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  1. Hello all Getting worked up and worried over a letter I received from the DWP. It starts with: We need to check your personal information. Dear XXX In order to make sure that you receive the correct amount of benefit, we need to check that the details of your claim are correct and up to date. We have arranged a meeting with you xx March. Why you should attent: Keeping your details up to date ensure that you are getting the correct amount of benefit. 8 out of 10 people come to this meeting. If you can keep this appointment or would like to report a change please call. Then on the back it says: Any ONE of the following forms of id: Passport Driving license Utility Bill Any of the following documents IF you have them: Bank statement ISA Wage Slip Bonds Property or land I own Please note that not attending this meeting your benefit payment could be stopped as we wil not know whether we have the correct details on file to support your claim. ----------- I haven't been asked this before and I've been receiving ESA now for nearly 2 years I think, but I've read some stories about being in a booth with 2 officers who are hostile and really checking people for fraud etc. I suffer with Agoraphobia and I have severe mental health issues BPD and depression. This is really making me panic now.. If this is just a normal routine check and template then great, if anyone could help I would appreciate it. Regards
  2. Please help, I'm not sure how to handle this claim and don't want to get it wrong! Name of the Claimant ? Hoist Portfolio Holding 2 Ltd Date of issue – 30th Aug 2016 Date to submit defence = - by 4pm Friday 30/9/2016 What is the claim for – 1.The claim is for the sum of £13718 in the respect of monies owing pursuant to The Consumer Credit Act 1974 (CCA) under account no xxxxxx-xxxxxxxx. The debt was legally assigned from Santander UK PLC to the claimant and notice has been served. 2.The defendant has failed to make contractual payments under the terms of the agreement. A default notice has been served upon the defenadant pursuant to Section 87(1) CCA. 3.The Claimant Claims: 1. The sum of £13718 2. Interest pursuant to s69 of the County Court Act 1984 at a rate of 8.00 percent from the 13/8/16 to the date hereof 12 days is the sum of £36.08 3. Daily interest at the rate of £3.01 4. Costs What is the value of the claim? £13718 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? cahoot Flexible Loan When did you enter into the original agreement before or after 2007? 20/05/2002 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. HPH2 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 Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Yes Why did you cease payments? Had a Debt Managemant Plan set up with Payplan from February 2010 of which Santander had agreed to being paid £66.27 per month However, they refused repeatedly to freeze the interest unlike the other creditors in the DMP. This was adding around £200 per month in interest in January 2011 I stopped paying the DMP as it seemed pointless as it would never reduce the debt. The original debt was £10804 at the start of the DMP but 11 months later was £13718 due to them being completely unreasonable. What was the date of your last payment? December 2010 Was there a dispute with the original creditor that remains unresolved? Only with regards the interest whilst in a debt management plan Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes, as described above. Payplan had requested all creditors freeze interest and all agreed except Santander. Many Thanks. Brief background: In early 2010 after trying to keep a failing business going I was left with various credit card and a flexible loan debts and the combined monthly repayments became unbearable. I entered into a debt management plan through Payplan paying £324 per month to 6 creditors. By January 2011 the business could no longer trade as I lost my premises and then a few months later lost the house. I considered bankruptcy for the first few years but could never manage to raise the fee (about £750 at the time), then as time passed and I lived in various places the letters became sporadic and it was easier to ignore the few that came. I've had plenty threatening court action from all the usual DCA's and nothing happened until now. I was looking forward to another 4 months hoping it would be statute barred but Hoist have other ideas! I've tried to get an idea by reading all the forums but was wondering if I can do a CCA request for a flexible loan? Also, when checking the FCA register the DCA's licenses don't seem to be active - is this relevant and can it be used? FCA license for Howard Cohen (Cohen Cramer Ltd) Current Status: Lapsed , Permissions Inactive 31/10/2015 FCA license for Hoist Portfolio Holding 2 Ltd Current Status: Cancelled , Permissions Inactive 30/09/2015 I have registered with MCOL and done the acknowledgement on the 8th Sept 2016 and stated I wish to defend the whole claim, problem is I don't know the best way to do it. Any help would be greatly appreciated. Forgot to add, the solicitor on the claim form is Howard Cohen & Co, Leeds
  3. I have just received through the post a Notice of Enforcement (from Merton Enforcement Agents). It relates to an (unspecified) traffic offence in July 2016 which although I cannot recall committing I probably did as I was in that area on the day in question, probably caught on camera for something (it would not have been a parking offence as I was only passing through). I have no previous communication relating to this matter from the Borough of Merton: no tickets, no reminders, no recorded post. The amount owed from the original offence (which I presume would have been around £80?) has now escalated to £278! The Notice of Enforcement contains no details of how I can appeal, only the Enforcement Agents contact details. I plan to call them to explain the circumstances. Is this the right thing to do? And if, as I suspect, I'm told "sorry mate matters have gone too far you'll have to pay the full whack. Where do I go from there? Any advice very much appreciated. Thank you.
