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  1. I received ANOTHER Ordinary cause action yesterday. ( am in the middle of defending an Ordinary cause from Y+K already) This time from Nolans, on behalf of Cabot who have bought the debt from Opus (haven't heard of them until now) who were assigned this card from Citi. And along this 'chain of command' I've not had any notice of assignment etc... I'll be defending this one too, in the same way, but quick question - it is nearly 5 years since I had dealings with Citi, and Nolans states in their letter/writ that ALL correspondence must go thru them. I will need to SAR and CCA for this
  2. Hi All. I was going to resurrect the old thread just for the latest judgement, this is an appeal which confirms the view that the coa emanates from the default notice date of course. I know this is an old thread, but there has recently been a test case which proves the point that a COA is in fact the date of the 87DN. Therefore it should be considered as such when calculating the COA and the subsequent barr date. It ties up the large thread nicely https://www.bailii.org/ew/cases/EWCA/Civ/2019/12.html Critically, section 87(1) does not provide merely that a
  3. Got stopped by 4 traffic police cars (that were on a roundabout) they checked insurance and driving license which was all good ! Then started looking around the car and said 3 tyres were rubbing as the car is lowered but not excessive (can send pictures on request) They told me they didn't know if it was legal or not so they took pictures to send away to be examined. they also threatened to take my car away from me but in the end they let me drive away. also the accident happened on 27th of june and I received the letter on 12 of july. does it matter that they sent the let
  4. I work for a supermarket working 35 hours a week, where I wear non-slip work issued shoes. Flooring is concrete tiles. Other supermarkets in the area of the same company have smoother floors. I've been off sick since the 22nd May with a very painful lower leg, just above the ankle bone. I couldn't walk on it and put on some weight on it. From scans, it has been confirmed I have a stress fracture, on the end of the tibia. Been put into a cast for 4 weeks, then a walking boot cast for 4-6 weeks after that. I don't do any sporting activities outside work. These work issued shoes are the
  5. Ok, new here, so please go easy.... First off after reading some threads here today, i feel ive left this a bit long, but any advice is appreciated and will be taken on board. In December I received a Summary Court Summons for £3006.64. For unpaid shop direct handled by capquest. My Return date is 18th January (this is next week i know, so not a lot of time to decide what i'm gonna do) The original account with shop direct was 2010, and it was passed to capquest in 2012. I'm happy to admit full liability and offer to set up a repayment plan. BUT, if i reca
  6. Wonder if BiliffCos and DCA;s will suffer on this one? EU GDPR on data processing regs might make it difficult where a debt and associated data is being passed around freely, also implications for Credit Reference Agencies, and Marketing companies as Data Subject must give explicit consent for the data processing From the article link below: http://www.idgconnect.com/abstract/24102/from-insular-us-firms-spammy-marketers-who-gdpr-hit-hardest ‘Privacy by design’, ‘access rights’ and ‘breach notification’ “One of the changes due to be implemented in GDPR is the explicit rec
  7. Hi all. I got into more than £50k of debt a few years ago and ended up in dire financial trouble. I read up on these debts using a site called ****** and used their three letters method to deal with the banks, credit card companies and DCAs. A couple of weeks ago I received a writ from my local Sheriff Court as seen in the photos: I'll be honest, I'm terrified now. I get limited legal cover through my work i spoke with a solicitor. He was decidedly unimpressed with the letters and advised me to do a trust deed. He says Cabot are a big company and will de
  8. Ebay has decided in its wisdom to allow a link through advert for Ocean Finance in every UK listing. In the name of making a small amount of money they have done something that will cause insult to every catholic and moslem customer by forcing each seller to display an advert for a company that under the doctrines held by both religious groups is promoting ursury and forbidden. As this covers more than half of the world's population I really hope they have thought this one through as I cant see the benefit of upsetting that many people and breaking the law in many countries from as near as I
