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  1. Hi, I have today received a Claim Form from BW legal. The Particulars of Claim read as follows: 1.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 01/04/2016 (Issue Date) at 13:38:43 at Smyth Street - Wakefield Anpr Vcs Scheme Std (60-100). 2.The PCN relates to xxx under registration xxx. The terms of the PCN allowed the Defendant 28 days from the Issue Date to pay the PCN, but the defendant failed to do so. Despite demand being made the Defendant has failed to settle
  2. Hi, I have received a claim form from northampton bulk centre with asset collections as the claimant. The original loan was from lending stream who sold it to asset, I dont mind paying it but the amount has grown somewhat from the last dca who chased it and i cant afford to pay that much back. I have responded to the claim at moneyclaim. help needed please
  3. Hello I was on a training course provided by a training provider on behalf of dwp while on course i did not sign their data consent form as, I did not agree to what was on it I only put the date on it. I received contact from the company by phone and email also text message so i emailed them telling them to stop contacting me No reply. i decided to contact them via an ico letter asking why they contacted and they provided me a copy of the form and said as ,I signed it they could contact me. on looking at the form my signature has been forged and also my name has been writte
  4. Hi all, new to CAG but hoping you can help! My husband has received a claim for for a PCN over a year ago which I feel is unfair and would strongly like to contest on the basis that none of the parking machines were working on the night he parked there. I have just completed the Acknowledgement of Service online amd intend to request info under CPR 31:14 but I would really appreciate any help you can offer, particularly with respect to what I should specifically request. Thanks in advance!
  5. Hello I wonder if someone could offer me some advice. I received a letter from lowel Solicitors headed: Notice of Acting. They asking me to pay an old Orange debt. 1- Should I ignore the letter? I haven't speak to them so far and always ignore them. 2- If there was no payment at all which date SB will be calculated from? 3- If the contract made in Scotland, SB referred to Scotland or the place you are living now? Thanks in advance
  6. Hello I think I've royally messed up with something and am looking for some advice please. Tonight I was having a tidy and have come across a claim form which I hadn't noticed or even opened. The issue date is the 28th June. I've gone onto MCOL and tried to request 28 days as opposed to the 14 but I suspect the clock struck at 16:00 this afternoon. I'm just looking for words of wisdom on how to proceed please. I know I've been stupid and didn't even see it mixed in with a load of rubbish that usual rubbish and takeaway menus that graces my letterbox. I've inclu
  7. Hi long time reader, first time poster. I requested a CCA from Lowells in October of last year relating to a Llyods/TSB credit card debt. The card in question was taken out in April 2004 and fell into default in late 2012. 4 months later they have sent me what appears to be a copy pasted set of terms and conditions and a copy of the last years worth payments to the account. The terms and conditions have an error in the address I was living at when the card was taken out, they've used the postcode for an address I was living at 10 years later, otherwise it's correct.
  8. Hello all. Claimant:District Enforcement Limited Solicitors :Gladstones Solicitors received Date of issue – 18 JUL 2018 Date to submit defence = 17th August 2018 What is the claim for – the reason they have issued the claim? 1.The driver of the vehicle registration (The Vehicle) incurred the parking charge(s) on 11/03/2018 for breaching the terms of parking on the land at Lord Mayors Drive. 2.The Defendant was driving the Vehicle and/or is the Keeper of the Vehicle. AND THE CLAIMANTS CLAIMS £130 for Parking Charges/Damages and indemnity
  9. Hello, I hope someone can help please. I have just checked my credit score which is 736 (fair). It states: Halifax balance £0 updated 11/8/13 Cabot balance £1280 updated 1/4/18 There are no other debts there. Am I to assume that they have dropped off? Cabot took over the Halifax debt, but both are listed as a default. If i were to offer Halifax an offer, in full and final settlement, agreed in writing, would that remove the default? If so, how long would it take? Many thanks
  10. Hi I have received a county court claim form from Lowells for an old catalogue debt of £186 and I dont know the first thing to do , can anyone help me please? I cant even remember having the catalogue they say its from December 2011
  11. Good afternoon, or is it? I returned home this afternoon to find a card small card posted through my door, from county court bailiff. I was very surprised, really, and contacted the number straight away. The bailiff answered the phone, seemed pleasant enough, and explained that the visit was in relation to a debt with Cabot finance, outstanding CCJ. He said he couldn't return today, due to having to be at a eviction! He also complained about being the only county court bailiff in the area. He said he might be able to return tomorrow, and he has some paper work for
  12. Hi, back in November my daughter received a PCN from Civil enforcement ltd. stating she hadn't paid for parking. The parking was in a conservative club that you had to pay for on your phone. S he arrived at 12:08 and left at 12:27. In this time she didn't have her phone on her so ran into the shop to see how she could pay as the club was closed. (the only place to park to visit this shop is the club). They couldn't help so she returned back to the car and left. She later received the PCN then a letter from ZZPS saying they will instruct their solicitors to chase up th
  13. My father appointed a contractor to do some work on a boiler in a hotel that he does property maintenance for, there was a dispute between him and the contractor and the invoice they raised was to my fathers company. The claimant being the contractor has issued a claim form but in the name of the hotel company name as the defendant. This should be my fathers company. What do i need to do? Thank you.
