I wonder if anyone can give me some advice please? Lowell Solicitors are chasing me for a debt to Orange (who I believe no longer exist) - I believe the original debt was about £300 maximum. They now claim that I owe them over £1,000. Is there any limit to the charges they can add? I am now in a position to repay a reasonable amount but surely this is just ridiculous? I have asked them to explain how this debt has grown to such a level but am not honestly expecting a sensible reply! This does have a CCJ against it. Can I go back to the court and dispute the matter at this stage? Many thanks.

My husband received a parking notice in February 2017, after parking on a private road outside the house where he was living. GLADSTONES SOLICITORS were involved. He received 2 notices and as it was a private parking company he ignored them. A few months letter a 3rd latter came suggesting a court case and demanding £400. He filled in the form and returned it saying that whilst he disagreed with it he would pay but could not pay all at once and requested a payment plan. He suggested £100 per month. That was in November, 2017. He heard NOTHING back from them and received no further notices or correspondence. On the 22nd March 2018, at 17.45pm there was a hammering on the front door, my husband answered and noticed a clamp on his car. A guy came into the apartment and told us he was from DCBLtd and was a High Court Enforcer and he was not leaving until we had given him £2318.00 cash/ debit or credit card or goods to that amount. We were shocked as we had no idea what he was talking about. He was very intimidating. I asked for his ID and he showed me a badge and ID I photographed him and the ID. I asked for paperwork. He showed me but then got very aggressive when I tried to take it from him to read it. During this time he let it slip that he was filming us and derided us for not knowing or noticing that he was wearing CCTV. He walked around the apartment writing down our goods onto the back of the paperwork i.e. 2seater white sofa, 3seater white sofa, wood frame mirror etc. All of which would raise pennies at public auction. He snarled at us that he could go into any room, any cupboard, any drawer that he wanted to. He also tried to take the IPAD that belongs to my husbands company. He then informed us that he would call the van, which if it arrived to take away the goods would cost us £1500 extra. We tried to reason with him but he called the van anyway. We panicked and managed to borrow £2300 from my son. We could not afford the van to turn up and take away our belongings and be left with an empty apartment and £4000 debt. We paid him and he left. We looked at the paperwork at last, it was headed "Notice that goods have been removed for storage or sale" There was NO name and NO address on it. There was a CCJ which we checked and is now on my husband’s credit rating. The original debt was now £773.93, There was a compliance stage fee of £90, An enforcement stage fee of £822.00 and A stage sale payment of £630 Plus interest of £2.24 A total of £2318.17 We tried to dispute the payment with my bank, they did not want to know, I have been to CAB who say that as it is no longer a debt and they are unable to help. We have called GLADSTONES SOLICITORS and Northampton Court to get copies of any paperwork. We cannot contact GLADSTONES or the court. We have emailed the court requesting that they remove or put a paid notification on the CCJ. About 30 minutes after the bailiff had left the house, my husband received an email reply, from JULIE who said she was from GLADSTONES Solicitors, acknowledging his request for a payment plan. She wrote saying thanks for the letter dated 18th February 2018 -the date the CCJ went through and that it was no longer their concern. When we requested they send copies of all correspondence they said they were not obliged to send any copies of paperwork or correspondence. Where do we go from here? What can we do to get our sons money back? Please help! Many thanks

This is an ongoing situation but now I’m I am confused. To start with I must say that I appreciate the meaning and intent of client confidentiality. A solicitor took a personal instruction from a brother (not the executor) I asked questions about our mother’s estate. They will not answer claiming client confidentiality. I asked the date and what authority he claimed when giving the instruction. They ignored my letter. I am now wondering if this is because he had no authority to deal with the estate. Any suggestions?

