Hello all, I'm here to ask for a bit of help, My uncle recommended you guys, so I hope you can help. When I got home today I had a letter through the door (11/12/2014) from County Court Business Centre. below is the information i believe you require, now if im correct, i think there may be a mix up. as its dated 26th november 2014. Name of the Claimant ? Lowell Portfolio Limited Date of issue – . 26th November 2014 What is the claim for – "THIS CLAIM IS FOR 381.34, THE AMOUNT DUE UNDER AN AGREEMENT BETWEEN THE ORIGINAL CREDITOR AND THE DEFENDENT TO PROVIDE FINANCE AND / OR SERVICES AND/ OR GOODS. THIS DEBT WAS ASSIGNED TO / PURCHASHED BY Lowell Portfolio I Ltd, ON 07/03/2013 AND NOTICE SERVED PUSUANT TO THE LAW OF PROPERTY ACT 1925. PARTICULARS: RE- O2 (UK) Ltd A/C NO .......*** , AND THE CLAIMENT CLAIMS 381.34 THE CLAIMENT ALSO CLAIMS STATUTORY interest PURSUANT TO S.69 OF THE COUNTY ACT 984 AT A RATE OF 8% PER ANNUM FROM THE DATE OF ASSIGNMENT OF THE AGREEMENT TO DATE BUT LIMITED TO A MAXIMUM OF ONE YEAR AND A MAXIMUM OF 1000 AMOUNTING TO 30.51 "£381.34 for debt of phone contract " What is the value of the claim? 381.34 Is the claim for a current or credit/loan account or mobile phone account? Mobile (O2) 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 Purchasher (Lowell) Were you aware the account had been assigned – did you receive a Notice of Assignment? "Not that im aware of" Did you receive a Default Notice from the original creditor? Not that im aware of Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? "Not That Im aware of" Why did you cease payments? "I had Lost my job, I remember phoning them asking if i could send the phone back and they said no, and i had informed them that i was not able to pay it." What was the date of your last payment? back in 2010 Was there a dispute with the original creditor that remains unresolved? "only what i had said above" Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? "No as they wouldnt let me because I had no income at the time" also total ammount including court fee + solicitors fee is £496.85. Please could someone try and help based on the information i have tried to provide. I hope its enough, but whats worrying me is that it dated the 26th november and it only came today. if you have any more questions or if you could help me with the next steps that would be great and i would be so thankful. Regards. Dan

Hi everybody, this is incredibly urgent and i'm getting no help from AQUA, I got a Credit Card from them a month ago, and i transferred £800 over not realizing you're not really suppose to, and after some research some peoples accounts have been locked because of this. Now I have no money at all to feed myself or even get to work!! and they're saying my card is being held in a queue to be reviewed at "Head Office" and they're acting as if this isn't a problem for me. It was transfered from a bank account in my name, it's so stupid. Has anyone got a number for there "Head office"?? I'm so desperate for some help please!

Hi, I am really hoping someone may be able to help me understand what I should be doing. I'll try and be concise ... I currently have 5 local authority PCNS that have now gone to the bailiffs at a cost of £187 each (originally £35) + the threatened bailiff charge of £235 on top should they call. Early in the year I was diagnosed with acute depression and anxiety by my GP brought on by a combination of events , some of which are still continuing today, that ultimately ended up with me being signed off work and eventually having to resign. I don't dispute the fact that these tickets were given for genuine reasons. The problem I have/had is that I wasn't able to manage my affairs during this period and, in turn, did not make representations within the allocated time. I have contacted the council since and explained my predicament and even offered a token payment but they simply say it is beyond their remit now. I tried to explain that when applying for housing benefit, after losing my job, I was able to backdate my claim for the same very reason that I haven't been able to address these PCNS, because I wasn't able to manage my affairs - this is an actual example the council use on their HB forms as to why a person would be able to successfully backdate their claim. They did not really advise me what I could do and then the next thing is that the bailiffs' letters start arriving. If anyone could advise it would be much appreciated as I really don't need this! Thanks

