A tenant is taking me to court for non protection of deposit. I was never given a deposit so I am not too worried about it, although I stupidly filed it late thinking I had. Anyway its Part 8 claim. She has left with over £5,000 of damage can I counterclaim on via this acknowledgement, it doesnt make it clear I can?

Hi, Looking for help and advice. Some years ago I took out a credit card in store with Sygma Banks UK. (guessing around 7 years ago) Having fallen on hard times due to chronic depression and anxiety attacks I was retired from work on ill health grounds about 5 years ago and came to an arrangement with Sygma to pay £5 pm. The Account was then sold to Moorcroft Group and then on to Lowells. I maintained the repayment until just over 3 years ago and have paid nothing since. The balance listed is £1235. Apart from the occasional letter asking me to get in touch and a heap of telephone calls which I haven't answered (number now blocked) I have heard nothing from them until recently and I have now received a letter of claim from Lowell Solicitors stating that unless I contact them or make arrangements to pay within the next 14 days, a claim will be made against me in the County Court Bulk Centre without further notice incurring extra fees such as interest and costs. My credit file is clear except for a closed account for Lowell which will be 6 years old in November this year. The original agreement wasn't signed at the point of sale as I remember them sending me another form though the post a few weeks later to sign. I can't remember any further details though. I'm pretty sure the original application was ticked to have PPI insurance although it wasn't taken up on the agreement form. I mention this due to my ongoing illness in case it might be relevant. The only paperwork I have now is the letters from Lowells. I don't have the money to pay it although in full. If it's at all possible I would like to protect my credit file. I was thinking of just setting up a standing order of £5pm which was the original payment plan and ignoring their letter. Is that likely to stop court action. If protecting my credit file is not possible then I'm thinking of ignoring them and taking the CCJ on the chin and waiting for 6 years until it expires. Any advice on how to proceed would be very welcome. Thank you in anticipation.

Hi I hope you are all doing well Can someone please assist me in ensuring I am proceeding correctly to defend the below Claim from Lowell Solicitors. The claim is probably about 10 years old.. possibly more. Its that old that I dont remember when it was taken out so I thought that would mean it was statute barred but I guess not judging by this.. I have logged onto MCOL and ack that I will defend in full. I will also send a 31:14 to lowell to Lowell Solicitors in the next few days. Lowell Portfolio LTD are listed as claimant though so would I also send them a CCA request? Thanks in Advance What is the claim for? 1. The defendant entered into a consumer credit act 1974 regulated agreement with Capital one under account reference 54xxxxxxxxxxxxxx (‘the agreement) 2. The defendant failed to maintain the required payments and a fault notice was served and not complied with. 3. The agreement was later assigned to the claimant on 31/06/2013 and notice given to the defendant. 4. Despite repeated requests for payment, the sum of £1569.25 remains due and outstanding and the claimant claims a) The sum of £1569.25 b) Interest pursuant to s69 county courts 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 £0.328, but limited to one year, being £125.54 c) Costs What is the value of the claim?£1694.79 plus £105 court fees and £80 legal representative fee = £1879.79 Has the claimant included section 69 interest(8%)within the total claim or is it shown separate within the Particulars but not added to the debt? Yes, within the total claim Is the claim for a current or credit/loan account or mobile phone account?Credit card When did you enter into the original agreement before or after 2007? 07/2003 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 has issued the claim- Lowell Solicitors Were you aware the account had been assigned? Not that I recall – Did you receive a Notice of Assignment?Unsure as this was a long time ago Did you receive a Default Notice from the original creditor? Unsure but CRA defaulted in 01/2008 Have you been receiving statutory notices headed “Notice of Default sums”at least once a year? I don’t recall Why did you cease payments: Lost my job - 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 plan ? I did in the beginning but couldn’t keep up with the payments

Hi, I have a debt for £3,565.00 from a catalogue. On October 2015 I sent Moorcroft a CCA request. They wrote back saying collection activity has been put on hold and they will not seek to enforce payment of this debt until the documentation has been supplied. It went quiet for a while then I received a few random and occasional letters from the catalogue company themselves then I received a letter in December 2016 saying the debt had been sold to Cabot who have sent a few letters. Ive now received a solicitors letter from Mortimer Clarke saying if I don't pay within 14 days from 24/4/ they will start court proceedings. Should I just send them a copy of the letter Moorcroft sent me saying I'm still waiting on the CCA request? Thanks, Puddleboots