Thanks in advance for this site and all the posts and advice You are all the reason we have decided to put up a fight. Just for a context.... I have spent the last week reading everything I can possibly fit in to my brain on this subject and I just need some clarification on some points. My family and I were away for 6 weeks (28 Nov 2017- 10 Jan 2018) in New Zealand during that time my husband received a PCN (£60 early repayment) dated 29th Nov 4 days after the alleged incident (25th Nov) from HX Car Park Management Ltd. The PCN was for overstaying a pre paid time that was paid for. Needless to say we didn't see this or the next 'Outstanding Parking Notice' (£100) dated 28 Dec until we returned home on on 10th Jan. He got another letter dated 12th Jan which was a 'Final Demand Notice' (£125). At this point he freaked out completely, as you do, checked his diary and saw that he was not even the driver since he was working 40 miles away that day. I immediately wrote a letter (since he didn't have the time) (dated 19th Jan) telling them that he was not the driver and could provide proof of this if required, gave them a copy of flight ticket to show we were away and so couldn't respond to their letters and asked them to stop sending letters of a threatening nature and posted it recorded delivery. Obviously I did not look at this amazing forum (or indeed any of the other ones we have since come across) first (more fool me). We heard nothing for 2 months and then last week received an LBC from Gladstone Solicitors giving 30 days to cough up the now £160! I have since looked at so many forums and legislation, including the Pre Action Protocol, POFA and have whittled down what I think we need to do now which is draft a letter to Gladstones asking for: 1. an explanation of the cause of action 2. whether they are pursuing the driver or keeper 3. whether they are relying on the provisions of Schedule 4 of POFA 2012 4. what the full details of the claim are (where it is claimed the car was parked, for how long, how the monies being claimed arose and have been calculated, what contractual breach (if any) is being claimed) 5. a copy of the contract with the landowner under which they assert authority to bring the claim 6. a copy of any alleged contract with the driver 7. a plan showing where any signs were displayed 8. details of the signs displayed (size of sign, size of font, height at which displayed) 9. If they have added anything on to the original charge, what that represents and how it has been calculated. Is this the right thing to do? And may I post a copy of my drafted letter on here for you guys to check it's ok if you wouldn't mind that is? 10. All photographic evidence showing where the car was parked when the (alleged) breach was made. 11. Images of the time displayed on the P&D machine at the material time. 12. Evidence that the time on the machine was correctly synchronised with GMT. 13. Details of the amount that was paid and the length of overstay (as these details were not in the NTK) so NTK does not meet the POFA 2012 on this basis. They haven't stated that they are relying on the POFA in any of their letters and although they seem to have included most of the details required of them in the NTK as per the POFA they haven't been completely concise on all counts and the photos they provided do not have the car parked but is actually in motion on what looks like a main road. My brain is swimming with everything I have read and I can't decide what the next best course of action should be. Your help and comments would be greatly appreciated. Thanks!

Hi I have received a claim form from the county court for an o/s HoF storecard debt. The amount claimed before charges is £526. I stopped paying HoF/Newday about a year or more (maybe two years) ago as I couldn't keep up with the charges they kept adding to my bill. The original purchases amount was around £120 approx but then the late payment charges happened and interest on those then more late charges and more interest and now it's just got out of hand. I am tempted to phone Lowell and tell them that but I know it won't make a difference. I have used advice given to me previously to respond to these court claims and I still have that on here so I can look it up. Should I follow the same course of action? Lowell have been writing to me and warning me etc but I see so many letters that I just don't read them anymore. Help please. Thank you in advance again for your assistance.

