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  1. All documents are here: http://www.scotcourts.gov.uk/rules-and-practice/rules-of-court/sheriff-court---civil-procedure-rules/simple-procedure-rules Below are those relevant to DCA/Debt Buyer Claims with specifics highlighted within them. Some interesting musings... The DCA HAS to state the documents they intend to rely upon within their claim. [box E2] It is heavily directed toward the claimant/respondent dealing with this via ADR outside of court There are no immediate court hearings/if any at all...the sheriff is directed to r
  2. Really need some advice as to what to do first,, do I call Lowell ? How do I respond to the forms I know there is a deadline we have to meet. My boyfriend has received a claim form from a Vodafone contract he had no choice but to cancel due to the recession, he had no work and got himself in a bit of a mess which he is still in the process of sorting out. At the time he did visit the citizens advice who helped him, they advised he offer to pay Vodafone £1 per month which they declined. I have copies of most of his bills from 2005 onwards, sadly the copies h
  3. All documents are here: Ordinary Cause Action for over £5000 http://www.scotcourts.gov.uk/taking-action/ordinary-cause the important ones are attached to this post Period of notice after citation ......time you MUST reply by: 3.6. (1) Subject to rule 5.6(1) (service where address of person is not known) and to paragraph (2) of this rule, a cause shall proceed after one of the following periods of notice has been given to the defender- (a) where the defender is resident or has a place of business within Europe, 21 days after the date o
  4. Hi, I'm new to the forum, but have been a long time lurker. First of all apologies for how long winded this is, but I hope I include all the relevant information. Alleged card debt from card taken out in 1998. Alleged debt approx £5k. Card sold to IDEM Capital Securities August 2012 Alleged Card default August 2013. Idem Capital Securities assigned alleged debt to Arrow Global November 2015 About three years ago I received multiple claims for alleged credit card debts, and with the help of this forum managed to get one claim dropped and ended, one victory in court
  5. not even sure what this relates to but they have been trying for ages and not even sure if this belongs to me.....do I need to worry about it? edfenrgy_Redacted.pdf
  6. Me again, So out of the blue SLL Capital have put a default on my credit file for a Mr Lender Loan from 2016 that i never repaid. Can they do that? The Mr Lender loan isn't on my credit file before this I will of course do a irresponsible lending complaint to Mr Lender, is it worth sending a prove it that i owe this debt to SLL Capital?
  7. Hi all, new to CAG but hoping you can help! My husband has received a claim for for a PCN over a year ago which I feel is unfair and would strongly like to contest on the basis that none of the parking machines were working on the night he parked there. I have just completed the Acknowledgement of Service online amd intend to request info under CPR 31:14 but I would really appreciate any help you can offer, particularly with respect to what I should specifically request. Thanks in advance!
  8. Hi I also received a PCN from VCS Ltd for stopping for 8 seconds on 28 May 17 to pick up my distraught Sister-In-Law at Liverpool Airport. She didn't go to the pick up point as arranged but thought it better to start walking towards the main road. I received the initial notice from VCS Ltd but ripped it up and binned it (so I don't know if it was within the 14 days timeframe). I then ripped up and threw away their second letter. The first letter from BW Legal came int he same envelope as a letter from VCS saying my account had been passed to their legal team.
  9. The last few months I have been receiving numerous letters from a company called LCS demanding £24.65 + £5 admin charge on behalf of their client E-on for an alleged bill in June 2016 when I switched to a different supplier. I have contacted them by email many times for them to prove who they are & how the debt was incurred. LCS have now sent me E-on bill printouts & are now demanding £99.65 for an 'estimated bill'. As far as I'm concerned I do not owe any money. E-on have been very unhelpful. Any assistance please?