  4. Hello all A couple of months back, I saw an advert on Ebay for an Epson Stylus 4880 printer. The advert had a 'Buy it Now' price of £120 and was 'collection in person only'. As the seller was located nearly 200 miles away I contacted the seller through Ebay and asked if he'd be prepared to send the printer via courier at my cost and arrangement, he agreed. I paid the 'Buy it Now' price of £120 via PayPal and made arrangements with a courier company to collect and deliver the Epson Stylus 4880 printer at an additional cost of £90. The printer arrived but when I unpacked it I discovered it wasn't an Epson Stylus 4880 but an earlier 4800 model. These sell on Ebay for around £80 and is a completely different printer - it doesn't accept the cartridges I have for the 4880 (I already have 3 of the 4880 printers) I contacted the seller who accepted his mistake and offered to refund my £120 purchase price and leave the printer with me. He started the refund process. This was acceptable to me although I'd spent an additional £90 for delivery of a printer I didn't really want. Several days later I received a PayPal message stating the seller had cancelled the refund of £120 unless I returned the printer at my cost. This was totally unacceptable to me as I'd receive just £120 refund and be out of pocket for 2 x £90 courier fees, all this due to the advertiser's mistake. I started an Ebay claim but was informed I wasn't covered as the advert was 'collection in person only'. I have considered taking legal action and did send a 'Letter Before Action' by recorded mail. I've heard nothing since! What would be my legal position/options? Would I be able to claim: 1. The purchase (Buy it Now) price of £120 2. The cost of courier delivery to me £90 3. Costs, legal & others? Many thanks for reading this. Regards John
  5. Morning everyone, First time poster on here, bit nervous as I've been a bit poorly recently but seen that this site has been fantastic support to so many people! I've received a claim form from UKPC/SCS Law regarding 5 PCNs from 2015 and are issued in a retail park car park where I worked in one of the stores up until about 3 weeks ago. The car park is a 3 hour max stay car park. I have not acknowledged or appealed any of the PCNs (I was following the advice of 'ignore all' but this now transpires may not be the best way, and I have lost some of the PCNs and NTKs) or entered into any correspondence with UKPC/DRP/SCS Law. I have not yet contacted the management company for the retail park as I thought it best to seek advice on here first before entering into any correspondence. LBA from SCS Law received 28/10/16 stating 14 days for payment. Claim Form from Northampton County Court Business Centre received 17/11/16. I'm going to acknowledge the claim on the MCOL website this morning. Any advice would be greatly appreciated! Thanks in advance.
  6. Hi everybody, I've been pointed in this direction by a reddit user for help relating to a Parking Charge Notice. I took my car to my local garage to get an MOT check done on 01/09/2016. The owner then drove the car to the MOT garage and parked it up inside and then returned back to his garage. A few hours later I hadn't received a phone call yet to say it had been completed so I rang up to find out that my car was OK to collect. I then made my way there and collected my car from the (private) parking lot less than 30 meters away from the MOT garage. Fast-forward a week or so and I've received a letter in the post saying my car was broke the allowed parking period in the car park and I need to pay a fine for £100, I replied to the letter stating the address of my local garage and to take it up with them - I then received an email a month later saying that the time period had ran out and I had to pay urgently - I reminded them that I sent a letter in the post some time later I received this response I then replied with this email (1, 2) using a template I was advised to use. I then explained to take this matter up with my local garage and the MOT centre. I then received this. What should my next action be? I'm really not in a position to be able to afford £100 so close to Christmas. My local garage has told me that they can vouch that I wasn't the person who drove the car there/parked it in the space. Any ideas? Thanks in advance EDIT: I now have a signed and stamped note from the doctors saying I was there when this incident took place. I've managed to find my google location history showing the time I dropped the car off at my local garage and when I picked it up from the MOT centre, this is attached. My local garage has said if it goes to court they will provide further evidence that I didn't have the car after 9am until Also included text to girlfriend with date and timestamp. Omitted names etc for confidentiality EDIT 2 - it turns out I cant include links or images, any idea on this first?