Hi - I know this has been advised on loads of times, so i'll keep this brief as possible. I have read and read the threads and have formulated my defence, I just wondered if someone would cast their eye over it and make sure it reads okay. Background: Name of the Claimant - Lowell Portfolio Date of issue – 7 February 2018 AOS on MCOL entered on 7 February 2018 What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. Full POC 1.The Defendent entered into an agreement with BT Plc under account reference..... 2.The Defendant failed to maintain the required payments and the services were terminated. 3.The agreement was later assigned to the Claimant on 27.3.2017 and notice was given to the Defendant. Despite repeated requests for payment the sum of £349.54 remains due and outstanding. Claimant Claims: The said sum of 349.54 Interest pursuant to S69 County Court Act 1984 at the rate of 8% per annum from the date of assignment etc etc Costs Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Not sure What is the value of the claim? Total £458.75 Inc fees and costs (373.75 claimed) Is the claim for - BT Broadband Account When did you enter into the original agreement before or after 2007? After 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. Assigned to Lowell Were you aware the account had been assigned – did you receive a Notice of Assignment? Did you receive a Default Notice from the original creditor? No Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? January 2014 account was closed (or I thought it was) What was the date of your last payment? 18 January 2014 for £301.88 which I thought settled the account. 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 management planicon? No I requested details the day I received the claim form from Lowell under (mistakingly the CPR rules for Credit Agreements, I got back an email stating that they were not required to retain and provide me with a copy of the agreement, also default notices does not apply and are therefore not issued etc. I honestly cannot remember what happened with this account. I left my home with my children as my husband was in a black hole of addiction at the time, and I left without most of the paperwork. He has subsequently passed away so I can't ask him either. So this is my proposed defence The Defendant contends that the particulars of claim are vague and generic in nature. Paragraph 1 is accepted. I have, in the past, entered into a contract with BT PLC, which was in dispute and never resolved to my satisfaction. I do not recall the exact details, nor do I recall any outstanding balance. I have requested the claimant verify the exact details of this claim in my letter to them of 7 February. The claimant responded on the 13 February, but refused to provide me with a copy of the agreement, stating he is not obligated to do so by virtue of the consumer credit Act 1974. To date, no statement of the alleged account has been received. Paragraph 2 is noted, again I do not recall any breach and I have never received the stated Default Notice. The Claimant has stated, by letter, that he is not obligated to provide a copy of the Default Notice, again by virtue of the Consumer Credit Act 1974. The account was in dispute and never resolved by BT. Paragraph 3 is denied. The claimant never served a Notice of Assignment pursuant to the LoP Act 1925. However they did subsequently send me a copy on the 13 February 2018. Therefore the Claimant is to provide strict proof to: (a) show how the Defendant has entered into a Agreement/ Contract; and (b) show and evidence the nature of breach and termination. (b) show how the Defendant has reached the amount claimed for; and © show how the Claimant has the legal right, either under statute or equity to issue a claim; The Claimant has stated that he has made several requests for repayment, yet I do not acknowledge any debt to the Claimant. As per Civil Procedure Rule 16.5(4), it is required that the Claimant prove the allegation that the money is owed. As the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim, due to contraventions of Section 136 of the Law of Property Act. Subject to the above, should the alleged amount claimed include an early termination charge(s) amounting to the total balance of the remaining contract, OFCOM guidance clearly states that any Early Termination Charge, that is made up of the entire balance of the remaining contract, is unlikely to be fair, as it fails to take into account the fact that the provider no longer has to provide and pay for their service. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed, or any relief. Any comments or help greatly received

Hello everyone I've received a letter from Moon Beever Solicitors on behalf of 1st Credit (Finance) Limited for an outstanding Halifax debt of £2,254.03 Letter reads as follows "We are instructed on behalf of 1st Credit (Finance) Limited of The Omnibus Building, Lesbourne Road, Reigate, RH2 7JP. This letter is sent in compliance with the Pre-Action Protocol on Debt Claims ("the Protocol"). It is part of the requirements of the Protocol that we refer you to Annex 1 of the same and supply you with an information sheet and reply form. A copy of Annex 1 and those documents are provided with this letter. Our client has a claim for monies owed on your Bank Of Scotland Plc Bank account reference xxxxxxxxxxxxxx, which was opened on or around 3rd July 2006 ("the Agreement"). The account was assigned to our client on 18th November 2013 and a notice of assignment was sent to you on 10th August 2015 confirming our client as the new legal owner. The sums owed to Bank Of Scotland Plc must now be paid to our client" It then goes on to say that I can request a written copy of the agreement (if applicable) which the client will request from the original creditor and send to me upon receipt. As well as providing as reply form and a income/outgoing form I had some bad credit problems in the past and I understood that they were now statute barred. This debt doesn't appear on my credit report, which I check every month after being a victim of identity theft. I'm not sure what to do next, so any advice will be gratefully received. Thanks, Al

I need to contact Copes Solicitors. I tried contacting their address at The Courtyard, St Albans, but the letter was returned saying that they were no longer at the address. They used to work for Transcom. Does anybody know where they are now? thanks

I received a Letter of Claim from Lowells today and now my heart is racing and a sense of panic is setting in. Particulars of debt: On 22/6/2009 you entered into an agreement for Lloyds account. You failed to make payment in accordance with the terms of the agreement and it was later terminated and subsequently assigned to our client by Lloyds Bank PLC on the 24/11/2015. Notice of the assignment has been previously been given to you and you may request a copy of the agreement on the enclosed reply form you are required to make payment of the of the sum outstanding £11931 within the next 30 days. Please advise as i certainly do not have that type of monies available.. Silly silly me for stopping my repayments

Hi, I received a parking ticket on my windscreen back on 4/8/2016 whilst parking in a resident only space where my daughter was living at the time. I had been issued with a visitor parking permit to display when ever I was there ,which I had done this had fallen from the dash into the foot well. I appealed against the ticket on the 8/8/16 and they said they ever received my appeal even though I have proof it sent (via email). After all this time and re-appealing they passed it on to DRP and now they have subsequently passed it to Gladstones Solicitors. Advice please as I've managed to find an email address for them and have emailed the appeal and its response to them but reading other threads they don't seem to acknowledge or take not of any defence. Awaiting a reply and thanks in advance.