Hi, Went to a wedding last year? I honestly cannot even remember how long ago it was. There was insufficient parking space at the venue and my vehicle was parked in an empty cash and carry car park just down the road. We did not see any signs/ information informing me this was private property/ charges etc. I have attached a google street-view image of the area in question - the signage is very small and I can confirm on the day - a vehicle was parked in front of the sign - big enough that myself and 4 other members of my family walked straight past it and did not notice it. The vehicle was parked approximately where the silver car is in the image. I received a parking charge notice on return to the vehicle and numerous parking charge notices via mail - I followed advise from a basic google search which advised to ignore. I now realise this was a mistake. Received the following letter through the post today. I have stupidly thrown away all previous correspondence and cannot even remember the date of the incident. Am I outside of the period in which to appeal? What action would you advise? Many thanks in advance

Good Evening all, I was wondering if someone could help me with an issue I have about a Barclaycard that I opened in 2005. I build up a balance of around £4000 but paid it off in full in March 2012, I have clear evidence of this as I kept most of the statements and you see the balance goes form £4000 to £0000 (although the statements do not say payment received). I also have 22 following months statements with a balance of £0000. I did not use the account after I paid it off (cut up the card) and after receiving nearly 2 years of statements, they suddenly stopped and I thought the account had closed. I also have a noodle credit report from 2014 that mentions nothing of this account (again proving the account was not in default) Any way in October 2016 I received a letter from Barclaycard saying they had closed this account and transferred it to a company called Asset Link capital with a balance of £4200. I though this must be a mistake and ignored it. I have since received letters from Link demanding payment in full and the latest letter has even threatened solicitors (Mercers Kearns ) action within 14 days. I have checked my most recent noodle credit report and this alleged debt does now appear, so Barclaycard must have backdated my credit report reporting it as default from Feb 2012 (please note it does not appear on the 2014 report), I am worried like hell that I am now going to be taken to court for a debt that has been paid off once (2012). How is it now that 5 years later banks/debt collection agencies can be hasting/threatening legal action for a debt they seem to have made up. There must be some kind of criminal actions going on here. Would there be anyone in the CAG community that can help/advise me with a template letter to send, I am not sure where I start and how I explain all of this or indeed who to report it to. Please please please someone help this worried persecuted human being who has very little money and even less knowledge on how best to tackle these criminals :-(:-(:-(

I've lurked here for many months and gained lots of useful advice. Many Thanks. I've joined ready for what may be the next step.... I've taken up the cudgels for my partners who is being harassed by Lowells Pariahs for an old £400 Provident debt she was saddled with by her ex partner. On my advice, she ignored months of Lowell Portfolio threatograms and discount offers to settle, then they wheeled out Lowells Solicitors, whom I imagine to be another minimum wage otherwise unemployable sat at an adjacent desk! I suspect they are cranking up as it appears to become statute barred in September. When they got serious. I CCA'd them on 3 March. They replied on the 11th, putting things on hold, refusing to supply commercially sensitive assignment details and seemingly awarding themselves time over the 12+2 to produce the other. They wrote 29th March enclosing Statement of account which is a poor Excel anyone could have done. Stated they were still waiting original agreement. Reading all useful advice, I now plan to do nothing. Is that correct? Also what can we expect now and how to deal with it. Have they failed the 12+2? Interested to hear. Many thanks.

Hi I have received a county court claim from Lowel solicitors for a aqua credit card that i took out 2 years ago. I don't have much idea what to do now. I have read a little on here but do not understand. Do I first go onto the county court website and say that I am defending the claim. Do I send a CCA letter of some sort to Lowel solicitors or to the original Aqua credit card I took out. County court issue date 12 April 2017 Signed Lowell solicitors The agreement was later signed to the claimant on 21.7.16