  7. Hi I have today received a letter from flint bishop chasing a debt that i don't recall. The debt is from 2013 and says it relates to an outstanding invoice from "fuel genie" They have attached a "mock" (unstamped) court claim form on it What do i do now? Worried about this as i don't want it to effect my credit rating... Cheers
  8. Name of the Claimant: Civil Enforcement Ltd Date of issue: 13th January 2017 Date to acknowledge = 31.01.2017 DAte to submit defence = 4pm 14.02.2017 What is the claim for: 1.The Claimant claims the sum of 248.05 for Outstanding debts and damages including 12.05 interest pursuant to S.69 of the county courts Act 1984. Total debt and interest due - 248.05. I will provide the defendant with separate detailed particulars within 14 days after service of the claim form. What is the value of the claim? £323.05 including all costs. 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: Only Civil Enforcement Ltd are mentioned, no mention of creditor or account being assigned Were you aware the account had been assigned – did you receive a Notice of Assignment? No. I didn't even receive a letter before claim. I have attached the claim form and the separate particulars of claim form (dated 24 January 2017). The particulars were sent after I acknowledged the service. (I have attempted to upload redacted version but correct me if its not all correct!) My first question is how long do i have to submit my defence/skeleton defence? A claim was issued against you on 13/01/2017 Your acknowledgment of service was submitted on 22/01/2017 at 14:55:15 Your acknowledgment of service was received on 23/01/2017 at 01:09:20 The website states Before you can file a defence to the claim against you, you must make sure the following apply in your case: you are filing your defence within 14 days of service of the claim on you (a claim is considered served on the fifth day after it is issued) or where separate detailed particulars of claim were served, within 14 days of service of those or if you filed an acknowledgement of service, within 28 days of service of the claim (or separate particulars) Hey knowledgeable ones..... I was hoping you are able to help advise me on the next steps in the scenario below. As they sent a separate particulars of claim dated 24 Jan - am i correct to assume i have 28 days from this date to submit my defence? Secondly i have not recieved a letter before claims. Nor do i recall the NTK - although this may been sent i would like to see if its valid and also i can't see any evidence specifically any images of the vehicle alleged to made the contravention. So how am I supposed to accept their allegations - based on their nothing but their words? Do i send a CPR requesting evidence and if so do i include in the above points. I have seen the template CPR request but can i include the above in it and if so how best to word this please? I suppose the skeleton defence can be addressed later after the CPR but any thoughts welcome! If you have any links you can direct to me that might help that would be most appreciated also Many thanks COURT LETTER.pdf PARTICULARS OF CLAIM.pdf
  9. Hi all We have received two PCN's from a Euro Car Park - members of BPA demanding payment of £100 each for both mine and my husband's cars. The date issued is 17/12/2016. I cannot recall the full details of the incident so I am relying on their evidence to advise me - however it looks to be very lacking in detail with simply an images of my number plate twice with text underneath it alleging the time of entry and exit. Now this does not seem sufficient to me but you tell me.... Is there advise on the best route of action to take as this is the first letter from them i want to deal with the matter asap but do not want to pay. is there a thread on here that i might've missed that talks about what to do Many thanks Tam
  10. A friend sold his car in late November for £500 after advertising it on a local for sale site. The friend had explained to the buyer that the MOT had almost run out and that the car needed quite a bit of work. Last week he received a MCOL claim for the full £500 and the buyer stated that my friend sold him a car with a 'false MOT' and that my friend 'withheld the true state of the vehicle's condition'. The MOT was provided by the keeper previous to my friend and after having looked on the Gov website, it appears to be fine. Surely this can not be a 'false MOT'? My personal suspicion is that the buyer realised that there was more work needed on it than he first thought and decided, over 4 weeks after the sale, to issue a MCOL. Any advice would be greatly appreciated....
  11. I parked this morning in one of the local private parking. I purchased the ticket however it fell off the display when door was shut. Me being stupid didn't check before leaving the parking. When I came back, a PCN was waiting for me. Can any one please advise what are the chances of my appeal being successful? My ticket has my reg, time and date. I'd rather take an expert advise rather then appealing straight away. Any feedback is welcome. thanks in advance.
