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Found 929 results

  1. My partner finally decided to claim her Capital One credit card PPI. The card was issued in 2003 which was more or less when PPI was introduced I believe with a avg credit amount of £500. About 2 weeks ago she made a the claim using the Capital one/resolver online application. The original card application was completed on the phone and her complained was it was not fully explained to her what PPI was and why she should be accepting. Within a week she received a reply stating she was not eligible fr a PPI due to the following reason: aged 16-64 Employed and paying class 1 NAT INS Living in UK Based on the above we are confident the PPI was not mis-sold !!! They confirm it was sold on a telephone application which they do not have the recording ! How is this confirming that it was not mis-sold ? They have however agreed to just over £1200 as a result of redress scheme which was introduced in 2014 re a high commission rate which is unfair to the consumer under the CCA 1974. Not sure how to work out the PPI as not much statements are available. Given the above info, what would be the best course of action? Thanks in advance
  2. Hello, first of all I would like to say I'm really glad I found this forum. After looking through some of these recent posts, I've noticed that others have had invalid 16+ oyster cards made for them and also got into trouble with inspectors. My case however, seems to be slightly different. I am an 18-year old student currently in full time education. This means that I am entitled to a 16+ oyster card already, and eligible for free travel. However, I couldn't figure out how to make the account and actually get the oyster card. I've noticed a lot of people on social media getting these 16+ oyster cards. At first I assumed this was for people who didn't know how to set up the account themselves. There was one particular guy on Snapchat, who was advertising these 16+ oyster cards. He kept posting people using his 'service' and thanking him and since I didn't know how to do it myself I just decided to let him do it for me. I messaged him, and he said he will do it for £50. At first I was like what the hell, £50 just to set up an account? But since so many people used his service I thought it must have been a complicated process (which is a very stupid thing to assume now that I look back on it). But of course me being the stupid 18 year old, I thought to myself that I want to get an oyster card as soon as possible since I was tired of walking 1+ hours to get to college and the guy convinced me he will have everything ready for me within 15 minutes. I have recently started working my first job, and got my first couple pay checks I'm stupidly thinking "whatever I can afford the luxury of having this done for me". I send this guy a photo, my address, my full name and my date of birth. He sends me back log-in information and I pay for the £20 oyster card fee. Few days later my oyster card comes no problem. Now, I'm in my last year of college (finishing in 2019) but my oyster card expiry date said 2020. I message this guy on Snapchat saying why does it say the oyster card expires in 2020 when I'm finishing college in 2019. He says to me that on the system it will say I'm 17 years old, but because college is usually a 2 year course it will expire then. I was thinking that's really odd, I assumed the system would obviously say my actual date of birth. I should've noticed this is a red flag, but I had already received my oyster card I'm thinking that TFL obviously must have checked the account, and confirmed that I was eligible, otherwise I wouldn't have received the card. I just brushed it off without thinking much about it. Fast forward about 1-2 months of using the oyster card no problem, inspector comes on and I give him the card. He asks for my name and I point to the card and say my name. He asks for my age/date of birth. I was born in the year 2000. I say my actual date of birth, but remember that the guy said on the system it will say I'm 17. said "10th of May, two thousand-----and one" I added the "one" at the end thinking that it will say I'm 17 on the system so it would make more sense. Inspector says okay, and it was my stop approaching I let him know that it's my stop and he nodded his head. I got off and that was that. Didn't think anything about it at the time. Fast forward again about 3 weeks, my oyster card stops working. I didn't for a second think that the inspector thing and my card stopping was related at all, in fact I had already forgotten about him by that time. i'm wondering why my card stopped working. I'm talking to my friend at college later that day and I asked him if he's got a 16+ oyster card. He says yes. I ask is it working? He says Yeah. So I ask how did he get the oyster card. He said he made an account on TFL, printed out a form, got it stamped and signed by the college and sent it to the post office. I was like "oooh damn I didn't do that, that's why it got stopped". now I'm annoyed that my oyster card is not working when I paid £50 for it, especially now that I know how to set it up myself and the guy never gave me a form to give to the college. I look for this guy's Snapchat that got me the oyster card, and it seems that he deleted it. I'm really annoyed now but oh well, I guess it's a lesson learned I thought to myself. I had about 6 more months at college by then I just decided to start walking again so that I didn't have to pay another £20 fee. Now here's the ice breaker. About 1 month after this I received a letter. Boom - I have been summoned to court for the use of a 16+ oyster card that I was not entitled to. It says that the inspector which questioned me asked for my date of birth, and I gave him the wrong one in order to make