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  1. Hi, I have today received a letter from Cabot chasing a debt from an old Aqua card I defaulted on back in 2016. It's the first letter, there's no other information in there, no notice of assignment, nothing. Is there an initial response letter I can send to them. Cheers.
  2. name the issuing court: Kirkcaldy Who Is The Claimant: Cabot Financial (UK) Limited, Marlin House, 16-22 Grafton Road, Worthing, West Sussex, BN11 1QP Who Are the Solicitors: Simon Nolan (Nolan’s Solicitors) What type of action? : Simple What is the claim for – 1. on 21/09/2015 the Respondent entered a credit card agreement with NEW DAY LTD under which the respondent borrowed from them a sum of money repayable on demand. The said agreement was an agreement regulated under the consumer credit act 1974.. 2.The Respondent failed to pay as agreed o
  3. first of all - I managed to get another case dismissed back in August thanks to the fabulous advice on here - this latest query is a wee bit different though. My wife has just received simple procedure paperwork today from Arrow/Shoosmiths for a supposed Aqua credit card debt. This is going to be fun as the paperwork was addressed in her maiden name and to an address that she was not living at the time the card was taken out - the address being next door to where we currently live - yes, I married the girl next door! we were married and she had been living with me f
  4. Hi apologies for the long winded post. Please can someone advise on a debt issue i have with Cabot financial. They purchased the debt from Aqua and sent various letters relating to the debt. Eventually it was passed to Mortimer clarke solicitors advising pending ccj request. As they didnt have a web portal to complete an income and expenditure form i did it on cabot's website instead after about a week i received an email saying contact Mortimer clarke. I neglected to do this and was issued with county court papers on 06/07, i contacted both parties to make a
  5. Sending my prelim letter claiming compound interest today using the old cash advance rate of 39.94 as they raised the interest rate but I didn't incur any changes after this 7% increase last July so if I had to justify the new rate in court I think I wouldn't get a sympathy vote from the judge. Posting to:- 7 Handyside Street London NC1 4DA
  6. I need a little help with this claim form please: Name of Claimant : Cabot Financial Ltd Date Of Issue : 5th April 2018 What is the claim for : By an agreement between SAV credit Re Aqua & the Defendant on or around 11/04/2016 (The Agreement) SAV Credit Re Aqua agreed to issue the defendant with a credit card. The Defendant failed to make the minimum payments due & the Agreement was terminated. The Agreement was assigned to the Claimant. THE CLAIMANT THEREFORE CLAIMS 1300 2.Costs I have not received prior notice of a claim to be issued. Value of the claim i
  7. Hello; I have received a claim form from Northampton from Lowell RE: an old AQUA debt. Genuinely after stop paying them a while ago due to unemployment I have not had any correspondence from from a while until I received the claim form. I will read on here about similar cases but wanted to know where I stand what I could do going forward? Any help will be much appreciated. Thanks T
  8. Hi, Some time back, I had an aqua card from NewDay. At first I was keeping up the payments, but it all got out of hand when they started to call me several times a day and constantly added multiple £12 charges to the account for late payments and unauthorised over limit fees per month. Eventually I blocked their numbers due to the alarmingly high number of times a day they called me and let them be for a few months. Over the weekend, I sent the Chariman an email asking to offer monthly token payments whilst I investigate the state of the account but received back an email whi
  9. 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
  10. Does anyone happen to have a contact email for Aqua and marbles? Im aware its the same company but i cant find one? A colleague of mine had to take some time off work due to various personal issues. He's now back in work, but is behing with other more important bills and wants to arrange a reduction in payments, a payment break or even better stopping interest for a couple months. He refuses to deal with them by phone, as for the last 2 weeks, marbles has been attempting to contact him 8-9 times per day, going by his call log. Anyone able to shed some light on the elusive email
  11. I had court papers in October 2015 from Restons on behalf of Cabot Financial (UK) Ltd. I put in a defence and requested CA and stated I believed the debt to be SB. Just before Christmas 2015, Cabot sent me a letter saying they could not find the original CA and as such any alleged debt was "unenforcable". Today I get a letter which says: "We have been instructed to write to you regarding the above matter. We note from reviewing your account that you have not withdrawn your Defence, nor has a payment arrangement been agreed. Due to the time which has elapsed since the proce
  12. Hi I am lucky enough not to require the use of a credit card at the moment. However a family member has run up a considerable balance on this card. I cannot see any way which they can ever pay this off when the interest is so high. Can one of you confirm that they are allowed to charge this much, and is there any way in which it can be challenged? Any help you can give would be greatly appreciated.