  12. Hi I have received a claim form with a stamp and the county court address on there. It says on the back of the letter - Do not ignore this claim form - if you do nothing judgement may be entered against you without further notice. This will make it difficult for you to get credit. Included in the pack are Admission Form N9A Defence and Counterclaim Forrm N9B Acknowledgement of service The top two are options are self explanatory i believe it does state the following under the 'acknowledgement of service' option: If you file an acknowledgement of service but do not file a defence within 2 days of service of the claim form, or particulars of claim if served separately, judgement may be entered against you. If you do not file an application within 14 days of the date of filing this acknowledgement of service, it will be assumed that you accept the court's jurisdiction and judgement may be entered against you. I can recall this relates to when they claim I had stopped in a no stopping zone at one stop shopping centre in Perry Barr Birmingham. I was totally unaware of this till i recieved the letter and it was asking for £100! On recollection i had parked next to where all the taxis park, so my mother could run to the cash point. I was in my car at all times and my engine was on - she was back in my car in two minutes and i was out o there. There was no obstruction caused and i even doubt i crossed the line where the cross hatches begin - probably only to turn around and get out of there! Naturally i have been ignoring their demands and have not sent them anything, but upon receiving this now i am concerned as to what it is? Am i being taken to court? will i get a CCJ? and do i need to respond? what is my best course of action? Hoping somebody can advise me please. Many many thanks
  13. Received yet another claim form (thats the third in 7 months for debts originating from 2010 when these financial problems first arose). Its for an overdraft and credit card originally with Lloyds. POC: The Claimant claims payment of the overdue balances (set out below) which the Defendant (s) have failed to pay as required under contracts with the following particulars acc no **************** and acc no ************** between the Defendant(s) and Lloyds TSB dated on or about 06/11/98 and 13/05/98 respectively. The contracts were assigned to the Claimant on 19/09/2013 and 19/09/2013 respectively. PARTICULARS:- a/c no **************** a/c no ************** DATE ITEM VALUE 30/06/2014 Default Balance ****.** 30/06/2014 Default Balance ****.** Post Refrl Cr NIL TOTAL :- ****.** No pre-action conduct letter was sent. I know the drill well enough by now as regards getting off CCA requests etc but have a couple of queries if anyone would be so kind to oblige. For starters has there been some kind of sea change in the way DCAs are operating? I read a few years ago that they were pretty unlikely to take court action and would simply rely on threats and persistence to try and get people to pay up. However having now received 3 seperate claim forms this year I assume this has changed for some reason. The other question I have is regarding the 'dated on or about' phrase in the POC. Is it usual to be this ambiguous or are they just covering their backs? I'm assuming it at least means they have no paperwork at this stage. As ever any feedback would be much appreciated.
  14. My home was repossessed by Acenden for SPML last April, and the sale completed on 28 November 2016. I have still not received the residual proceeds, amounting to >£133,000. Am I entitled to interest on this since the date of completion? I'm severely disabled, in temporary accommodation and my health, already known by Acenden to be very poor, is suffering. I need to buy a new home, I'm of an age where I'm eligible for an equity release mortgage, and there are much cheaper places to live than here. I desperately need to get out of here. Having read CAG Guide, can I sue Acenden for breach of the FCA Code of Conduct? It's a heavyweight document and would take me a long time to search for any pointers. Please, could someone at least point me to the section of it I need to read to find out? TIA.