the card appear valid. It then says when asked for my name and address I got off the bus without providing them?? This came as an absolute shock to me. I gave my name, I was definitely never asked for my address. I gave that date of birth thinking that's what it will say on the system. With the letter, came attached a print screen of my account details (which I haven't seen before). My date of birth was completely wrong. Wrong day, wrong month, wrong year. And now it appears that I have to be at court and pay a fine of about £400, plus a potential criminal record? I tell my dad the whole scenario because he has handled cases before. He gets a bit angry thinking why I didn't ask him to help me make the account, but I recently turned 18 and just wanted to do stuff without asking anything of my parents. he says I need to actually get a legitimate 16+ oyster card ASAP, to prove that I'm entitled to one. So I did, and it just arrived yesterday. I wouldn't really be worried about this that much since I wasn't aware of doing something wrong, I was just really stupid to see it. But it seems that even if you do something like this wrong mistakenly, you're still at fault so I'm a little scared. I've never been in trouble with the law before and had no idea what I was doing was illegal. What makes it even worse is the fact that the letter says that I got off the bus when asked for my name and address without giving them. But this is false, I did give my name and I was certainly NEVER asked for my address. But I'm guessing that they will take the word of an experienced inspector than a dumb 18-year old boy? Should I be worried? Should I expect to have to pay the fine and/or get a criminal record? Court is supposed to be 6th of March, I'd like to settle out of court but if that's not possible, I'll plead not guilty because I was not aware of doing something wrong. I do admit and take responsibility for being stupid and not realising that the Snapchat guy saying "it will say you are 17 on the system" is dodgy and doesn't make sense. But that was when I received my oyster card, and I thought that as long as you receive one from TFL they would have checked the account and confirmed it eligible. Should I contact TFL asap and explain everything as I have here? I just need advice on this situation and how to approach this. Please note that I am an 18-year old who knows nothing about law. I would've never in a million years thought I'd have to go to court during my lifetime, considering my extremely boring lifestyle. But now that I'm here this all feels surreal and I'm filled with anxiety. Advice is greatly appreciated, and I apologise for the long read.
  3. Just started my PPI claim against Natwest credit card, just sent of my SAR and £10 PO card was taken out april 99 How do I work how much I could be owed is it the PPI plus the culmintive interest of the card on that PPI over the years Plus the 8% interest
  4. Hi All, Been a long time since I've been on the forum but need a little advice if possible. I believe I defaulted with Barclay card back in 2010 but I'm not sure of the exact date. Had personal/business problems back in 2010 (actually before if you see my posts) which ended with me becoming divorced. After this point I "stuck my hand in the sand" and ignored a lot of the relentless letters from them (and others) as the recession had wiped my business out and I had far bigger things to worry about. Over the years I haven't heard much from BC seeing as I'd left the marital home. Some letters did go to the old house but were ignored/binned and some of these were from various debt collectors. I know - not clever. I've started to to get a few letters recently from Robinson Way at my new home address that I'm renting (on the electoral role) and even an email to my business email account. To date I haven't replied to them but can't work out how the debt they are chasing for has gone up to £7684, my original credit card limit was £7k I think. As you can possibly gather I'm not in good position with facts as a lot of this got lost all those years ago. I've moved on in life and have remarried and don't want all the relentless hassle these companies make however I do want to fix my credit file. How/should I communicate with them? Don't really want all the pestering of paying them this inflated/made up figure with the penalty of them marking my credit file for another 6 years:evil:!! Thanks guys
  5. Hello all, My first post on this great forum - very nervous and very worried. Please correct and advise me if I do anything wrong or don't follow correct protocol as I'm not a regular user of any forum! I had two credit card accounts with MBNA one started 1996, the other in 2001. I believe I stopped paying the full repayments around 2005 due to losing my job and the resulting financial problems and agreed with MBNA a reduced, interest free monthly repayment. Some time later I received letters saying both accounts had been assigned to a debt collection agency who would now be taking over the accounts. I think these were possibly re assigned two or three more times to different agencies over the next couple of years but my memory on these is not so good as I was suffering from severe depression around this time and on prescribed medication. I probably ignored and binned any correspondence from around this time. Most recently, around November 2015, Arrow Global took over both debts and on 05 August this year I have received two Court claim forms (one for each account). I read a few threads and have responded to the claim online at moneyclaim.gov.uk to acknowledge service and stated I wish to defend. Now I'm struggling and worried sick that my head might go again and would be so grateful for any help you wonderful people could provide. I don't think I have a lot of time to respond?