Hi everyone, just received a " Letter of claim " letter from Kearns Solicicitors. They have given me 30 days to respond to a credit card debt I defaulted on last year. The amount is for £700, but due to ill health I have been unable to communicate with the DCA " Asset Link Capital ( bought from Newday LTD ) My question is this likely to to go to court as threatened ? I havn't been able to work for a year, and am in massive debt with no income. Just wondered if I should respond, but I have nothing to offer ? Thanks in advance for any advice, I do appreciate it really. Thank you.

Hi there, First of all I apologise because I know this site must see so many of these threads. I am trying hard to help my mum with parking charges she was advised by many to ignore initially. She had received letter after letter and is terrified of bad credit or court. The parking charge came from Matalan car park in Ayr, Scotland. My mum took my elderly gran there and parked in a disabled bay with the blue badge on display on 11/03/17. My mum had no idea you were required to pay for disabled parking and spent approximately half an hour in matalan. She received her first letter on 16/03/17 and has kept every letter. The initial letter has picture of her car registration entering and leaving. A few threatening letters later and now we have a letter from Gladstones solicitors threatening possible court action in the next 6 years and a bad credit rating. We have two weeks (one week left) to either pay up £140 or face the possible consequences. I would be forever grateful if someone could give me advice on where we go from here? Do we pay the full £140? Do we fight to pay the original fine? Can we appeal? Whatever it is I am willing to write letters, make a 1000 phone calls or pay the full fine myself just to get rid of this worry for my mum. I dont think ignoring it is going to help anyone in this situation. My local trading standards weren't much use. She said they had never taken anyone to our local court, but eventually they would. We could continue to ignore or pay. I will pay the full thing before ignoring it but something is telling me there may be something else we can do, perhaps pay the initial fine? If anyone out there has any advice or experience could you please help? Thank you so much

Hi I took out a door step loan in 10/2010 due to my younger sister having a stroke I defaulted in the same year I have not paid or recognised this debt since in 2014 it was assigned to lowell who marked it on my credit file as a new debt. Today I received a letter saying despite previous letters I have not made an agreement they are giving me 30 days notice before court have included a load of paperwork for me to fill out about financial situation other debts and am I seeking debt help or who I plan to pay. They say that because they took over the debt in 2014 the six year rule started when the took over the debt. The original debt no-one appears on my credit file as it went statute barred either the end of 2016 or early 2017. How do I fight this if it comes to court

Claimant -Lowells Date of Claim...02 Oct 2017 What is the claim for – 1 the defendant opend a jd Williams reg consumer credit acc under refxxx on 18/03/2008 (the agreement) 2 in breach of agreement the defendant faled to maintain the required payments and the agreement was terminated. 3 the agreement was later assigned to the claimant on 20/12/2012 and written notice given to the defendant. 4 despite repeated requests for payment the sum of £1530.00 remains due and outstanding, and the claimant claimes a.the said sum of £1530.00 b. interest pursuant to s69 count courts cost act 1984 at the rate of 8% per annum from the date of assignment to the date of issue accruing at a daily rate of £0.335 but limited to one year, being £122.40 c costs What is the value of the claim? £1837.40 Is the claim for - a Bank Account (Overdraft) or credit card or loan or a ctalogue or mobile phone account? catalogue When did you enter into the original agreement before or after 2007? after 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? no Did you receive a Default Notice from the original creditor? no but not sure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? no Why did you cease payments?was made redundant What was the date of your last payment?4 or 5 years ago Was there a dispute with the original creditor that remains unresolved? yes Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? yes What you need to do now. we dont have any paper work for this and not sure were to start,i will be responding to claim and sending the sar ect out