  15. Hi, I received a ccj threat from Asset Collections & Investigations ltd Glasgow they purchased it from Lending stream limited. I sent online an acknowledgment 0f service back and said i intend to defend the case this was on the 19 jan 2017 I have 28 days to defend it. the original sharks lending stream kept offering roll overs and when i got into difficulties they didnt want to know. seems it got sold off and now asset collections are sending this through COUNTY COURT bulk centre northampton. I want to defend my case But I am not entirely sure what grounds I should use???? can anyone advise me on ways to delay or get some help defend against it please. Best Regards Paul. ps. total claim £1572 + 0.34 day interest
  16. Hi, I wonder if anyone has had any dealings with Viking collection services working on behalf of Santander? I am currently sorting out DMP's with all my creditors as a result of a drop in income. Most have accepted it, one has just ignored it, one just keeps sending duplicate letters every so often, bmy Asda card that is owned by santander have now passed it on to vikings who are demanding full payment of the outstanding balance. I wrote to santander a few times telling them my situation and what i could afford and i have been paying that. I have now sent another letter explaining this to Viking. My experience is telling me that Viking is in fact just another part of Santander. Am i right in thinking this and does anyone know what they are like to deal with, will they take me to court sooner rather than later? Is this just a scare mongering letter to make me pay up? Any advice on how to deal with this company would be much appreciated. Many Thanks Gem77
  17. Name of the Claimant ? PRA GROUP (UK) LTD Date of issue – 27/7/16 Date to submit defence = XX (33 days in total) - 29/8/16 What is the claim for – the reason they have issued the claim? Please type out their particulars of claim (verbatim) less any identifiable data and round the amounts up/down. 1.The claimant claims the sum of 3330 for debt and interest. 2.On 22/3/95 the defendant entered into an agreement with LLOYDS for a loan under reference 44xxxxxx. 3.On 25/3/04 the defendant defaulted on the agreement with an outstanding balance of 2750. 4.On 24/6/13 the debt of 2750 assigned tp Aktiv Kapital Portfolio AS, Oslo, Zug Branch, who assigned the debt to PRA Group (UK) Ltd on 31/12/14. Notices of assignment were sent to the defendant in accordance with S136 Law of Property Act 1925. 5.Payments of 27.85 received up to 15/10/13 AND THE CLAIMANT CLAIMS 1. The sum of 2700. Statutory interest pursuant to Section 69 of the county courts Act 1984 at a rate of 8.00% per annum from 15/10/13 to 26/7/16 and thereafter at a daily rate of .6 until judgement or sooner payment. What is the value of the claim?3603.72 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? loan When did you enter into the original agreement before or after 2007? before 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. debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? yes Did you receive a Default Notice from the original creditor? don't know Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? no Why did you cease payments? on debt management plan but stopped payments because most of the debts had been sold on and the dcas had not responded to my cca requests What was the date of your last payment? Oct 2013 Was there a dispute with the original creditor that remains unresolved? no Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? yes What you need to do now. Answer the questions above If you have not already done so – send a CCA Requesticon to the claimant for a copy of your agreement - done (except for Overdraft/ Mobile/Telephone accounts) Send a CPR31.14 request to the solicitor named on the claim form for copies of documents mentioned/implied within the claim form. There are two different versions - one for Loans/Credit cards the other for Current accounts Request 1 - Loans/Credit Cards - done I have acknowledged and said I intend to defend all the claim.
  18. I paid them for a couple months via Monthly Standing Orders which i set up, this was after the Debt Management Company I used folded, I then stopped paying all of them recently ... I have just received a true copy of my original CCA from Halifax, back dating to 2001, so will now need to sort a repayment offer with them They are the only 1 from 5 to provide thus far, so tbh i still had a great result This is very true, i assumed info from a company like StepChange would be best i would get, not a mention or suggestion of doing CCA's came from them Sometimes their hands are tied to give certain aspects of advice and as I say CAG was a blessing in disguise when i read what people were saying about making CCA requests I have just received a true copy of my original CCA from Halifax, back dating to 2001, so will now need to sort a repayment offer with them, they are the only 1 from 5 to provide thus far, so tbh i have still had a great result ! Better late than never, very true
  19. Today I received a Claim Form for an old Bank Of Scotland Credit Card debt that had been passed on to IDEM Securities Limited. I had been sending regular monthly payments to Idem via Standing Order, last payment sent was January 2016. I had sent a signed for CCA Request on 28 December 2015 to IDEM SERVICING. The reply to my CCA request was: IDEM acknowledged they were unable to supply a copy and acknowledged until they could do so the agreement cannot be enforced. in March 2016 they wrote again saying they have now received a copy from LLOYDS BANKING GROUP and enclosed a copy. No signatures whatsoever are shown and just a print off of Repayment and Interest Charging, all looks like a generic print off. I never made any communication whatsoever with IDEM from this point. They tried phoning me daily and leaving messages on my answer machine which i never responded to. They then wrote to me in April 2016 saying they were unable to speak with me. Then they wrote in May 2016 saying they are keen to speak with me. Then on 14th July they wrote saying account transferred to Litigation. Today I received the County Court Claim Form with Issue Date 27 July 2016. I have logged into MCOL and done acknowledgement of service, and defend all. I have also a CPR 31.14 request to send signed for to Claimant in the morning. I also at this moment have a Claim Form going on with PRA-Halifax(LLoyds) which i have a thread on the forum, i have filed defence on that, and awaiting the 28 days to see if gets stayed, so i already was aware with MCOL and defend all being way to go. I thought it would still be worth while posting a new thread with this particular claim that has arrived today, just incase any different cause of action is best, both cases are very similar intruth as both have not provided a true copy of CCA. Any help/advice as always truly appreciated! Thank you