  6. Name of the Claimant - Arrow Global Limited Date of issue – 05 August 2016 Date to acknowledge= 24/08 + 14 days date to submit defence = 06/09 (33 days in total) - What is the claim for – the reason they have issued the claim? 1 - The claimant's claim is for the sum of £1547 being monies due from the defendant to the claimant under a regulated agreement between the defendant and MBNA Europe Bank Limited (No.XXXXXXXXXX) and assigned to the claimant on 30/11/2015, notice of which has been provided to the defendant. 2 - The defendant has failed to make payment in accordance with the terms of the agreement and a default notice has been served pursuant to the Consumer Credit Act 1974 3 - The claimant claims the sum of £1547 4 - C has complied, as far as necessary, with the pre-action conduct practice direction. What is the value of the claim? £1547 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit Card account When did you enter into the original agreement before or after 2007? - 1996 Assigned - Debt purchaser (Arrow Global) has issued the claim Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes, but I received a few different ones assigning it to various debt purchasers over the last few years. Arrow Global being the most recent. Did you receive a Default Notice from the original creditor? - Do not recall - I don't think so. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? - I don't think so. Why did you cease payments? - unsure - possibly 2010 What was the date of your last payment? - unsure - possibly 2010 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? Explained loss of job and financial issues and agreed and paid reduced, no interest monthly payment to MBNA until assigned to Debt Collection company then no further payments made.
  7. Hi to all! I have read some very helpful advices from the similar story thread like mine. I am wondering if anyone could ever help me as well with my situation This Saturday, when I was about to go to London to visit my 90 year old friend ( more like my second Father). I was so stress because I have not sleep that much for the whole week and stress out because my son who is 8 months old has been having temperature the whole week. all set...my husband told me to take his ticket. At first I said no but because I was rushing I just took the travel ticket in the end. Off I go to the station rushing to catch the train. When I got into the train the first thing I did was writing the things I have to do for the coming week. Booking my son's GP appointment, view my son's nursery, contact my manager about my maternity leave. And everything else. Then the inspector asked for my ticket. I was so stupid to gave her my husband's ticket thinking it was mine. So the inspector asked for my Ticket ID and obviously it won't match. When she asked me about my ticket and me thinking not to put my husbands into trouble, I said that I have my own weekly travel card and that card was beside my Husband's travel card and mistakenly took his instead of mine. But none of them was true, I just made it up because I do not know what to do and people are looking at me like a criminal. I have been in this country for 10 years and never been in this situation. When the inspector asked me about my reasons, I said I was on a rushed and I do not intend to take my husband's ticket. Which is true apart from the sentence when I said I have my own travel ticket. My husband went to the ticket office on Potters bar (GreatNorthern Railway) to ask if he could ever get his card back. But they didn't give it back instead he paid for another £300 for his travel card. They also asked for the reason about his ticket and all he said is that " My wife took my travel card by mistake and by the time she was on a train the ticket inspector took the travel card". It is indeed a mistake to take his travel card in the first place. I have called the customer service today asking what shall I do. But they cannot give me a straight answer. I am applying for my license and I do not want any records just because of my stupidity. I am so stress right now and I have no idea when the letter is coming so that i will know what to do next. I have read some thread here with a great result and I am hoping mine would be the same. I do not know if they will I prove to them that it is not my intention to use my husbands travel card. It was just a bad week for me and very stressful sleepless nights because of my son. But how would they understand my situation and what shall I do to prove them I am very sorry and it won't happen again. Should I email them before I received the letter from them or just wait? Please help me, I am not from this country but I have been living here for 10 years. I have never thought of being in this situation. Thank you in advance for those of you who would take time to read my story.