  14. Does anyone have a Barclaycard application form from 1990 please? I know it's a long shot, but sadly the copy they have sent me is unhelpfully more or less illegible for the relevant section, and I need the exact wording. What I can discern from it reads like you have to indicate in the box to opt out, rather than the usual indicate to opt in. The final sentence appears to say and the section is titled Here's how it looks:
  15. Name of the Claimant- Asset Link Capital (no5) Date of issue –05 Oct 2017 What is the claim for – . Particulars of Claim: 1.The Claimant claims the whole of the outstanding balance due and payable under an agreement referenced .....and opened effective from 22/11/1999. The agreement is regulated by the Consumer Credit Act 1974, was signed by the Defendant and from which credit was extended to the Defendant. 2'The Defendant failed to make payment as required and by 26/03/2015 a default was recorded. 3.As at 30/09/2016 the Defendant ow
  16. Hi, my name is Vanessa. Can please anyone give me some guidance regarding this problem that I'm going through? Please see the full story below: Last year I went to London and parked my car. I didn't have any change with me, so used the application "Pay by Phone" to pay for the whole morning car park. 12£. When I got back to the car, I had a penalty notice on the windscreen. I came home and I was sure that I had paid for it, so I appealed for it online. I thought this "paybyphone" app was something new and that the officer maybe didn't check my car plate online.
  17. Just wanting a little advice guys please.. I took out an unsecured loan with these numptys back in 2007 for £2500. I have paid back £201 each month on time and I want to see if I am owed any charges they have robbed me of . I have sent my SAR today and when it comes back I will have a good scan through it, but I just need to know once ive highlighted all the charges I think are unfair how do i calculate what they owe me? i have read through posts on here and my maths is decent but I just need to know how I work these charges out thats all, Thanks in advance!
  18. Hi all, Anyone got a clue what I should fill in at the top of an N252 form? I have an order for divorce costs and need to have it assessed. The first box says "In the" and I assume I need to fill in the Court the matter will be heard in. Where would this be? The second box says "Claim No.". I have no idea what to put here! Thanks, Old Swanner.
  19. I am writing this on behalf of someone else. Where i use the words me i or us means the person involved. Not me. I was employed as a mobile with a well known security company. My main job was to respond to alarms and deal with them. When i started my job off i was told that i was on a gauranteed 24 hour contract (weekly). I was not given any paperwork apart from some paperwork to show how and what i should be doing. I was told be my manager that i would recieve my contract in the post during the next 4-6 weeks. I also emailed my manager and he confirmed that i h
  20. Hi Can anyone help - I have received a claim form for a catalogue debt from 2011? I know to acknowledge the claim online but do I need to send anything to Lowell? Thanks
  21. Hello all. I want to make a claim in small claims court but believe I have been given a false name for the person I wish to claim against. He sold me a car and lied on the advert. He has since claimed it was a private so sold as seen but I have evidence that would likely indicate that he is selling cars for profit. (multiple adverts for selling cars, pictures of property with multiple vehicles advertised etc). How can I find out the name of the person to make the claim against? If I use the fake name he will obviously ignore it. I do have the license plate of his car so is it p
  22. 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
  23. Hello to all you helpful souls @ CAG, I am hoping for some advice...... A couple of years ago I took out a payday loan with MRLENDER @ £700ish. I found myself in financial difficulty and was not able to repay. I tried to talk to MRLENDER but they were not interested in my circumstances and just insisted on full payment or interest/charges would be added etc. This annoyed the hell out of me!! Therefore I just ignored them. I have now received a letter from MORIARTY LAW (dated 09/12/16), stating; Amount Due: £1312.50 Original Lender: PDL Finance t/a Mr Lender We hav
  24. Hello all. New to this forum, just going to copy and paste the template with my answers. Name of the Claimant: Comprehensive Management Services LTD claimants Solicitors: Gladstones Solicitors Limited Date of issue: 25/09/2017 Date of Acknowledgement - 13/10/2017 Date to file defence - 27/10/2017 Particulars of Claim: 1.The driver of the vehicle registration ... (the 'Vehicle') incurred the parking charge(s) on 04/06/2017 for breaching the terms of parking on the land at QUEEN STREET APARTMENTS 2.The Defendant was driving the Vehicle and/or is the Keeper of the Ve
  25. I have received a letter from B W Legal, stating that it is a `Discount Offer` to settle a PCN which they state has not been resolved. Their letter is in the usual format. Interestingly, they state that the contravention was dated 23rd June 2012, which I understand pre-dates the official inception date of POFA. I do not have any memory of this alleged event as the car was only in my name for insurance purposes and belonged to my son. As this pre-dates POFA, am I right to assume that if I state that I have no knowledge of the driver, especially after 6 years, they cannot en
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