  20. Hi, Upon checking my credit report I have found a CCJ registered at an old address in June this year by Hoist Portfolio Holdings. I believe this to be from an old Nationwide Overdraft debt that I defaulted on in 2006. The last payment I made was in 2006, however I was part of a Debt Management Plan which sent payments against this account to Nationwide in October 2010 which were returned. I have completed a set aside application N244 to have this set aside on the basis I did not have a chance to defend, have received no information as to what it relates and believe any debt to be statute barred. The date for this is set for January 2017. I sent two letters in April and December of 2014 to Keynes Collections who were chasing this debt (if it is the Nationwide debt) stating that I believed it to be Statute Barred and to only be contacted if they could provide evidence. The CCJ issued was not at the address I used for these. As such I have raised a complaint against Hoist (Keynes are part of their group) using the Resolver system as they have continued to chase despite being informed that the debt was Statute Barred. They have not responded thus far and this can be escalated to Stage 2 in 8 days. I have requested that a set aside be issued by themselves without a hearing otherwise I will be escalating my complaint to the FCO on the above basis requesting a Set Aside and reimbursement of my N244 fee. Just looking for some advice as to whether I am currently on the right path with what I am doing. I have said I have received no details regarding the debt on the N244 therefore if my set aside is successful from either the application or the complaint, can I request the CCA etc or am I tied into a Statute Barred defence as I have mentioned this? Apologies for the longish post, but wanted to give as much info as possible - I've looked at similar posts and hoep I'm on the right track, but would hate to make a mistake and end up liable as I didn't want to start my own post! Any help much appreciated - the claimed amount is around £4,500
  21. Hi, Can someone help pls, i just received a court claim for a money i owed on credit card about £1k with Xcredit card company since 2010 which was passed to capquest then to drysden fairfax solicitor, what do i do pls the court letter was issed on 14th Oct 16, i check my credit report from experian and it does not show the credit drysden are requesting for, it only show two other credit i owed only, i have called experian again to recheck my file but they are having problem with their server now, will do that tomorrow, can i go get a no-win-mo-fee to help me out pls, i will appreciate any question to help me.
  22. Name of the Claimant ? LOWELL PORTFOLIO LTD Date of issue –. 13/12/2016 Date to acknowledge) = - 31/12/2016 Date to file defence = by 4pm fri 13/1/2017 What is the claim for – 1. - THE CLAIMANTS CLAIM IS FOR THE SUM OF £432 BEING MONIES DUE FROM THE DEFENDANCT TO THE CLAIMANT UNDER A STORE CARDS, CREDIT CARDS AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974 BETWEEN THE DEFENDANT AND VANQUIS BANK PLC UNDER ACCOUNT REFERENCE ********* AND ASSIGNED TO THE CLAIMANT ON 26/01/2016 NOTICE OF WHICH HAS BEEN GIVEN TO THE DEFENDANT. 2.THE DEFENDANT FAILED TO MAINTAIN THE CONTRATUAL PAYMENT UNDER THE TERMS OF THE AGREEMENT AND A DEFAULT NOTICE HAS BEEN SERVED AND NOT COMPLIED WITH. 3.THE CLAIM ALSO INCLUDES STATUTORY INTEREST PURUANT TO SECTION 69 OF THE COUNTY COURTS ACT 1984 AT A RATE OF 8.00% PER ANNUM (A DAILY RATE OF £0.09P FROM THE DATE OF ASSIGNMENT OF THE AGREEMENT TO 10/12/2016 BEING AN AMOUNT OF £28.80 What is the value of the claim? - £546 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? - AFTER 2007 BUT CANNOT RECALL EXACT DATE 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. - PRA Were you aware the account had been assigned – did you receive a Notice of Assignment? - NOT SURE Did you receive a Default Notice from the original creditor? - NOT SURE Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? - NOT SURE Why did you cease payments? - A COUPLE OF YEARS AGO What was the date of your last payment? - DO NOT KNOW EXACT Was there a dispute with the original creditor that remains unresolved? - NO Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? - YES WAS IN A PLAN THAT LASTED A YEAR BUT WAS THEN TOLD I WASNT PAYING ENOUGH BUT COULDNT AFFORD MORE .............. Hi Guys, Today I received a claim form from the county court. The claimant is Lowell and its for an old credit card with Vanquis bank Please help on what to do. p.s i believe that Vanquis bank was not being a responsible lender at the time of application I have just read another post asking for information so here is my responses in capitals... then copy this first msg to your thread - and put your answer after each question In order for us to help you we require the following information:-
  23. First I've heard of this, I haven't received anything else regarding this matter, isn't this something that I have to attend court for? if so why wasn't nothing stated nor issued to me? I have to pay £1005.82+£110 fee within 8 days to a company I don't even know about? or even know what money they are trying to get from me? Over the past few years I've been working hard to pay back things i genuinely do owe, and for this to pop up is just annoying.. I work a part time 30 hour a week job, any ideas? Obviously if the debt is true I'll pay, but from how long ago could it go back to?