Hiya, Asking on behalf of my dad, Yesterday he received a notice of enforcement from the Tax Office for a total bill of £13,500 ( was originally £8500 but interest has been added ) The bill originated after he was given a redundancy package from the AA a few years ago, the AA calculated his tax deductions wrong and was only discovered from the tax office a few years later - obviously my dad was unaware but is ultimately responsible etc They have not been able to pay it back because my mum has been off work for the last 3 years ( she has been signed off with severe anxiety - has medical certificates etc ) and my dad has become a driving instructor which is not resulting in him earning enough They do not have anything of significant value other than the house - they do not own a car etc Does the vulnerable person still apply here? They have informed the tax office they will be selling the house and have started the steps to put it on the market but they have been told this is not acceptable as it could take years to sell They spoke to them last week and came to an agreement over the phone that they will take 3 weeks to look at it and come up with a plan for them which the tax office accepted but have now sent the letter - they said on the phone yesterday that they could see it was agreed in the notes on file but they changed there minds They have said if an agreement of paying it all in 3 months was agreed they could do that but that is virtually impossible Both have been up all night and my mum has been physically sick with worry- as I say she already suffers from anxiety so this really is not helping Between me and my brother we are able to offer to pay £1000 a month for the next 3 or 4 months, do you think they will accept an offer like that? At least will give some time to sort something more concrete out But its more stopping the bailiff action especially as my mum is a vulnerable person On the letter it does not show the enforcement agents the Tax Office Use- do they use there own? So have no idea who to contact Is it best to do on phone or in writing to them? Many thanks

I'm not really sure where I stand with this and really could do with some advice having read some of the many posts on advantage fifinance nothing is precisely like my situation. I took out finance with Advantage in July. A week later with the car I received a welcome call and confirmed with the advisor that I wished to have the 2nd of every month as my billing date. This was never put in place. When the next payment defaulted as there was no funds in my account on 16th July Advantage were quite hasty in texting me saying the vehicle May be repossessed. I contacted them to make a payment and then requested the billing date changed to the second of every month again, they had no recollection of the initial request ever being made. During this time I hastily had to move from my address due to falling out with aggressive situation there. I had updated the v5 but in all honesty didn't think on the finance company. I had to move to a privately rented accommodation and incurred bond and first rent payments which made finances tight. Consequently I had missed September and October's payments. While working away I had an email from their accounts manager stating I needed to contact urgently. I emailed back directly stating I was currently away with work but could I be emailed the outstanding arrears to resolve my account. Then had an email back the following day saying thank you for your email and a number. I was at the time unable to call. The following day from that I was at my work address when security came and said there was a gentleman outside to speak to me, a rare occurrence, this turned out to be a repo man collecting the car on behalf of advantage. I declined to speak to him at work, 1 not knowing who he was and because I hadn't heard from advantage. The repo man had barricaded my car in and was refusing to leave, when speaking to him again I said I was finishing work shortly and would be open to meeting him at home following conversation with Advantage. He handed me a phone with someone from advantage on the other end who informed me my account had be terminated and the car would be repossessed there and then. I remained on the phone to advantage for nearly an hour explaining my recent situation and email and he advised that nothing could be done the account was terminated and the car was being repossessed. Now I have to be honest, following this exchange relented, i was driven by the repo man in my car to where I was able to empty the vehicle and following an issue of a receipt which I didn't accept the vehicle was taken. I still have a key and the v5 document and there is a possession still in the vehicle of my partners. I ring advantage feeling I had been compliant only to be told the same thing that the vehicle will not be returned and I will shortly receive a bill for outstanding credit. That's the outlay of my situation, wanted to post it up for any advice. Sorry if my description is a bit unstructured, I just needed to get it out. Is there anything I can do?

Recently I was caught shop lifting from my local Sainsbury’s store. I have NEVER done anything like this before and I am so ashamed and disgusted with myself. My life is currently a big mess financially and this was i guess a CRY for help . I am normally a very upstanding, honest and god fearing person so this was definitely my darkest moment and something I assure you will never happen again,ive learnt my LESSON I have been worrying myself sick about how it will affect my Record legally. CAN SOMEONE PLEASE HELP AND CLARIFY MY DOUBTS please ? this is what transpired : In a gist I had just stepped out OF THE STORE security guard called me back into the store and escorted me into a room and asked me to show my bags and receipts, initially i hesitated but then owned up as to how i screwed up and honestly went into panic mode I told him I'm sorry Ive never done anything like this and Please dont press charges as he hinted about alerting the police VIA WALKIE TALKIE I begged them literally, I was partially numb as I could still not fathom the fact that I did something so Stupid and told him and the manager that im really sorry and pls dont call cops and was willing to pay for the items. They did the math and items were worth £24.90 to which i said i Don't KNOW if i have enough money but ill pay for whatever i can and rest items i don't want or Ill just pay but i dont want the items. Eventually after a lot of pleading they asked if I have an Photo Id , which honestly of all days i didnt have it on me that day they asked me to fill a form where i put down my Name,address and date of birth and it bans me from their stores and mentioned some recovery policy, I signed it and one copy they kept and one was given to me. I asked them that I know I messed up and theres no excuse for it and it will never happen again and Im sorry and asked if it would have Legal repurcussions in terms of my Record ,employability also In terms of Visa paperwork as im not Local. I harped on that ,the guard assured me that its a civil matter and the form goes on their records and since police wasn't called its not legal. Although initially he was gonna call the police and I begged them not to and was trembling literally. There was a store manager ,a supervisor and the security guard in the room. Please can someone tell me what happens next as I'm terrified that they cops will come looking for me as I gave my name and home address also I didn't end up paying since i RETURNED THE ITEMS in question although before leaving i offered again and the guard just nodded in a way saying not needed. as far as visiting is concerned as requested I am never going into their store ever,i promise. PLS HELP SOMEONE