  8. Ok, sorry, its me again Andyorch, Another Northampton Court Paper has arrived Ive attached details below Name of the Claimant ? Cabot Date of issue – . 12th August 2016 What is the claim for – 1.The Claimant claims payment of the overdue balances (set out below) which the Defendant have failed to pay as required under Contracts with the following particulars Acc No XXXXXX Acc No XXXXXX between the Defendant and Lloyds TSB dated on or about Sept 18 1993 and Oct 06 2005 respectively The Contracts were assigned to the Claimant on Nov 02 2012 Particulars - Acc No XXXXXX Acc No XXXXXX 16/07/2016 - Default Balance - £4500.22 16/07/2016 - Default Balance - £9340.55 Post Refri Cr - NIL Total - £13840.77 What is the value of the claim? £13840.77 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? 2 x Credit Cards When did you enter into the original agreement before or after 2007? 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. Assigned to Cabot and yes they have issued Claim Were you aware the account had been assigned – did you receive a Notice of Assignment? No Did you receive a Default Notice from the original creditor? Don't think so 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? Lack of work What was the date of your last payment? Defaulted in 2010, but then was paying £1 for a few years, then ceased this about a year ago Was there a dispute with the original creditor that remains unresolved? Don't think so Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes I wrote to them in 2010, and offered them the £1 per month Ok, please can you help me with what to do next 1. / I need to acknowledge the claim form - I haven't done this yet and intend to defend all of the Claim???? Haven't been able to access MCOL all weekend! 2. I presume I send off another CCA Request to Restons? 3. Send off a CPR 31:14 to Cabot 4. Please can I ask if the 6 year timescale is from when the Debt started in 2010 or when the £1 contributions ended? Your help and advice would be hugely appreciated again with these Court Papers
  9. Hi, I am wondering if anyone can confirm whether the attached CCA request from Barclays is enforceable. I took the card out in 2011 and along with an MBNA card i stopped payments in Feb 2018 with a balance of £9104 on the BC. I contacted Step change and entered into a DMP paying £344pm to cover both cards. In Aug i sent the CCA request to Barclays and they returned the document, i thought it was legit because it had my name and address on so filed it away and did not send one to MBNA. A month after the CCA request i was informed that my debt had been sold on to PRA which i thought odd because i was almost paying the minimum amount. I have been reducing the amount i pay through budget reviews and am down to £170pm between both cards. new year and decided to get a grip, i have requested a CCA from PRA and MBNA, PRA have replied saying that they are trying to retrieve the documents, i am presuming that they will be the same as the ones that BC sent me and have put my account on hold. So, if they supply the same docs is it enforceable and what info is missing from the document. I have searched for what info should be provided but have drawn a blank. Apologies for the first couple of pages not being in order. Any help greatly appreciated. S25C-919012107300.pdf
  10. Hello, I am new to this forum so I’m not sure but I’ll tell what happened first and I will really appreciate any help you can give me. First of all, I know it’s my mistake and I deeply regret this now. I saw this intagram page about 16+ Oyster cards for anyone (I’m 20) for £40 and contacted the guy and he set up and application for me and all. was having financial problems and I’m a student I was stupid enough to do something awfully regrettable like this. paid him applied for the card. got it used it for a while. got caught by a ticket officer got a letter from tfl asking me to write to them explaining why this incidence happened. I don’t know what to do. please help me out. This is my first time getting into trouble like this and I’m very regrettable and scared that I’ll be prosecuted. I’ll never ever do anything like this again. Please help me out. This is the letter I received from tfl. Please give me any advice you have on writing a reply to them. I have already started to draft a letter with my apologies and answering them honestly. But the letter they sent does not mention anything about fake photo card so should I tell them about it or just apologise for not having a valid card and offer to pay for any loses/fines. I am terrified about being prosecuted for this.
  11. Hi if my min payment is £100, do i have to pay it in a lump sum before payment date or can i pay it in multiples like £50 on one week and £50 another week..as long as its paid by due date? I ask because I accidentally paid £50 in to barclaycard, but can only afford to pay £50 more to make it £100. Thanks
  12. 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.