  10. I wonder if someone can help me. My car has been in the garage since April 2016. I have been given all different dates when it will be ready. I have whatsapp messages to say it would be ready in February this year. Let me explain because I really need to understand what my legal right is as I though garages had to carry out repair within a reasonable period of time. In April last year my BMW 325i broke down. I was told it was the head block. At first I tried with no success to find a head block and then decided to opt for a part worn engine. I order
  11. 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
  12. Hi, I applied for a provisional driving license in October 2016. To this day (Aug 2017) I am still waiting for it. Today DVLA told me it's still in a queue for a doctor to review but would not tell me how many months or years it would take for that review to happen. DVLA refused to tell me the average or approximate time it takes for a medical review to happen. No info whatsoever...just keep waiting... Is this normal? How long does this normally take? Is there a way I could get a provisional license and my lessons as well as the actual driving license abroad and then use that h
  13. Hi, Could you help me with a Northampton county court claim dated 13 sep 2016 which is for £935.50 + interest. I have acknowledged it online and the issue date is 13 Sep 2016. Claim History A claim was issued against you on 13/09/2016 Your acknowledgment of service was submitted on 22/09/2016 at 20:20:43 Your acknowledgment of service was received on 23/09/2016 at 08:01:36 I want to dispute the whole claim which I have told the court online as im not sure about this credit card or when it was taken out as at that time I had so many debt but im not sure which one this
  14. CAG Newsletter - October 2010 01 -October 2010 Newsletter.pdf CAG Newsletter - November 2010 02 - November 2010 Newsletter.pdf CAG Newsletter - December 2010 03 - December 2010 Newsletter.pdf
  15. The December solstice happens at the same instant for all of us, everywhere on Earth. This year the solstice occurs on Wednesday December 21st at 10:44 GMT (Universal time). The winter solstice happens every year when the Sun reaches its most southerly declination of -23.5 degrees. In other words, when the North Pole is tilted furthest – 23.5 degrees – away from the Sun, delivering the fewest hours of sunlight of the year. The Winter Solstice is the most important day of the year at Stonehenge and a truly magical time to be there. It's an ad hoc celebration that brings together Engla
  16. Plans to change the way fare dodging rail passengers are punished have been outlined by the Department for Transport (DfT). Ministers want to make the process simpler following accusations that it is unfair and lacks consistency. The proposals are in response to reports into the issue by independent watchdog Transport Focus (TF) which explained that, under current arrangements, train operators are "the victim, the investigators, the decision makers and the prosecutor". It described this as a "powerful position" and declared that "the whole system requires an overhaul".
  17. The Consumer Action Group Guide to Payday Loan Reclaims & Irresponsible Lending. Latest guide includes info on dealing with CMC (Claim Management Companies) & When a company falls into Insolvency / Administration. This was updated in Sept 2018 PDL_Claim_Guide.pdf
  18. Need info on regarding a PCN on shared use taxi rank. On TSM chapter 5 7.43, it states that LA will need special authorisation from Dft on use of diagram 650.1 (no stopping except taxis). But the new TSGRD 2016 which came on force since april this year, there's a para stating: Confused with the wording but is it to say that LA will not need authorisation from Dft? Thinking of contesting the PCN as it's a non-prescribed sign (650.1) but noticed the new changes. Caught out in Aldershot station road. Pay parking until 7PM and taxi rank from 8PM . Original TSM chapter 5 wor
  19. 1. Date of infringement: 11/06/2016 2. Date of NTK: never received due to change of address 3. Final reminder received 10/08/2016 (first letter seen), BW Legal letter combined with Excel parking passed to BW Legal letter: 26th September. 4. No mention of Schedule 4 of the Protections of Freedoms Act 2012. 5. No photographic evidence given by Excel. 6. Excel Parking Services Ltd. now instructed BW Legal 7. My sister parked my car at Peel Centre, Stockport on a stormy/rainy day, not seeing the signs or any ticket machines with her hood up. She made purchases at H&M and left.
  20. HMRC made an error in my 2016/7 tax code which resulted in a large overpayment of tax on my pension in October 2016. HMRC have admitted their mistake and issued a new, correct, code. Who is responsible for repaying me? My pension provider or HMRC?
  21. Hi, Morning everyone, it's finally the weekend! I am looking for some advice regarding this upcoming benefit cap as I want to know if I am going to be affected as I claim Universal Credit. I am single, 29, I live in Burnley, Lancashire, North West and I live in a 1 bedroom flat with an housing association and my weekly rent is £80.62. My Universal Credit payments is as follows: 1. Standard Allowance for me: £317.82 2. Housing Element: £352.56 So, by going of this, will I be affected? I am just worried! Any advice / help would be great, cheers.
  22. The Ministry of Justice has introduced a shortened list of the new Court Fees for County Court, High Court and Family Court proceedings. In relation to the bailiff section of the forum, the following fees will be of interest: Varying a judgment, suspend enforcement or suspend a warrant of possession £50 Set aside a County Court judgment £255 General Application: £255 (N244) The general application fee (of £255) apply in cases where an Out of Time witness statement has been rejected, and the respondent wishes to have the decision 'reviewed' at a hearing in person.
  23. READ MORE HERE: https://www.gov.uk/government/news/royal-navy-statement-20-july-2016
  24. Hello, first post here having read through other threads. I received a FCN from Napier after parking at Willen Lake, i bought a ticket and it appeared to have blown off my dash into the footwell of my car. I returned to my car to find an FCN on the windscreen asking for payment of £80 or a reduced charge of £45 if paid within 14 days. I appealed to Napier through their online procedure explaining this situation and attaching a picture of my ticket. However they responded with a letter attached to an email stating that because i failed to ensure the ticket was di
  25. The country has waited a long time to see Tony Blair’s face when this report comes out, there are suggestions that he should be stripped of all honours given to him, to sit on the Privy Council-who advise the Queen, and the title of ‘Right Honourable’ which he is not. Blair lied to the British people and to parliament (with the aid of his side kick Campbell, they should both be taken to court for starting an illegal war, which killed nearly 7,500 Iraq civilians plus the lives of 179 British servicemen and women, which also enabled the rise of ISS. Blair took
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