Back in 2006 tax credits lost our claim and we had to wait 4 months for them to sort it out... So after lots of phone calls and letters we got it back dated for the whole 4 months... Now they just sent a load giros which amounted to around £3000... Before we cashed them we rang to make sure they were the right amounts and they were ok to cash... They confirmed that yes it was the missed payments and under payments.. Fast forward to now... Letter from Tax credits claiming a overpayment on WTC for £450... After much head serching i pinned the amount to the giros.... Also got a letter from Advantis DCA... So I sent the standard over 6 years old statue barred letter. They rang the Mrs this morning telling her it can't be barred and she needs to get a loan or credit card to pay the amount in full... She explained that I deal with the money side and was in bed due to working late... He tried to find out how much we earn/ do we have savings etc.... The guy is ringing back at 11am to speak to me... I never deal with DCA's on the phone but after what he has said this morning I'm fuming.. Any advice/facts that I can throw at him when he rings back would be useful... In the meantime I'm going to appeal against the amount as I now understand you can't statue bar tax credits... Thanks in advance for any help.

Hi, I have a default on my file from arrow global of £955. I sent a 'Prove it' letter about 4/5months ago and they responded saying they have no information on me, that they are looking for it but in the mean time they wont pursue me for money and they are not removing the default. trouble is now i cant get any credit at all. Im thinking of paying them a sum for them to completely remove the default. how would i go about this? what sort of offer shall i make them? are they to be trusted not to chase for the remaining amount? has anyone else done this with arrow? sorry for all the questions

I have used other's student oyster card in June and now got a second letter from TFL saying that will take me to Magistrates' court in about 10 days. There was a letter in July which asked for explanation and I replied and asked for settle out of court but it seemed not to be used at all. I have 3 actions to take: 1) plead guity and not to court 2) go to court 3) plead not guilty and reset new dates. What should I choose? If I choose 3), what will be the new date? Is it possible to be after Feb next year? and will it make things worse? I mainly worry that it will affect my visa application next Feb. I can apply for IFR normally. But if I get criminal record, I don't think I can apply IFR Can I apply for extending my current tier 1 general visa in such case? Really appreciate anyone's help!