  13. Hi, HSBC responded to SAR request as nothing on the system for 2003 - 2004. Then after I sent them a policy number for CRP PPI on closed credit card. We have an offer as Full and Final settlement of Miss Sold policy! Premiums total £150 Redress Total £460 inc premium. Does this look about right? Many Thanks
  14. 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 on demand and is in breach of contract with the said NEW DAY LTD. The said supplier assigned all rights in the said debt of £3079.52 is the sum sued for. 3.The Claimants have made frequent requests to the respondent to make payment of the said sum but the Respondent has refused or delayed to do so. date of raised claim :- 20 November 2018 Last Date Of Service:-14/12/2018 Last Date For Response:- 4/01/2019 What Documents are listed in Box E2 1. No defence – No evidence required. 2. No Stateable Defence (rule 4.4 breach) 3. Defence on Prescription- copy statement of account only. (Agreement must be admitted to plead prescription. So agreement not required.) 4. Denial of Agreement – Copy agreement dated 21/09/2015 N.B Generic rule 8 order should never be issued. The facts of each individual case must be considered. It should never be appropriate to have to plead such as assignations or default notices until/unless specific defences are led. The salient feature of assignation is that it does not require the consent of the defender and the averments in this form are sufficient to confirm intimation. Default notices should never be plead due to Omnia Praesumunter Rite Acta Esse (trustees of the Scottish Solicitors Staff Pension Fund v Pattison & Sim, CISH 96 and Trayners Latin Maxims, p419 420) The claim is for a credit card from Aqua BOX D5 what has the claimant stated: The claimants request that the court order the respondent to pay the sum of £3079.52 When did you enter into the original agreement before or after 2007? AFTER 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.:- It is the debt purchaser who issued the claim. Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor? Not sure, sorry. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? - Not that I have noticed When was you last payment:- 23 June 2017 Why did you cease payments:- I could not afford the payments, I lost a lot of work and my income went down so low that I was unable to keep up the payments. Was there a dispute with the original creditor that remains unresolved? NO, but I dispute the amount I am being pursued for on the basis that my credit limit was only £1500 yet they want £3079 Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan ? Yes, I offered to pay £10 a week and although they did not formally agree I continued to pay the £10 until June when I simply could not afford it. I have been served with this Form 6A, the simple procedure for notice of claim from Cabot regarding an Aqua Credit Card I had. I have no idea what to do as I am owe money but not £3092, my credit limit was only £1500! Can anyone advise? I only have a few days to respond and dont know whether to ask for time to pay (I have very little to spare, if anything due to my current financial circumstances) or to dispute the claim and stating the reason as being the amount is in dispute... I have filled out the parts requested to the best of my abilities any help is appreciated, i did not realise the date to respond is 4 days from now so im a bit panicky.
  15. Hi, i took out an mbna card in around 2002 (unsure of exact year) i was made redundant and ran up debts, on returning to employment i started to pay them off for many years, however the interest rates kept going up and eventually (aug 2012) i just stopped paying completely, initially i intended to enter into a debt arrangement scheme but mental health issues and anxiety/stress meant i just started to ignore it! I have ignored this situation for almost 5 years Recently found out that after 5 years its unenforceable. ive been praying that it would get to that point to relieve this stress Balance is sitting at around £8.5k I have always had PPI on this card I phoned broadies on receipt of the letter to request a CCA which they said they'd send. I have not received anything, does anyone have any advice, ive no idea what to do next? im scared they dont send any on for because it was done via phone, should i email them? just checked and my first month of not paying was august 2012, last recorded payment was july 2012
  16. Hi All Tesco Credit Card taken out in 2004 and got into difficulties 2007/08 Been gradually repaying debt since then Last 4 years been paying £50/month Current balance circa £2,500 Went through I&E with Tesco in January and agreed £50/month for next 12 months Tesco letter and Intrum letter came together in one envelope from Intrum last week Per Noddle, Intrum have done a search Tesco letter says: "If you have an active repayment plan in place, and your circumstances haven't changed, you can continue to pay off your balance as you are now, but paying Intrum UK Finance Limited instead of us. You will need to take action and update you payment details to redirect your payments to Intrum UK Finance Limited." Intrum letter says: "We understand that you've already agreed a repayment plan with Tesco Personal Finance Plc. We want you to continue this agreement with us so we ask you contact us in the next 30 days to make arrangements to do this. If it's affordable we're happy to accept the same arrangement you had with Tesco Personal Finance Plc." What propose doing is pay £50/month to Intrum for next 4 years until debt is paid off. What I don't propose doing is communicate with Intrum. Question - can Intrum force me to go through I&E or any other form of communication with them? I'd appreciate any advice on how I should proceed.