  13. I had an aqua credit card, which I did stop paying last year. Before I was able to come to an agreement, they sold the debt. I have sort of ignored them, but I did speak to them on the phone several weeks ago, well Restons their solicitors, and I did say I wasn't prepared to discuss anything over the phone at that time, but they did agree to send me a letter with a repayment proposal/my expenses. This did not happen. I have been looking after my sister who recently had an op and came home to a letter from The letter from Northampton Courts, which I opened today.
  14. Hi all, if this is in the wrong section please move. I have a Aqua credit card, Aqua are part of New Day Ltd, had it about 11 months and no problems, always used and paid in full etc... Then 2 months ago I noticed a £12 charge on account for being over my £200 credit limit, I thought this was odd as in the few days before this the balance was around £195 and I had not used the card. it transpired that interest added had taken my balance to £203 to which they then added the £12 fee. I said I wanted this fee refunded then I would pay, but until then I will not ma
  15. I believe Halifax Bank Aqua Card are stonewallers who will not refund penalty charges. I shall therefore take my reclaim for 8 x £12 penalty charges to County Court now that Small Claims Court has shut. Any shareable past experience from going this route, thanks?
  16. Hi does anyone have any email contact details for he aqua credit card - i want to contact them about a debt I have with them and try and sort things out but they only supply a postal address or phone number on their site
  17. Some help and advice would be greatly appreciated I've received a N1 claim form this morning for a Aqua (New Day Cards ltd) credit card sold to MKDP The claim is for just under £1300 + £70 court fee. I'm not disputing the debt as I do genuinely owe it and from looking at the balance, minimal late fees/penalty fees were ever applied to the account I'm wondering what options are open to me as I contacted MKDP this morning with an offer to make a pay plan. I explained that I couldn't afford much as I'm on low income and in receipt of benefits such as housing benefit/t
  18. Just a general thread really i thought id share, Now i have diabolical bad credit history which i stupidly trashed when i was 18 and struggled ever since. But earlier this year i applied for a capital one card and was accepted, ok limit is only £200 but wow, then even more shock a applied for a Aqua card and was accepted again for a Aqua start card with a limit of £100, I am determined to be sensible and use these cards to my credit advantage, What is quite funny with the Aqua one is after having the card for 4 months i requested a credit increase, got a letter
  19. Hi, Currently I have three credit building cards Vanquis - £250, Aqua - £100 and Capital One - £200. I applied for these to rebuild my credit. Can anybody advise me should I pay the three off now and close them which I can afford?keep one and pay in full every month?keep three and pay in full every month?I will keep the three if it promotes my credit better than paying off one in full every month. Any advice would be appreciated please. Do these cards repair a poor credit history which I have at the moment? Thank you
  20. I've been a member for some time and though have used a lot of the advice found here (thanks) but this is my first post. I need some urgent advice please. I took out an Aqua Credit card back in 2006 which fell into arrears after in 2011 I unfortunately became unemployed and could not repay. The CCA agreement has Halifax Plc as the creditor. The debt was sold on and a court Claim was issued by Aktiv last year for £1700. The particulars of claim states that the credit agreement was with Progressive Credit Limited, and that the account was assigned fro
  21. My wife has fallen ill with bowel cancer and was not in a position to make her contracted payments to aqua. I wrote to Aqua in November 2014 and again in February and march without reply, I have called aqua and asked to be put through to the complaints team but on two occasions I have been left on hold and not got through to the complaints department. Can anyone give me the postal address for aqua card complaints team. I do intend to take this up with FOS But I need to write to them first. Thanks.
  22. Howdo All I come today to prewarn you about a new card being supplied by NewDay Cards Ltd / TA Aqua... I decided to have a look at it and as it shows 49.9% Representative, decided as I havent applied for any credit products in a while, I would take the plunge. After some time of repairing my credit history I am better off then where i used to be about a year ago. When applying and going through the setup it instantly stuck a 69.95% interest rate on the card... I have spoken to quite a few people who have had the same issue. Please be careful with these Interest rates. Th
  23. 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"?
  24. Hi there I need a bit of help if possible. I came across this forum online and have problwms I have two credit cards aqua and capital one and I owe £220 on the aqua and £330 on the capital one which are both rising with interest and late payments. Both have entered default and it's my fault as I wasn't able to cope with my finances too well (job loss). The late payment and interest make up a chunk of the debts and I would like help and guidance on how to proceed to pay monthly. Should I ring and dicuss
  25. Hi, i have recieved an MCOL claim form from cabot uk with restons as their acting solicitors. The particulars of claim is for overdue balance due from the defendant under a contract between the defendant and bank of scotland (aqua card) dated on or about XX/XX/2007 and assigned to the claimant on XX/XX/2011 in the sum of 34XX.XX. The claim was issued 10/09/14. I have acknowledged reciept and stated i will defend the claim in full, this was done on 22/09/14. A CCA request was sent to cabot on 24/09/14 to which they have replied. The reply has stated that they dont have
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