Hi I have an issue with e bay and an one line store recently and wondered if some some could help me ? I ordered an item for halloween and paid extra to get the item for next day delivery after checking they were able to do so. I waited patiently to discover halloween came and still no outfit, i had struggled to find their telephone number to contact them and was still waiting on the reply to an e mail regarding this. I hadn’t been out in 2o years so this was a very special occasion to me and I love halloween so spent far to much on this so I could have a great time. In pure desperation I was trying the internet and any where to see if I could find their telephone number but still could not find them? In desperation I called one of the 118 numbers to see if they could help not knowing latter I would find out for this one call and they still didn’t have the number it would end up costing me £15.oo and being on a benefit its all a real struggle for me. When I finally found their number out of pure luck and (I have no idea) I phoned them and they seamed nice and did try to help, but they told me that some one had left the parcel bag some where and its probably been stolen. When I asked why didn’t they e mail or call to let me know I was given excuses of were not sure who’s have gone. The only thing he was able to do was to ring his people who he gets these orders from direct so I could get it their, but it was approx 1 /2 hours away one way in Halifax. Out of pure desperation I said I would collect checking with his first that the order was correct and the size I didn’t want to go all that way and find I couldn’t get it. He said it was correct so I drove to halifax knowing I would have to be quick because tonight I was due out, it wasn’t easily either because I have a condition that leaves me in a lot of pain. When I got their I was told the size I wanted 24 wasn’t available the item only went up to size 22 and this is stated on the from of the package which was very upsetting I only went for this item because the size was 24 but it was also an extra £25.00 because of this. I didn’t know what to do so all I could do was bring it home and try it, but when I did it didn’t fit I was very angry and upset and didn’t go out due to the journey took me far longer than I wanted leaving me late in a lot of pain and the out fit didn’t fit so my whole day was ruined. I feel very cheated and lied to about the size etc.. the out fit is no good to me really halloween is gone and it cost me £65.00 with out delivery etc I paid £72.00. It has just cost me a lot of upset and money instead of the night I was looking forward too. I was going to keep it in the hope of loosing weight by next year and having it here already, because I bought lots of other items to go with it. But feel very cheated and hurt by the company. I have sent them a e mail.. which is below along with a reply but not sure my rights etc and how to handle the situation from here on in.. Can some one one help me and give me some advise. Many thanks This is a copy of the actual letter sent to the company. I am writing due to buying this above order from your company recently, After struggling to to find your telephone number I had no choice but to check directory which latter I found cost me £15.00 to do so. But after speaking to you I discovered that my parcel was one that had probably been stolen and there was no way I could receive it on time for that night. Even though I ordered it with plenty of time and checked this would be ok and paid extra for delivery. You did try and help me but to get this order I had to drive to Halifax over 2 hours to get their then back. Costing me £17.00 in Petrol money one way only £34.00 in total, which you promised to reimburse. Before I left for Halifax I double checked that the order was correct especially the size and I was promise everything was correct, yet when I got their it clearly stated that these makes only went up to size 22 not 24 as promised In the advert. Which is the only reason I payed £25.00 extra with your self rather than others so I got the bigger size so I feel very cheated, and the clothes did not fit. By now I was very upset and annoyed being so put out and having to drive such a long way and pay well above the odds for an item that I did not receive and spent far to much on. I drove home which made me very late and was upset that the item did not fit and I had no costume to wear. As I explained via phone this was going to be my first halloween party (or just going out) in over 20 years. So I was very excited and looking forward to my favourite day of the year. Instead I have suffered a lot of upset and had to stay in. Not receiving my item. £15.00 on directory phone call for your number. Cost me extra in delivery £6.00. That didn’t turn up. Spent nearly 6 hours traveling to Halifax, also made me late. Costing me £34.00 in petrol. To collect a costume that did not fit, even though I checked the sizes again and again. I could of got this costume £25.00 cheaper If I hadn’t been lied to. (false advertising) Only to have to stay in and not go out on Halloween which was very upsetting. I was upset and angry after all I had been through, I am writing to collect the petrol money you promised me but also to let you know how upset I am I believe you let me down a lot and think you should rectify the situation on what I have lost out on. Yours Faithfully, THEIR REPLY Our contact number is on the shop. We have responded to your most recent message and we will honour the promise made to you on the phone that day. Regards Hi, First of all if you read the packaging make sure you are not reading the American size as you have received the correct size as we stated in one of the messages to you. The costume is a American brand and the size on the packet is American. If you doubt this fact check the manufacturers website. We also do not understand why it has took you so long to discuss this situation with us. You have also gone over the 14 day return period and you do realise that all costumes would be checked by quality control to test if they had been used or not. We have responded appropriately and honestly to your latest message. We will honour our promise made to you on the phone that day. We pulled the stops out to rescue a situation that was outside of our control. We have never lied to you about anything, our contact number is listed on the shop and we responded to your messages and sorted you a replacement costume with one of our contacts. Our price is what it is and you are free to choose to buy from us or not. Your claim of "False Advertising" is unfounded so be careful what you say, we will not take this matter up with e bay on this occasion due to the circumstances and we do feel that you was inconvenienced with this transaction but the issue was outside of our control and we did find a solution for you. The size of the costume is as stated and that is beyond doubt and can be confirmed by the warehouse. We have already lost the first costume in the post and we have paid for your replacement. We do except that this is not your fault and as per all previous communication clearly states you were very glad that we helped you and you leave it until now to contact us over 2 weeks after your event. So please do not now create problems as we rectified the situation in the only way we could and you agreed to collect the item. We did promise to cover you for the fuel cost and we will honour that promise. We can not refund you for that through e bay but we will refund you direct to your PayPal Account. If you wish to discuss the matter sensibly please ring us on …....... or …......... and we will gladly resolve the issue with you but we will compensate you for the fuel and the £6.00 delivery charge which will be £40.00. We are not obliged to do this but we will do as we feel that you made the effort of driving to collect a costume same day that we organised for you and we did promise to help out with the cost of doing so but do not take advantage with the claim for the other cost items. We appreciate the situation as we did at the time but we have done everything possible to rectify the situation. Regards