  24. I've read a fair few posts about ignoring these letters and all but would like to know if my situation is any different. I set off the security things on my way out from work one night (I used to work at TkMaxx) and we couldn't find what set the beeping off. I later phoned back to say i'd found a soft tag that i'd been playing with stuck to my magnetic name badge. The only thing bothering them was that i had a top in my bag that i had no receipt for. The last purchase i made was for a grey vest and the top i had in my bag was white with black sleeves. i had had an accident with makeup in my bag and rolled up this vest with the top i grabbed from home to protect it as i was intending to return it.... long story short (and the details dont particularly matter) they dragged out this 'investigation' for about 2 weeks, during which i was obviously suspended. my anxiety was through the roof. during my final disciplinary he had said to me that he did not feel that i had sufficiently explained the incident and that based on those grounds he was going to dismiss me for gross misconduct. he did not once say 'yes we believe you have stolen it' or 'yes we are 100% certain you have stolen' he just said he didn't feel my explanation was good enough. fair enough, i wanted to leave anyway. i did not enjoy working for them. HOWEVER. during my disciplinary, i was in a holding room and pointed to the RLP poster on the wall (as i had heard about them from researching before my disciplinary) and asked the note-taker (a Team Leader at TkMaxx) whether or not i would have to pay a fine as I had heard the LP next door dial RLP on speakerphone...... He said to me, 'i don't think so, otherwise you would have been informed and they would have mentioned it today' and i never thought anything else about it. Fast forward to now and i've just started an apprenticeship (so will be on waaay lower wages) and i've just got a RLP letter through the door that first of all says LETTER BEFORE CLAIM at the top and then says: Value of goods which was not recovered: £7.99 Contribution towards the cost of the time spent investigating blah blah blah £197.50 TOTAL £205.49 I'm panicking, my anxiety is starting to rise and i'm just worried about whether or not my situation is any different? Will i have to pay this? will they press charges because i worked there?? I will not be able to afford it either way :/ and i'm 23 btw
  25. Hi All, I have received a claim form for an old shop direct account, did think this was was taken care of, so I am questioning legitimacy of legal ownership and right of assignment along with the claimed amount. Details are: Name of the Claimant ? Lowell Portfolio I Limited (the I could be a 1?) Date of issue – 13th October 2016 Date of defence issue - 4pm Monday 14th November 2016 What is the claim for – 1.The claim is for the sum of £4XX.XX due by the defendant under a non-regulated shop direct account with an account reference of XXXXXXXX The defendant failed to maintain contractual payments required under the terms of the account agreement. The debt was legally assigned to the claimant on XX/XX/2011, notice of which has been given to the defendant. 2.The claim includes statutory interest under S.69 of the county courts act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £3X.XX The claimant claims the sum of £5XX.XX What is the value of the claim? £515 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Catalogue When did you enter into the original agreement before or after 2007? - After 2007 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. - Lowell Were you aware the account had been assigned – did you receive a Notice of Assignment? I dont recall receiving one, Im fairly certain I didnt. Did you receive a Default Notice from the original creditor? Maybe, but I dont recall Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not that I recall Why did you cease payments? Lost my job. What was the date of your last payment? I dont know this and have no Bank accounts going back that far. Was there a dispute with the original creditor that remains unresolved? I dont recall, I thought this had been cleared. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? No. I intend to defend the claim and will register acknowledgement of service this evening , I will prepare CCA and CPR and send tomorrow. Any other advice? Thanks
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