  17. Hi I purchased a cctv from Maplin about 8 months ago using my Santander c/card, I closed the account about 6 weeks ago and now the cctv system is broken, Maplin have liquidated of course so I ask.... Can I still claim a refund on my old card? Thanks
  18. Name of the Claimant ? Lowell Portfolio I Ltd Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 29/01/2019 Particulars of Claim What is the claim for – the reason they have issued the claim? 1) The Defendant opened a Bank of Scotland ( Credit Card) regulated consumer credit account under reference xxxxxxxxxx on 08/06/2009 ('the Agreement') 2) In breach of the Agreement, the Defendant failed to maintain the required payments and the Agreement was terminated. 3) The Agreement was later assigned to the Claimant on 17/06/2015 and written notice given to the Defendant. 4)Despite repeated requests for payment, the sum of £3,229.76 remains due and outstanding. And the Claimant claims a) The said sum of £3229,76 b) The interest pursuant to s69 Count 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 £0.708, but limited to one year, being £258.38 c)costs Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes in January 2018 Did you inform the claimant of your change of address? No What is the total value of the claim? £3753.14 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Yes, credit card When did you enter into the original agreement before or after April 2007 'Don't remember, may well have been 08/06/2009 as mentioned in the claim particulars Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes 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. The debt purchaser issued the claim Were you aware the account had been assigned – did you receive a Notice of Assignment? I dont remember receiving one Did you receive a Default Notice from the original creditor? Don't remember Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year TBH as soon as I see Lowell on the letter head I tend not to read it - Why did you cease payments? Financial difficulties What was the date of your last payment? 04/12/2012 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? No I'll be sending a CCA and a CPR31.14 request off tomorrow. I was planning a defence based upon SB but with the last payment being 04/12/2012 I don't think that will stick as the COA date doesn't seem to be the last payment date any longer? 2012/13 was a really bad 12 months financially and personally and Lowell have been harassing me for every defaulted debt from this period for a long time. Lowell already have 3 CCJ's on my file, for 2 of them they placed a charge on my property. These were paid when I moved house at the start of 2018. I don't want a new CCJ and I hate the thought of having to pay these guys a single penny more. Any and all help gratefully received
  19. Hi Everyone Back again as Caboot are back. They appointed Marrlin who wrote to me asking for payment in full on a debt that I believe to be Statute Barred. Last contact from Arrgos Card Svces was in 2006 when they sent a notice of assigment. Payments continued to Moorcroft, unfortunately I cannot find the paperwork regarding this issue, it may be in attic. which I will need to access later today. I received letter from Reestons yesterday, the letter was dated 7 days prior to me recieving it. I have to contact them by next Tuesday, if I do not they submit a claim to the county court. This now leaves me less than 5 days to deal with this issue. Do I advise Reestons that I believe this debt is statute barred? Or that that I dispute the debt? or should i ask them to provide a CCA? I have asked a debt collector in past to provide a CCA which they could not do. I beleive I should now send a SAR to ARrgoos card svcs, is that correct? I think that I should also ask Caboot to provide a CCA? is that correct? As this is such an old issue I am not sure where to start with it, and as I have very little time to respond really need to know what to send to REsstons. Whatever i need to send will have to be sent Monday at the latest. Poppay
  20. Hi All I was issued with a claim on 9th January which I acknowledged through MCOL, i need to file a defence soon and needed some advice, am I correct in saying that my defence is due by the 11th Feb? The following are the POCs: date of issue - 9th January POC 1.By an agreement between CAPITAL ONE BANK (EUROPE) PLC & the defendant on or around 05/11/2012 ('the agreement') CAPITAL ONE BANK (EUROPE) PLC agreed to issue the defendant with a credit card. 2.The defendant failed to make the minimum payments due & the Agreement was terminated. The Agreement was assigned to the claimant. 3.THE CLAIMANT THEREFORE CLAIMS 5xx.xx The total amount including court fees etc is £6xx.xx Am I correct in sending a CCA request to the Claimant as I have no documents from them? The answers to the questions you require are as follows: Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Not to my memory What is the value of the claim? £5xx.xx Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? After 2007 (2012 according to POCs) 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. Assigned to Cabot Financial (UK) Ltd Were you aware the account had been assigned – did you receive a Notice of Assignment? Not to memory Did you receive a Default Notice from the original creditor? Not to my memory Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? probably 2013 but cant be sure as this was long ago What was the date of your last payment? Not sure 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? No Roland60