I haven't been on here for some time - thought my debt problems were behind me but If anyone can offer some advice Id appreciate it. I will try and be concise, many years ago I was very much in debt. almost 50k. I was self employed and work was up and down, I robbed peter to pay Paul (many of you will understand this) the problem got worse until I decided to do something about it. I borrowed a substantial amount of money and set about contacting all of the creditors, All of whom were really born from Lloyds Bank - I negotiation settlements around 30-40 percent of the debts. All apart from a couple, which I only entered into because of Lloyds mailing lists - eg a AA credit card (through the post) and a loan - these two totalled around 6k - and I offered to settle with them back in 2009 like I successfully did with ALL of the other debts - it was a massive undertaking, huge suffering, which led to depression and dark times - something I have had problems with for years. They refused to settle and some years later I think reared there ugly head again, and I tried to settle again, not successfully. Id had all manner of phone calls, (changed number twice) many many many red letters, eventually to cut a long story short, 1st credit picked it up, in the last few months have attempted to get a summary judgement - I attended courts and the judge refused suggesting they had not given me the opportunity to file a proper defence. the judge suggested that there would certainly be a liability on my behalf for the debt (no costs were due but will be at the next junctre) I made an offer to settle outside of court with the firms solicitor - 30 percent of the debt - they refused, I handed the letter I wrote in 2009 to settle to show the solicitor my good intention of closure. I later rang a few days later and increased the offer two more times ( I dont have this money i would have to borrow it) they still refused to accept it. I have to file a defence tomorrow in between my very busy day and I want to know the best thing to go for.

Hi there, about 2 months ago I got on a bus using my wallet to tap, I assumed my contactless took the payment, I had my oyster but wasn't sure it had money, got on the bus no issue I didn't really take notice it beeping or anything like that. I was approached by a conductor during the journey but I couldn't find my contactless, I didn't show my oyster because I didn't think it took the payment. The conductor took my detail and said I'd get a letter and I could respond with my bank statement recording my journey. Checked my statement and nothing had been recorded, checked my oyster balance and it had sufficient funds. I responded to the letter with this info and told them I assumed my Oyster card must have had sufficient funds to pay for the journey. They responded that it hadn't and nor did it have sufficient funds to cover me and that they will notify me of their decision. Last week I received a court summons! I am a uni student about to graduate, I've got no evidence to prove I paid and don't know what to do?! I accept that no payment has been recorded and so I would be due to pay the fare and possibly a fine but I really can't afford a criminal conviction. I didn't intend not to pay, if I hadn't it was pure accident, and this would be the first time I've been so careless in not assuring my payment was acknowledged. know I could possible settle out of court by emailing the prosecution team at tfl but I don't know what to include in my letter? lease could someone assist me, my hearing is in 3 weeks and my career is about to go down the loo if I plead guilty, even if I plead not guilty I have no standing and they'll probably find me guilty anyway. All help will be much appreciated thank you!!

Hi....i have an eviction notice for thursday, halifax and drydens, i was told on saturday that i needed to pay 1500 and thereafter mortgage payment + 40....today had a call to say halifax want 1955 (+ 100 extra per month as per original court agreement)...(i had it reduced to 40)...this is 2nd eviction notice....what are chance of getting it suspended at this short notice??...arrears are 3800 total...thank you

Can anyone offer some help regarding a visit from HCEO yesterday evening. I have an unpaid water rates bill for £1214, then received a notice from the courts (without any warning from water company that it was going court) that a HCEO would be attending my property. They came last night when I was out and left a letter with my mother saying they want £1214 plus 8% interest and £932.14 enforcement stage fee. My mother's car was on my drive and as she had no proof with her that the car was hers they have listed this is goods taken into control. I have every intention of paying this debt (but not the fees) and am returning to work in a couple of weeks. I can offer them £50 per week to clear this debt but will definitely not be letting them into my home! Any advice as to my next actions would be appreciated. Should I contact the water company, What will happen if I deny HCEO entry but pay weekly direct to water company? Will they eventually give up and pass the debt back to water company?

Electricity meter reader wanted URGENT!! Have you had experience as an electricity meter reader? or Are you currently employed as an electricity meter reader? or Have you experience within the electricity industry? We urgently need the help of an experienced meter reader to give an opinion and possibly a written report on a discrepancy in the reading of a modern six digit digital meter. We also need somebody qualified within the electricity industry to carry out an independent verifiable "kettle test" at a domestic property. We will be happy to pay for this service, expenses and any written report which is produced. If you feel that you are qualified to help us – or if you know somebody else who is, please contact us urgently on our admin email address: admin@ConsumerActionGroup .co.uk please put "meter reader" in the subject line. Thank you

I need some urgent advise on this please. I filled out a JSA28 form for self cert sickness for JSA , a friend went in today to hand it in & it was refused. My signing on day is tomorrow but i became unfit to sign on on the 23/10/2014 & signed it for the full 14 days allowance, making my return date the 5/11/2014 . The JC advisor has returned the form to my friend & given me a number for the Belfast delivery center 0345-608-8545 & told him i need to deal with it through them. My friend asked for a receipt when initially handing the form in & was told they don`t issue receipts or proof of handing in. My question is, i am due to sign on tomorrow but suffering with sciatica & have followed the system of self certification, i would like to know if i will be paid & what if anything can i do .