Hi guys, Received a N1 today from the country court business centre issued on the 13th of April The claimant is Lowell Portfolio L LTD and Lowell Solicitors Limited On the letter it states the Particulars of Claim which are as follows, 1) The Defendant entered into an agreement with O2 (UK) LTD under account reference XXXXXX ('The Agreement') 2) The Defendant failed to maintain the required payments and the service was terminated. 3) The Agreement was later assigned to the Claimant on 30/09/2014 and notice was given to the Defendant 4) Despite repeated requests for payment the sum of £781.37 remains due and outstanding and the claimant costs. a) The said sum of £781.37 b) Interested pursuant to s69 county courts 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 £0.0171, but limited to one year, being £62.61 c) Costs It is signed Lowell Solicitors Limited Total amount with court costs and legal fees £973.88 Where do i stand with this? what is my first step as I admit I have previous debts from 5+ years ago but I do not recall this one and I've had no other letters of Lowells regarding it

Hi everyone, it's been a while since I've been here. I'm dealing with the above for a family member. I have already acknowledged service on MCOL and ticked defend all. Am I correct in thinking the next steps are CCA to Cap One and CPR31.14 to the solicitor? Do I need to SAR anyone? Name of the Claimant ? Lowell Portfolio Ltd Date of issue – 07 April 2017 What is the claim for – 1. THe defendant entered into a Consumer Credit Act 1974 agreement with Capital One under account reference xxxxxxx (the agreement) 2. The defendant failed to maintain the required payments and a default notice was served and not complied with. 3. The agreement was later assigned to the claimant on 26/09/2013 and notice given to the defendant. 4. Despite repeated requests for payment the sum of £3xx.xx remains due and outstanding And the claimant claims a. The said sum of £3xx.xx B. Interest pursuant to s69 County Courts 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 £0.076, but limited to one year, being £27.xx C. Costs What is the value of the claim? £46x.xx 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? I am unsure of this. 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. Lowell Portfolio ltd Were you aware the account had been assigned did you receive a Notice of Assignment? No notice of assignment was received Did you receive a Default Notice from the original creditor? Family member doesn't recall Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? One was received a few months ago but none prior to that Why did you cease payments? He was made redundant from his job and was struggling with a few debts he had at the time What was the date of your last payment? Sime time in 2011 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? No Thanks in advance

Hi Petroholic, http://www.consumeractiongroup.co.uk/forum/showthread.php?466036-PPM-PCN-claim-form-from-Gladstones-Solicitors-received&p=5014823#post5014823 Hope you are well. I just wondered if you had your court appearance yet and if so, how did it go against gladstones. I have received similar letter from gladstones few days ago. As with your case, there was no NTK and no PCN on the car, only letters from Debt recovery plus last August asking for the fine to be paid, which i ignored as other forums indicated that was best call of action.

Good evening a couple of weeks ago I received court forms from Nottingham regarding CABOT. I have had a terrible time with this company, 3 times writing to ask for the creditors original signed credit agreement to no avail. I put a defence in to the money online tool (no idea what Im doing really) and stated that this company had harassed me (calls at work etc) and not supplied me with the credit agreement etc. Ive now received a letter from a company called Restons solicitors telling me my defence wont hold water and that I have 14 days to sort it Letter dated 28th March Ive been very ill since Friday so done nothing yet. Could someone please advise me as Ive no idea who Restons are or if they are real Thanking you in advance

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. There's also no date for when the agreement was taken out, nor is there a signature (I'm unsure if this is required or not). Would I be right in thinking that a reconstituted CCA is only valid for debts after a certain date? I would be grateful if someone could take a look at the attached PDF to see if what I received meets the requirements of a CCA request and if not, what do I do next? 2017-03-07_12-43.pdf

I was repossessed by Halifax with a shortfall of 30k. I agreed a standing order with Henderson booth Snell Manchester. They kept collecting monthly payments and a lump sum of 5k. Then the collections stopped some years ago. Yesterday Dryden Fairfax called and said I still have an outstanding debt of 28k. Do I engage with Drydens or just tell them to refer to Henderson Booth who by the way I haven't been able to contact for a couple of year. Please help. Many thanks.

