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Found 16 results

  1. Hi, This is my first post here, so forgive me if I am covering old ground. I have a Barclaycard debt of just over £1500, that unfortunately went into default when I lost my job a few years back. I had been paying BC an agreed amount of £22 per month ever since without any problems. However, I recently received a letter from BC telling me that they had assigned the debt to Link Financial and that I should now make payments to them. I haven't done anything so far, as I have read in various places that I shouldn't have to pay anyone other than the company I owed origin
  2. Name of the Claimant ? CABOT FINANCIAL (UK) LIMITED Date of issue – 15 MAY 2017 What is the claim for – the reason they have issued the claim? “ 1. By an agreement between SAINSBURY’S BANK & the Defendant on or around 20/10/2010 (the’Agreement’) SAINSBURY’S BANK agreed to issue the Defendant with a credit card. 2.The Defendant failed to make the minimum payments due & the Agreement was terminated. 3.The Agreement was assigned to the Claimant. 4.THE CLAIMANT THEREFORE CLAIMS £2200.” What is the value of the claim? £2200 Is the
  3. A bit of background, when I got my first job after being a student circa December 2008 I got my first CC - a Barclaycard Platinum. Within the space of 2 year they'd thrown a £9,500 limit at me and having something of a love for travel back then it got used up. At the time I was living at home with the parents and therefore regular payments of £600-700 were not a problem to keep the balance going down faster than it went up. Roll forward to 2013, I move out and start renting, the Barclaycard becomes my only source of 'offset' spending and the payments I'm able to m
  4. Brief background summary. I had a loan with bank, defaulted and they got judgement and charging order. Took bank to court for PPI on the loan, got default judgement and warrant of execution. Bank applied to get judgement and warrant set aside. We reached a compromise that they would reduce balance of judgement and charging order and amend the same accordingly. They have since sold debt without reducing the balance or amending judgement or charging order. Whats the best way to handle this? can I claim damages? Thanks in advance.
  5. My wife has an old credit card debt of around £5K. It went into arrears and a DMP (CCCS then self-managed) several years ago. The debt was sold on to a bank who have recently sold it on to a DCA. The DCA can't provide a copy of the CCA - I didn't expect them to be able to - but still want the full balance. They also can't provide any proof of the balance they claim by way of statements. What are the implications of stopping all payment. I know it used to be the case that a debt without a CCA could not be taken to court, but is it right that cour
  6. I have just received a claim form from the court. Lowell's are claiming for a credit card with Lloyds. I have not heard anything about this debt for years. I found an old email that I sent complaining about lloyds (to a consumer action group) because they were harassing me by telephone-this was in 2008. I also stated in the email that I had been paying it but was in dispute with them so had ceased paying. I am pretty sure I would not have made any further payments I think it might be statute barred but I am not totally sure. Could someone please advise me as
  7. Good Afternoon, Apologies if this is in the wrong forum. I'm about to send off a SAR with regards to a problem with AMEX and Allied International and a breach of DPA, amongst other issues. Allied International are purporting to be representing AMEX as an agent and as such are effectively working on behalf of AMEX. With this in mind, will a SAR sent to AMEX be enough to gain access to Allied International actions taken on behalf of AMEX? Thanks in advance.
  8. Hello I signed up, many years ago, for a tradepro account/ credit card. I was approached in the street and signed a credit agreement in March 2006. The amount i spent on this card was approximately £2800. I made payments and then unfortunately lost my job. This is when the fun began. I tried to be reasonable with this company and they eventually took me to court in 2010. I stupidly didn't attend although i did try to defend by letter and judgement was granted. They then proceeded to place a charging order/ restriction on my house. They then passed the debt on to Marstons debt co
  9. Hi all I have an old Grattan debt that has now been taken over by Grattan's. With Grattan's bizzare accounting system they had divided the account into two: Up until a month ago there were two Grattan accounts on my credit file, one was a default and the other showed as settled and dated 2011. - Neither show on my credit file now??? I had CCa'd Grattan and got this response: Dear.... Your email has been passed for my attention with regard to the above numbered account. With regard to your request for a copy of the agreement unfortunately your request for information
  10. Hi, I have been lurking on these forums (and Google) but cannot seem to find any information about the problem I currently want to resolve. I took out a Wonga loan in 2012 which was assigned to Portfolio Recovery Associates U.K. Ltd in June 2013. I am currently on a DMP with Step Change and I am repaying the loan to PRA. I'm aware that Wonga has had to write off loans which were in excess of 30 days in arrears (which mine clearly is) and would not have been approved under the new affordability guideline. I am certain that my loan falls into that category as I was unemployed at
  11. Can anyone help? I have some large credit card debts on about 5 cards. I have sent a standard letter asking for a copy of the CCA and had replies back but some seem a bit dodgy. I'm no expert sp I joined the forum to see if there is any help here for me. Do I tell them that I dont think they have complied with what I asked for and put the account in dispute and pay the £10 for the SAR? Are they legally entitled to chase me for payments while the account is in dispute? I can post documents if anyone wants to have a look. Cheers
  12. Sorting a debt out for and elderly relative.. Notice of Assignment came on Friday, but the OC are not quite sure who to assign it to just yet lol.. They say it will be assigned to one of the following, possibly.. Freds Moorcrap Robbers Way Buchannan Arse & Smells 1st Crud
  13. Hi guys I have been in serious debt for about 3 years now. However I changed my life around after receiving some therapy and have been successfully managing dealings with the various credit card companies since day 1 of that 3 years. I have been using a government sponsored scheme to negotiate with the creditors to a)pay them reasonable amounts b)freeze the interest so I have some hope of getting out of this mess. I have had success with all the credit card companies with both of these points and even paid 2 (of the 5) full and final settlements with the help
  14. So one of my creditors has assigned my debt to a DCA. The OC has defaulted me on my credit report. I have set up a repayment plan with the DCA therefore payments are not showing with the OC on my report. Should the OC be reducing my amount on my report? or should the DCA now show on the report? Can I get the debt sent back to the OC and have them place 'arrangement to pay' on my report. Does it really matter as, as soon as the debt is paid off it should be settled on my report.
  15. I have been checking my credit file regulary.I have an Mbna card which was defaulted in 2010 It says that the debt has been assigned but not to who. As the balance is just over £1800, why hasn 't a DCA come forward to claim their prize ? I am not hiding and the CRA has my current address, is this unusual ? Any ideas ?
  16. My CC debt has been assigned and sold to a DCA. There are substantial PPI charges on the account. The original credit agreement cannot be produced as it is from the mid 90's and no further recovery action has been taken. I, however, have plenty of statements showing PPI being charged. If I start a PPI claim am I at risk of being thrown into court for the CC debt despite them being unable to provide the original agreement? thanks
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