  21. The company we all can not forget, for their poor quality customer service and who cares attitude which landed yes BUST I had a letter in december from them at my new address, the property was built in 2013 so would of been impossible for them to obtain from me. I checked all of my credit files and no searches, Direct Auto finance claim they got it from equifax... so I ask equifax they say no they have not. Direct Auto finance claims that they have the right to trace my address for legitimate business reasons, and they also have to right to still keep 12 years after the end of my agreement all of my data, drivers license, passport, bank statements etc. ICO says not but 3 month backlog, has anyone else had a letter from them? I have also seeked to reclaim gap using the Plevin case as an example, as they failed to advice what commisions were been paid normal brick wall response from them. Now my agreement was late 2005 so not sure if ombudsman or fca with it but they dont seem to like giving deadlock letters etc. Any advice, also if you have recieved this letter about data SAR them it will cost them todo also.
  22. Hello, We recently travelled to Goa India we booked a hotel on bookings.com pay on arrivel, i paid by credit card on arrivel at reception we where shown our room which was fine. We unpacked and decided to go to the pool/resturant area which was on the roof of the hotel, all the way up the staircase was rubbish open food cartons and plastic bags with used toilet paper in, at the pool a bin was overflowing with rubbish including on top a ripped open dirty nappy which birds had pulled apart, This was just 5 metres away from the resturant, the pool itself had no filter system and was a dirty looking colour. We complained to the reception and they said that they would report it to cleaning staff, we went out for the day it was still the same 8 hr later again a complaint was made, and the new receptionists said no report had been made, by midday the following day it was still the same. We demanded to see the hotel owner along with other guests, we were given his phone number he said he would come over in 1 hour he didnt come until 6pm the next day, he agreed to move us to another hotel 2 days later due to christmas busy time this was the only option, we had checked also and the area was full. We paid £900 for 13 night stay, 5 days and 4 nights were ruined due to this we could not use the pool, inclusive breakfast or our balcony seating area, all of which is what we book hotels for, it was like we were in room lock down, we asked the hotel owner for some compensation but he refused. The hotel we moved to was more suitable in the same price bracket. I explained this to my credit card company on return and they said i cant claim any part of the payment back, which i feel is wrong as 4 night 5 days where a nightmare living in a tip, even in room very noisy right through untill 5am, security took no action. Thanks
  23. Hi not heard anything from Restons but I now have a letter from lowell solicitors about a different debt on a capital one card. They have sent me the same PAP letter so I am going to send a CCA to lowell financial and the IBA to lowell solicitors. Just wondered do I send the CCA to lowell financial P.O. box no at Northampton or their head office in Leeds. Lowell solicitors is the same p.o. box no as lowell financial. Thanks
  24. I had a credit card in 2002 to 2003 with The Associates and they were later taken over by Citibank but during the Assoicates time, 2002 I had PPI on the card. Can anyone tell me please where I would send my claim for a refund on ppi. I was self employed in 2002 and was mis sold the ppi. With the letter for a refund do I have to send a copy of the financial ombudsmen questionnaire? Also can I send the form to the financial-ombudsmen on line? Appreciate any help you can give me.
  25. Hello,this is my first post and I am seekng advice. I received a letter of claim from Restons. Following on from the advice given to others in the same circumstances as me, I sent a CCA request to Cabot and downloaded the PAP reply form, from here and filled it in. I followed the instructions on post 6 on the PAP thread. Well hubby did as I couldn't get to type in pdf format. I have receved a reply from Restons but don't understand why they are askng me to explain on a separate piece of paper. I thought I had? restons reply 13 04.pdf
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