Hi can someone help please? i have received a claim form on dated 15th september from Northhampton court, the claimant is Cabot Financial. They claim a large sum almost 4K - This one is old. Dated 1999. It does not show on my credit file at all. secondly a smaller amount of 1K which does show on my file and dated 2010. The second one was with vanquis but I dont recall an assignment letter from cabot. I'd like to defend the first on the grounds of statute barred. and the second on incorrect assignment on no proof of assignment. Am I on the right lines here and what do I need to next. I am concious that the clock is ticking to acknowledge service. Can someone give me a quick burst of advice please?? Thanks M

HOPE SOMEONE CAN help. My husband has just informed me that we are due to be evicted on 28th this month. He has been off work with depression for the last 5 months and hasn't been keeping up with a payment arrangement with the mortgage. They have just told me that this is the third eviction they have applied for but he has cleared the balance or set up arrangements before to stop them. They are not willing to make any further arrangement and still have a possession order so unless we clear the balance of just over £4000 by tomorrow the eviction will go ahead. I need to know if theres any other option but the mortgage company say theres not. our house is adapted for my son whos serverely disabled so short term housing would be a miracle. My husbands depression seems to be getting worse, and I need to sort something to stop him worrying or burying his head in the sand. Every time he leaves home im left worrying what sort of call I may get. any advice on which way I should turn would be welcomed.

Hi I need some help. I am currently a secure council tenant with £950 arrears. My rent is currently £49 per week. I have a court date of Monday 17th November for missed payments on a suspended possession order from late last year. I need to know what amounts the arrears need to be at not to be evicted and get another suspended possession order. My arrears if I kept to payments would have been £227 by 17th November.

Hi there. I do hope someone could help with good information what to do in my situation. I received court claim almost 4 weeks ago. I submitted the AOS back on 25/9 and therefor now only got 1 more day before at least have to do defend form online. My problem was I have been very ill for last 2 weeks with flu and also going through tooth abscess so really tough times for me. But nevermind I should still have got this sorted before it went so far. I am praying someone of you could help me with some good information on how best to tackle this as I have to submit this form tonight. I will prob not have time to respond before deadline as have work all day today. But hope to respond back on anything here at forum from after 8pm uk time. The claim is as below: Claimant: CABOT FINANCIAL (UK) LIMITED Amount Claimed: 795.32 Court Fee: £60.00 Solicitors Fee: £70.00 Total amount: 925.32 The original debt was to Hitachi Capital after buying computer equipment on credit which was urgent needed at that time last year. But to keep it short I missed the first repayment which ended up in direct debit charges they added also got problems with my bank. But in total within couple months added charges of around £200 I was in dispute and was in contact regular through email pointing out they could not charge these high fees. now instead of a reasonable debt of around £600 has now gone up to £925.32 What can I do now as I know have not got time to send those letters where I can request documents from Cabot. And I also read something else around the internet about sending these forms. I am hoping to get an agreement with Cabot to pay of monthly instalments for original amount owed around £600 do you think that would be possible if I submit my defend part admission? I was thinking to submit that tonight and put information about my dispute with Hitachi Capital. But just very confused now as what can I do to help this situation apart from submit part admission? As its too late to claim back charges from Hitachi? Do I put in defend form that I wish to request cca and cpr request? As I cannot get leter sent to them in time now? Sorry for all these questions and very long thread just very upset about this. Hope someone could shine a light asap would be very much appreciated.

Baliff outside now taking a car i bought that has a log book loan on it. BOS is valid. What can i do??? update, they have no actual bill of sale on them to show me

My daughter received a notice of enforcement yesterday dated 6 October wanting £280 by next Wednesday. This relates to an old liability order and she had entered into a payment arrangement with the council whereby the original amount owed was added on to this years bill and weekly payments were to be made. This problem arose when the bank cancelled the DD in error and 2 payments have been missed. She rang the council to explain the situation and to request they take the debt back. She said she would pay the 2 arrears with next weeks payment on Monday via the post office (approx £45). She also reminded them that she was a single parent on a zero hour contract and couldn't pay what she didn't have. The council employee told her she would "try and get the debt back" and went to call Jacobs. After the call she said that they wanted £100 and the council couldn't make them change their mind. I advised that she should ring the council back and remind them that they were in charge of Jacobs and not the other way around. She followed my advice but got nowhere. She spoke to someone else who stated that Jacobs dealt with all arrears anyway (presumably without liability orders also) so it was up to them how much they could ask for. My daughter said she would not pay £100 because she didn't have it, but would bring the payment plan up to date and would pay the council direct. Later today I intend to email the council on her behalf with details of the conversations so she has a paper trail. However, I'm concerned that they're just trying to obtain more fees and will slap the next stage fees on because she won't give in to their demands. Any advice on this would be appreciated