Hey, I haven't posted on here in a long time but I have just received a Claim Form from Lowell Solicitors on behalf of Provident. I used to work in litigation, but that was 7+ years ago (unqualified legal assistant), so whilst I am familiar with small claims and county court processes, I am a little rusty all the same, so I hope to get some information from people in the know... The date of issue is 31/01 I have filed AOS I am calculating the date for the defence to be by 04/03. I have made a CCA request to Lowell Plus I have made a CPR 31.14 request to Lowell Solicitors The part that I need help with if is... I don't really know how to defend my claim. Do I just hope that they cannot find the agreement, unable to provide a legible copy, or there is an issue with the contents etc? If I remember rightly then this loan dates back to 2010/11 - in which case it might be statue barred? I have made a payment to them in almost the same amount of time. I will need a copy of the agreement to see what date is on it. Is there anything else I should do or be aware of? I stopped paying because I was struggling with my mental health; I received a bi-polar diagnosis whilst battling other health issues - so I just lost all touch with reality for a while. Thanks in advance! M

Hi, I will try to keep this brief, have received county court claim from Lowells for credit card, I have already acknowledged service with intention to defend, sent CPR18 and CCA request but not submitted defence yet still have 2 weeks for that, what I need advice on is regarding the letter I have had back from Lowells as this could affect the defence I put in. They have not as yet produced any documentation that has been asked for and have said I am not entitled to deed of assignment as this is confidential, but below is what they say regarding the account and I paraphrase. The account was opened in 2007. The address they give for where it was opened I did not actually live there until 2009!!, would this have any relevance for defence I can prove that point? The last payment on account was in 2012, however I know that the credit card company took the money out of my account and as I did not recognise the activity on my account because the d/d mandate was so old, my bank recalled the payment and put back in to my account, my question is and this is important, does this constitute a payment as if not it would be SB They also said a default was registered on my credit file in 2012, obviously I have my credit files from all agencies (yes I am that anal lol) but there is no default at all from that date, the only one on there is one put on by Lowells not the cc company in 2014. Any thoughts on this would be really appreciated

I have asked for new solicitors to represent my mum because we do not feel that her current solicitor is doing a very good job. Her new solicitor has told her that she needs to give her authority for the file from the previous solicitor to be giving to her, is this correct? Paul

Hi, I would be thankful of some advice please. In 2012 I defaulted on a Studio account and my debt was sent to a debt collection agency/solicitor dept due to low earnings due to illness a £10 a month payment plan was set up, this went without fault for nearly 3 years and I used to make payment by phoning up every month and paying via debit card over the phone. The company name I used to pay the £10 a month to now escapes me however for the final month I phoned up to pay there was an answer phone message stating that the company no longer operated due to being removed from some kind of authority to practice in the collection for debts, I forget the exact terminology but when I googled the company it seems they had been struck off for some kind of illegal practices. There was a phone number of a company that were now dealing with this struck off companies affairs and when I contacted them they could not find a record of my debt on their system and advised me to speak to the original creditor, I called Studio to ask them for information regarding the outstanding debt and was told the debt had been sold and they no longer had any recourse on the funds that were owed. I felt I was going round in circles and could not do any more so I forgot about the debt assuming when somebody wanted the money they would write to me. In November of last year (2 months ago) I received a letter from Restons solicitors demanding the full balance of a little over £600 by way of a "letter before action" I called them immediately and explained the situation regarding the struck off company and the payment plan I had in place and was told if I wanted to set up the same payment plan I had to complete an expenditure form on their website to show affordability which I did just before Christmas. I expect to receive some kind of response when they had analysed it but not the response I did get: Today I have received a claim pack from Northampton county court, This is new to me and after a bit of research I figure this is the start of a CCJ they want to get put on me. Now I have a few questions. Firstly how do I resolve it at this stage so I dont get a CCJ, Its only for a relatively small figure inc fees a total of £800 and if possible I dont want to get a CCJ for this amount, I have read if I pay the balance within 30 days It does not get recorded on my credit file, is this 30 days from the date on the claim form or from date of judgement against me? I have tried calling Restons to get some answers as to why they did this, however i get through to an answerphone message that states they will call me back but they havnt yet and Id like to be informed of my next moves before I do actually get to speak to them, thank you in advance for any help. I would like to add on the claim form it shows Cabot as purchasing the debt in march 2016 yet the first I heard about this was November from Restons, Cabot had not even wrote to me to try and get a payment plan set up.

