce an Financial Ombudsman Final Decision using form N322A? I am a Danish pensioner, living in Denmark, on 28 March 2018 the Financial Ombudsman Service (FOS) made a Final Decision in my favor regarding my complaint against Abshire-Smith Global Ltd., 26 York Street, London W1Y 6PZ, which I accepted. However, the business has unfortunately not complied, i.e. paid me the required amount (GBP 84.833, incl. 8% interest and a GBP 750 compensation awarded by the FOS) within 28 days of me accepting the FOS Fi
  20. After reading a lot of threads i want to defend this. I've already done the following. pop up on the MCOL website detailed on the claim form. . register as an individual note the long gateway number given then log in . select respond to a claim and select the start AOS box. . then using the details required from the claimform . defend all leave jurisdiction unticked. click thru to the end confirm and exit MCOL. . get a CPR 3114 request running to the solicitors type your name ONLY no need to sign anything. (will be posted to them on monday) Ot
  21. I received a court claim form on the 7/11/18 (issue date 5/11/18) for unpaid water charges amount totaling £5,095 for the period 1/4/2007 to 31/3/2019 I have lived at the property for longer but never actually paid anything for water rates, due to being unemployed and not being to afford it. have been i receipt of yearly water bills and various uk search limited letters for amount owing. recently shulmans got involved and sent a few letters before court action. all of which i have ignored due to large debt amount. I have rung up northampton county court to verify if the cla
  22. Hi, I have received an n24 form “general form of judgment or order”. It states that point 1, it is ordered that judgment for the sum of £1450 and interest to date of £92.08 plus various fixed costs and hearing fee. Total £1964.50. Point 2 states that the court have assessed additional costs claimed .....”and such costs we summarily assessed at £700.00”. Point 3. Above sums to be paid by 4pm on 16/11\18 Dated 26th October Hoping someone can help me understand this. I did try to settle out of court, but the claimaint was seeking an additional £700 (which would have mean
  23. On 9.12.17 I parked on Lidl in Newcastle Under Lyme and left the car park for half an hour to find out what we needed for a community event and went back to do the shopping for it. Before I had opened the boot to get the shopping bags out the car park guy appeared, ended up getting really aggressive and slapped a ticket on my windscreen. I wrote to them on 13th December No reply but threatening letter in Feb which I responded to saying that I had written to them in December. The letter complained about the persons intimidating behaviour and offered to pay them £20, as that was all I
  24. Hi, I'm looking for some advice on a PCN that was issued last year 07/09/2017 for parking at Croydon Poplar Walk car park. I did park there on the 7th September, and didn't make the payment as I think my phone had issues (or I forgot) and called up the number the next day when I remembered on the PaybyPhone site/board to ask how I can pay for the previous day as when I checked the website I couldn't find any other contact number. The operator told me she couldn't help me as there was no mechanism to make a back dated payment. I've parked in the same car park multiple times and
  25. Hi all Hope everyone is well. Had this back recently - after months on inactivity on all accounts. For a Lloyd’s credit card This is the one and only sheet sent back from Idem. Looks like an application form to me ? Any help much appreciated. Thanks for looking and Bon weekend ! Here is correct picture Lloyd’s scan 2.pdf
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