Hello forum, I hope someone can help me as I'm feeling quite stressed about my situation. I am stressed at the lack of customer service I've received where people misquote prices and don't seem to care you have a timetable you need to stick to - they're quite happy to mess around with timings and not be accurate enough when they quote timings, they just don't care and they just want the sale. Quick bit of background and then will ask my questions. I ordered a Tamla lazy boy sofa 3 seater and a 1 seater (manual recliners) and was told 7-8 weeks for delivery. I was unaware at the time there was a free carpet offer on. The offer was only for 16sq m of carpet anyway on certain carpets. This is what I'm having issues with. To begin with it was never really made clear which carpet was actually included as 'free' but he seemed happy for me to think the £12.99 per sq m was included. This matter was cleared up on a later visit and I switched my attention to the carpet that was actually included in the offer. The sales rep seemed knowledgeable but when it came to sorting out the carpet, he quoted me something that would only have been confirmed by the guy who came to measure my front room. He had not been given any information about my order, just told to measure the front room and quoted me for the price of a £5.99 per sq m carpet. Anyway, I went back to the store in Dartford twice to decide on the carpet and was told that the carpet fitter was not aware that I had ordered a lazyboy sofa which is why his quote was different to what the store quoted. I'm still not sure I was actually quoted correctly at all. I had opted for the £9.99 per sq m carpet anyway which was included as the free carpet and had to paid the remaining balance. I even took a picture and confirmed it with the same rep as before that that was the carpet that would be delivered. He told me it was called pewter. I have since found out that pewter is not the colour I wanted. I generally don't do colour coordination or know the variations of colours but if I show you a picture and point to the actual sample I want then how can you tell me a colour is pewter when it isn't? The carpet fitter came on Saturday morning - called me at 8 am to say he'd be there in 20 mins - so I'm rushing around to get my boy out the house and left my partner to deal with the fitting. When I came back I saw that the carpet was not the colour I was expecting - I had confirmed it twice in the store, even took a photo and made sure it matched with that I told the same sales rep. as above, he wrote pewter. The problem is, and now my questions: I cannot find anything on the contract about what to do if SCS mess up and have the wrong colour carpet delivered, particularly if the carpet seems to be the £12.99 per sq m carpet not included in the deal. It has now been fitted and even my partner said to the fitters that it didn't look the right colour but they weren't going to not fit it or contact SCS to check for any mistakes. It was really early in the morning and my partner let them fit the carpet, he doesn't mind the different colour but I usually sort this stuff out. If I had been at home then would I have been able to say 'no' to the fitters and call SCS there and then? The fitters didn't seem to care about having the wrong carpet. So, I now have the wrong colour carpet. It's not a major problem but my new sofas will clash and I don't know how SCS could confirm one thing and still get it wrong. I just don't know my rights. I'm ok with a different colour carpet but I don't want to be charged any extra for their mistake if they have given me the £12.99 per sq m carpet. 1) Is there anything in law that covers me for the mistake made by SCS meaning I don't have to pay extra if they've delivered and fitted a more expensive carpet? As far as I can see if they have misquoted then they bear the loss because I have already paid them. To add, if it's not the more expensive carpet they've delivered then there really isn't a problem at all and I can just complain that it's the wrong colour and leave it at that and call them incompetent. There is nothing in the contract that I can see that covers this type of event, only matters arising from defects. 2) Is there anything in law that covers me for any mistakes made in their quotations for the carpet fitting, underlay and fixings? - I am wondering if I have been misquoted and paid more than I should have. The fitters were supposed to bring 2 gold bars for the 2 doors but they didn't. I also haven't received the rug doctor cleaning kit which I was promised. 2) I am now worried about my lazy boy sofas not being delivered on time. If delivery takes longer than 7-8 weeks what can I do about it? It seems futile to complain to head office but is there anything is law that covers me? I'm not sure what this would be exactly. 3) I don't know how long I have to inform them of the situation but need to know my rights first. They quote 72 hours for sofa delivery issues but say nothing about carpets. I want to call head office to find out their policy on this but after reading reviews of their customer service I'm not sure I will be given the right information. I will go to SCS today to sort out the rug doctor kit and the gold bars issues. I will tell them I have sought legal advice in case I have been misquoted prices and have been delivered the carpet not included in the deal. I will not be paying any money to them but will ask them to make sure that the tamla lazy boys are on track and again quote that I have sought legal advice in case they are not delivered on time. Until someone can advise me on my rights I will just let them know I am aware of mistakes they have made and will take the matter further if I get any hassle from them. I apologise my writing's all over the place but is anyone able to help me? thank you in advance