today received a letter from lowells Solicitors regarding an outstanding debt to orange I received on prior to Xmas and asked them to supply me with the following Contract/Agreement Statement of Account showing details and dates of debits and credits including payments, interest and charges to the account and the current amount outstanding; Copy of Default notice, copy of formal demand; and where the debt has been sold, copies of letters from original creditor stating that, plus letters from current creditor stating that the reply is as follow , As this is a telecommunication account it is not regulated under the consumer credit act1974 therefore the original creditor is not obliged to provide you with a copy of the agreement. The default notice would have been sent to your address at the revelant time .We have requested a copy of the account statment and will forward this to you upon receipt . We can confirm that the account was taken out on sept 2008 with mobile number -------------- and defaulted on the 15 oct 2013 due to non payment . the last payment was made on March 4th 2013 for the amount of £220.83 .Please contact us with suitable repayment plan within 14 days to confirm your prefered method of payment and date from the options located on reverse of this letter .if no response is received a claim form may be issued incurring costs .If you do not respond to the claim we may apply for a CCJ which could impact any future credit applications mortgages or even some employment while it remains unsatified on your credit file. Questions are as follows is there a lawfull request to obtain the original agreement or are they allowed not to disclose this. Also I do not recall ever paying this amount so I will be checking with my bank to verify this . Am I allowed to have the requested items I did ask for. Anyone posssible to help out on this one please. Thanks

Name of the Claimant ? ME III Limited Date of issue – 12 Dec 2016. What is the claim for – 1.By an agreement between WELCOME FINANCE SERVICES LTD & the Defendant on or around 21/11/08 ('the Agreement') WELCOME FINANCIAL SERVICES LTD agreed to loan the Defendant monies. The defendant did not pay the instalments as they fell due & the Agreement was terminated. The Agreement was assigned to the claimant. 2.THE CLAIMANT THEREFORE CLAIMS 5930.89 What is the value of the claim? £6440.89 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? Unsure, I think is was around or before 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. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Possibly, but I have no recollection. Did you receive a Default Notice from the original creditor? Again I don't know for certain. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Don't think so. Why did you cease payments? F ell into difficulties when losing my job in 2008, the payment demands were unreasonable, c harges were being added to the account at an alarming level (£10 for a letter/visit etc.) and after severel doorstep visits, I decided to just accept a default on my file and see what happened. A lot of what is claimed is charges, the original loan I think was £2000. What was the date of your last payment? Don't know, could possible be more than 6 years ago, I've asked for a full statement of the account. Was there a dispute with the original creditor that remains unresolved? Haven't heard dirct from Welcome in many years. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No Hi, I have read up on other cases and have already sent off the various requests for documents, and completed the online form stating I intend to defend all. But I may need further help. The particulars are as below. This is a very old debt that has dropped off my credit file, and I thought it had disappeared, to be fair I forgot about it. I received a reply from my CPR request today (30th Dec) as below. We acknowledge your request for documentation pursuant to CPR 31.14. We confirm our client is willing to agree to the extension of 28 days, for you to file your defence. Pursuant to CPR 15.5(2) please notify the court in writing of the agreement. CPR 31.14 relates to a right to inspect a document and can be distinguished from standard disclosure of evidence during the course of proceedings. We believe that you may have already "inspected" the documents to which you make reference because on various dates in the past they would have been sent to you by another party such as the original creditor. We confirm that we have requested documents from the original creditor and will forward these to you upon receipt. The account will remain on hold in the meantime. Any advice on how to play this out would be very much apprecaited.

Hi again guys, been having great success so far with these debts (will try to find a link my other post which is about over a year old to give you some context) So the quick back story Lowell owned the debt, bpo was acting on their behalf sent a CCA request bpo passed it back to lowell after not responding, lowell have then ask their legal team (phahaha) lowell solicitors to start court proceeding, rang them for abit of fun informed them that no cca has been sent, they have now supplied me with the request but it is unreadable (will update this post with a picture when I can) Because it is unreadable is it enforceable? It's crazy blurry you have to guess what words say I am also going to start a complaint as they have passed the debt on that was in dispute (no acknowledgement of the debt what so ever) In fact blurry is a bad way to describe it, you can read the larger letters but the smaller print (90% of the page) looks like it been written in a ink cartridge fountain pen on a piece of kitchen roll Edit: I would rather not just ignore it as it is very close to becoming statue barred (a few months) and would rather stall them with some paper work then having to do all of the paper work for a court defence I found this template on another site but I only trust this site for accurate advice what do you guys reckon? Dear Sir, Thank you for the reply to my letter dated XX/XX.XXXX. Having taken the time to look over the documents supplied in response to my statutory request made under the Consumer Credit Act 1974, I have the following concerns The document entitled “credit card agreement regulated by the Consumer Credit Act 1974” which appears to bear my signature fails to comply with the requirements of the Consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983 (SI 1983/1557). In particular section 2 of the Regulations As you will be no doubt aware, the Copy Document Regulations requires that documents are easily legible and clearly the terms of the agreement are not easily legible, infact far from it. Many of the terms are blurred and cannot be interpreted and I am further unable to make out the prescribed terms as required by schedule 6 column 2 of the Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553). After taking advice on this matter, I am of the belief that this agreement that you have presented before me, as it stands would be unenforceable even by court order. Therefore, I require that you provide me a clearly legible copy of the agreement, where all the terms are clearly legible Should you not be able to supply a clearly legible copy, I would suggest that you give consideration to cancelling this account and reducing the balance to zero. Of course the alternative would be to seek a declaration of my rights under Section 142(1) of the Consumer Credit Act 1974. am advised that with the documents that you have supplied there would be an extremely good prospect of success with such a declaration, however, I am mindful of additional costs that such action could incur both on my part and on yours so I trust you will give consideration to this request Yours Sincerely