Hello, We went to the Embassy last year on 22 Aug 2016 where I got the parking charge notice from CPM car park management that I parked at the private property location and a charge of 100 pounds due within 28 days of the date of issue. I couldn't able to see any board saying that parking is not allowed there I got the parking ticket from the pay machine and put it in my car when I came back I got this notice. I returned back to the receptionist and asked about that she said that every day they get people complaining having parking tickets like this. I have kept on ignoring letters I received from DRP for a long time I got the letter before claim from Gladstones today saying that they have been instructed to commence legal action against me to recover the amount due. I have attached the received letter before claim. I have never made any correspondence with them earlier but now I am planning to do so. Please advise me what I am supposed to do. It's been more than one year and I get so stressed whenever I get the letter from them . vista_centre.bmp

Hi, I am knew here so I hope someone can assist. About a week ago I got a court claim (from Northampton) from Lowell Solicitors for a debt with Three mobile. Long story short, went through a nasty divorce, family mobile contract in my name, due to "hostilities" I stopped the contract, in the furore I forgot about it, thought ex had taken the contracts over. Lowell have sent the matter to court and was wondering what I should do next? I have sent in the acknowledgement of service and stated intend to defend in full, however would be grateful for some words of advice regarding what I should do next please. I have no income so this is a bit of a nightmare to me! Hope someone can advise. Thanks

Hi, Just looking for some advice please. I have been trying to get Lowell to prove a 'debt' to 02 that goes back to 2012.. the debt is for £181 and all they keep telling me is that it is for a phone contract. On Friday I received a letter form Lowell solicitors saying they now have the debt and that I need to talk to them about paying it. . today however I receive a very strongly worded "Letter of claim" letter with several pages for me to input all my details and reasons for why I have not paid. I emailed them and this is the reply I got back from them, I am just wondering if i do have to actually provide them with the details they are asking for? I have sent them the "Prove it" letter from this site via recorded delivery as well. Dear Sir or Madam, Please be advised that if this is the first email we have received from you, we require some information from you in accordance with the Data Protection Act 1998 so that we can conduct our security checks. Please confirm: Our reference number Full name Full address, including post code Full date of birth By replying to this email, you also confirm that you give authority for us to record this email address and correspond with you by this method. We are currently experiencing high volumes of emails. We aim to respond within 5 working days, once we have satisfied our security checks. Please note that until we receive the above information from you, we will not be able to deal with your correspondence. If you are responding to any contact that suggests that we may take further action against you within a specified time, please call us on the below number as we cannot guarantee that we will have seen your email before this action is taken. If you wish to speak with a member of our team, please telephone us between 8:00am and 8:00pm Monday to Friday or between 8:00am and 2:00pm Saturday on 0113 335 3334.

A couple of days ago, I walked into asda with the intention of taking 2 chewing gums from a 45p packet and I did, I also stuck it down my trousers. The security guard caught me and took me to a room and made me sign a letter saying I'm banned from asda, but told me that's the end of it and nothing else will happen. Today I got a letter from dwf saying I have to pay £125 as some civil matter and it's nothing to do with any legal action asda had taken or may take. Do I actually have to pay this as I was promised nothing else would happen and paying dwf doesn't seem right as the matter is between me and asda over a 5 minute interaction. I know I am in the wrong but I'm just wondering do I have to pay this before I do. I'm 16 living in Brent, London.

My daughter parked in my private parking bay and viewed the visitor permit in the windscreen rather that the permit with the bay number. When we returned she had a parking ticket. I wrote to UK Car Park Management Ltd advising this was an error and that she had my permission to park there me being the resident for that bay and provided photographs of both the visitor and bay number permits. She still received letters requesting payment which rightly or wrongly i told her to ignore as i believed we have the proof that she had permission to park there. She has now received a letter from Gladstones Solicitors stating 'Letter Before Claim' The initial ticket was for £100 which increased to £149 and the latest letter states £160 My daughter has never responded to the letters in respect of this ticket by my advice as i gave her permission to park there. Should i or her respond to the 'Letter Before Claim' or ignore it? Any advice would be gratefully received

I had a car accident in December 2016 and a solicitor e-mailed me and started work in January 2017 but hasn't done much. I didn't realise but another solicitor seems to have started work on this case in May 2017 and have done a lot more than the first. I hadn't even realised that this second solicitor was different and have just answered them (all done on e-mail) and gone to the physiotherapy and psychotherapist organised by them. The first one has now been back in touch and its just clicked that there are 2 doing the same case. Please can anyone give me advice on what to do. Thanks so much.