We are currently facing possible eviction, and have been given a deadline of tomorrow to either sign up to a new fixed term or be served a Section 21, delivered to our address by hand tomorrow. Currently on a Statutory Periodic Tenancy, which we wanted to stay on and landlord previously agreed to, but has since changed his mind three times and is now not allowing us to stay on it. There are various reasons that we don't wish to sign a new fixed term, which I won't go in to detail on now as it's a long story, but in a nutshell the landlord let himself in whilst I was home alone and in the shower recently due to agent not communicating to us that he had arranged with them to attend. Then rather than take his anger out on them he threatened my husband - so we are now looking for a house to buy and don't want to be tied down to this property for a fixed term. I have been trying to work out what dates they would need to put on the S21 in order to make it valid. I'm aware that landlords need only give two calendar months notice now, BUT the letting agent seems to have imposed this deadline of tomorrow and keeps referring to "tight timescales" which makes me think they are not aware of this, and are planning to use S21(4)(b) and still think they have to give two rental periods of notice. Relevant dates: Rental period starts on 6th of each month, so last day of tenancy would be 5th Section 21 likely to be served by hand tomorrow, 4th Contract has a clause stating that notice served by hand before 5pm will be considered served on next working day excl. Sat, Sun and Bank Hols, which would be Monday, 6th If notice given tomorrow is considered served on the 6th October, would the notice be allowed to expire on 5th December, or would it need to run from 6th to 6th and so if it states 5th December will it be invalid? My feeling is that it would be valid still, as it would be considered served from 00:00:01 on 6th Oct and would run until 23:59:59 on 5th December, which would be two full rental periods. But looking online the results are mixed. I found a blog comment where someone said their possession order was thrown out for not running from, for example, 6th to 6th, and when using online S21 calendars with a service date of tomorrow, they are saying notice should expire Jan 5th, not Dec. Also, if the notice is dated from 4th or 5th Oct but isn't classed as served until 6th Oct, as per the contract clause, then is it valid or invalid? I'm so confused, getting into a right muddle. I'd be grateful if anyone could clarify the above for me, as this will determine whether or not we sign the new fixed term tomorrow. I am 7 months pregnant, due 15 days after the S21 would expire. If it was just me and my husband I would fight this to the end, but with the baby due at Christmas I am so scared of the uncertainty about what will happen. If I knew we had at least 3 months I would feel fine, but 2 is cutting it fine to complete a house purchase even with the added time of the court process etc. The anxiety is affecting me a lot now, to the point where I'm having panic attacks in the middle of the night and have hardly slept for a week. Please help

Last week i had a visit from a Bailiff who clamped my company car in the driveway demanding payment for an unknown debt. After some reasoning with him I explained it was my company vehicle, I even called my manager to confirm with the bailiff. I was then told by the bailiff I need to settle this debt for a ccj from last year or they would return and seize goods. I called the court and couldn't get much sense so I went there to get to the bottom of this. They printed me off some paperwork showing the CCJ was issued last August 2013 and the company I should pay is Lowell Portfolio. I contacted them only to be told that I owed them money and I needed to pay in full. I asked them what the debt was for they refused to tell me at first and it seemed like they were very intrusive on the phone, asking questions like if I was employed/owned my own home, if I had the means to pay that day etc. All they have told me is that its for a Three Mobile network bill. I defaulted on 2 payments to Three mobile back in 2008 but these total to just under £340 combined. The county court have ordered me to pay lowell portfolio £790! I'm not even sure its the correct bill and if it mine and I'm liable for it. I've done some research and i know i can use an n244 form with a fee to get the judgement put aside for now which i intend to do this week however I wish to dispute the amount and the debt and even if this debt belongs to me as I have never received paperwork demanding money from anyone for it. I need advice desperately. I know i'll be heading back into court once I submit the n244 form with my fee but should I admit the debt? Should i fight it? Should I ask Lowell Portfolio to provide evidence they can enforce this debt and prove the debt is mine? I really don't want to walk into a court room and face a judge not knowing what I can and should do. I'm totally lost please help me