Hi, not sure whether this is the right forum. I'm sorting an old catalogue debt out for my son as I've done a few of mine in the past. I've sent off a CPR request to Restons solicitors, I didn't sign the letter just typed his name on the letter. This morning they have sent it back to me stating that as it has no signature and therefore they will not correspond and to resend the letter with a signature otherwise they will not acknowledge it nor provide any response. Never came across this before so do I just ignore it? Thanks

Hi All, I'm looking to get some advice on my next move as I can't seem to find the answer easily online and fed up of spending time on the phone to NCCBC and being on hold.... on the 03/10/2016 I received a Claim form dated 29/09/2016 from Lowell Solicitors claiming I owe Lowell Portfolio for an old Vanquis debt. AOS with defend in full duly filed 18/10/2016 12/10/2016 CCA letter sent to Lowell portfolio..... as of yet not response. 12/10/2016 CPA and CCA sent to Lowell Solicitors, Lowell confirmed receipt of request on 21/10/2016 Nothing heard from Lowell Portfolio or Lowell solicitors by 30/10/2016 a defence of no paperwork/CCA etc was filed on 30/10/2016 and received 31/10/2016 on the MCOL website. Now my question is what to do next as I have not received anything from NCCBC or Claimant in regards to allocation questionnaires etc etc and over 28 days have passed since filing my defence. Any help/advice would be greatly appreciated Thanks

Hello I wonder if someone can give me advice please on how to proceed, I have likely done the wrong thing already. My bank of Scotland credit card was sold on to Cabot who I was paying £5 a month to (all I can afford) I stopped paying a while ago when even that payment got to much due to post op recovery and sick pay. Now it has been passed to nolans law and they are threatening court action. I have emailed them to offer the original agreement of £5 just to get them off my back as I'm scared about a ccj but I'm worried they will decline this offer and take me to court. I know the debt is valid. I know it was sold on and it is on my credit file as satisfied. I am not sure of the best course of action?

Hey, I've left this for far too long... I had a letter from the crs and other debt collectors about paying them back £241.34. This started happening when I cancelled my gym membership through direct debit. I cancelled my membership around June / July and only did 4 months with them? I think. I missed my 1 month before and they took money out when i had money available in my bank since I normally get paid in cash where I was working. I missed another month of the monthly payment so I just decided to cancel my membership, thinking that I didn't really need to worry about anything. Next thing I know, i'm getting charged huge amounts! :/ One of my friends told me just to completely ignore what's coming my way that involves the debt collection for the gym. Since it has worked for them, and so has another friend, apparently. I'm getting worried now... I had a letter from spratt Solicitors saying that I need to owe, blah blah blah, It's pretty much the same letter as the other people that are in my situation have gotten, but I think my scenario is worse because I wasn't responsible enough and just left this to time. The letter was posted around the 3rd Nov but I didn't read it a couple days after since I've gotten Uni and my parents opened the letter but didn't get involved since it wasn't their mess and gave me a right telling off (Asian parents). Now is the 20th... What do I Do with everything?? Please help, urgent :/ Sorry for being a kid. I'm 19 and go to Manchester Metropolitan University. Thanks, Westin