Hi all, I been ignoring few letters (stupidly I searched on googles about ignoring private car park parking charge and believed it ) for a parking charge issued on 03/05/17 at location West Gate Plaza West Bromwich, Moor Street, B70 7AD by Parking and Property Management LTD and recently I received Letter before Claim from Gladstones stating I own a debt of £160. First corresponding letter was from Parking and Property Management LTD dated on 07/06/17 and it was already a 'reminder notice letter', however i was not aware and the person who was driving the car at that time are not aware he was charged before this letter was received. The 'so call edvidences images' first picture was taken at 09:02pm and second picture was at 10:14pm, it also stated the they issued the ticket at 10:11pm. However the second picture show the car was turned on with lights on and the driver told me he had a kid in the car at that time and there were some accident, thats why he exceeded the 1 hour maxium time period. The signage for the car park is next to the shop signage above the car and one more signage is nextdoor shop also next to the shop signage on the right hand side. And it was at night time, it wasn't clear enough to read. 2nd letter was from Gladstones as Final reminder letter dated on 17/07/17, asking for £160, stating if I dont pay they are instructed to issue legal proceeding against me in the county court. And the lastest 3rd letter from Gladstones as Letter before Claim with a deadline of 14 days to respond of pay and the letter was dated on 31/07/17, but I was on holiday so I missed their dealine anyway. Stating they act on behalf the claimant and have now been instructed to commence legal action against me to recover the debts i own. But should I response to them now or no? As I feel it might end up bad if I keep ignoring them and I got confused with all those technical wording. I have not contact any of them or reply them so far. Kindly request helps! Thank you. P.S i can't seem to upload any images?

I have 8 debts I'm trying to settle. 3 are held with restons but originally were with arrow & I think they own it. I've come to an agreement with all the other agencies to settle the debts but restons will not take an offer. They've caused me the most stress & keep going back to court to try to increase my monthly payment of the CCJs. I'm wondering is it possible to go back to arrow to try to negotiate a settlement? The others have all been very understanding & helpful but not so with these guys. Any advice much appreciated

received c/c summons from lowells via n/Hampton indicated that didn't have any knowledge of debt and would defend on line n/Hampton acknowledged . this am a letter from Lowell solicitors Form N 190 already filled in just requiring my sig , they did also state that court would be in touch ive heard it all now or is this the norm. have sec 77 lowels no reply as yet

Hi All submitted SAR for Vanquis CC debt on 19th July 2017. Have received a reply dated 2nd August 2017. It says receipt of my letter confirmed and apologies for delay in response. Letter then states 'A request has been sent to the original creditor for a copy of the agreement and statement of account. These will be forwarded upon receipt.' Further advises 'The above details relate to an account opened in September 2007. Last payment was made to the original creditor on 26th August 2011. Please see below for a list of transactions.' There then follows a list of shops names with transaction 1, transaction 2 etc typed next to them. No monetary amounts just shop names. Letter ends with statement 'We have suspended action on the account to allow for the original creditor to provide us with the requested information. If you wish to speak to a member of our staff please call etc etc.' Can anyone advise: 1. Will Vanquis provide the information? 2. What if anything should I do now? Any help greatly apprfeciated. cheers Steve

I have an old tenant who has taken me to court for not protecting a deposit. I didnt get a deposit but it was so long ago I put my foot in it by protecting a non-existent deposit, thats another story. Short story is that we agreed on an amount to settle this before tenant left, all in writing on email. I sent over part payment and then part of the agreement was to send over the rest of the payment on satisfactory return of property. In this time I then went back to UK and found old contract showing nil deposit and old bank statements with no deposit received. At this point I was at the stage of well I had already agreed on this amount, saying yes I would give deposit back, so I had shot myself in the foot. the property was left in an awful state, £5k later to sort it out, I sent letter, on 7th May saying what you gonna do and no reply, I didnt give the rest of settlement as I was waiting for her to get back to me. No call and then I get court papers, They started on 10th May, she moved out at end of April. I received all these court papers for a claim of 3 times deposit. I asked them why didnt they call or speak to me before doing all this and they insisted that I hadnt made any effort to settle???? I send a without prejudice offer of twice deposit, they have now sent a part 36 offer of the same amount and have asked that I pay all costs, £1700 costs??? and then 2 timed deposit...... Other issues, I want to throw case out, I havent got a deposit, I want to counterclaim but where do I stand with this offer, surely they should have at least tried to contact me, the costs are alomst twice my offer???? What can I do about the costs?? I am out of UK and would rather settle as this is a headache I dont need. I cant even go on about my other personal issues they are a nightmare, just bad timing....