  9. Fines for misusing bus lanes are overtaking parking tickets as the main cause of complaints from drivers, according to the AA. The motoring group said thousands of drivers were being "entrapped" by worn road markings and poor signage. A junction in Lambeth, south London generated the highest number of fines, totalling over £6m, the AA claimed. Lucrative rat traps' Edmund King, AA president, said: "Whilst we support the use of bus lanes in the right places, functioning at the right times, we are totally opposed to 'entrapment' cameras on poorly designed or poorly signe
  10. I have painstakingly repaired an old Sony Network Walkman NW-HD1 have the 2.3 disc but ofcourse this does not cover or allow the playing of MP3 files the later 4.3 updated software does. now there are loads of sites that either point to the now defunked sony update link or ofcourse poke you a virus file which is nothing to do with it. does anyone par chance have a working download [proved] or a copy of the disc sonicstage 4.3 that they can send me an .ISO of? this for a disabled user that has learned for years to use this devise and c
  11. Hi, Great resource and wish I had the knowledge to help as so many of you do. Perhaps they way I can help is tell my story and have the advice here that may help put someone else mind at rest. I have received a summary cause summons from cabot today. Relates to old clydesdale loan. My business went under in 2009 and everything pretty much went to pot. Struggled to pay my bills for a while then the defaults kicked in and had house repossessed after a a few painful years (another story sold cheap so owe the bank still) I have not heard anything on this debt
  12. Hi, I'm hoping for some advice re. an ordinary cause action I'm defending in Scotland . The Pursuer is Arrow Global with Shoosmiths acting as their solicitors - pursuing an alleged debt of £7,239 which they claim was assigned to them by HBOS. The last day for submitting any adjustments to either the writ or defences is 1st April (i.e tomorrow!!). I had previously requested a lot of relevant documentation regarding this case, but heard nothing until today when Shoosmiths telephoned me, saying they now had the documentation I had requested and asking if they
  13. Hello. I just need a bit of advice please. For the last three years I live in a council house . My neighbour is taking drugs, dealing drugs, has complaints from the previous tenant for noise and threats, they robed the house through the loft when the previous tenant was in hospital etc. The police knows about it and admit it but as they put it there is not enough evidence therefore can do nothing. My issue is that the council at the time they moved my family in this house knew about the drugs and the theft (they had reports and complaints from the previous owner) but they didn't let us know a
  14. I bought a salvage vehicle earlier this year. Repaired it. It was a cat. Then later on the car was reversed into by a tesco insured driver. My vehicle was taken away to the body shop while i had a courtesy vehicle. Two weeks later i was told that as my vehicle had been involved in a previous accident and the damage had not been fully repaired. My insurance company offerred me £100 as salvage and told me the vehicle would be a cat c. I asked for the engineers report which stated that the damage was similar to the damage the vehicle had
  15. My husband has a Audi S4 13 plate which had to be recovered and taken to an Audi Centre due to electrical fault. On board computer as they called it went mental putting out all sorts of messages and cut power on the car. It turns out that some wiring insulation and sound proofing has been damaged by rodents and the wiring has been damaged but this is not covered by the warranty. Apparently they see quite a few cars coming in with this problems. After living over 23 years in the same place my husband cannot understand why this has happened to this car. After doing some research it appears
  16. Hi, I am looking for some advice on the action Lloyds made against my account. I am student and have had my £500 student overdraft facility removed. Reason being as they said, I have not used my account since late July this year. I am now on a study abroad course which means I am taking one year as part of my degree in the USA and return May 2015. I left UK August so I have not received some of their letters. However my mother now sends letters to my address in the USA and was only notified once that the overdraft was already removed. I also noticed my account was set to a graduate's acc
  17. Hi All, Am in middle of efforts of defending Claim from local council against my former partner (kids etc)/her business - total over 10K plus 8% interest for amounts due against 4x invoices for years 2008-20012. Partner knew these were wrong; missing several thousand - had tried (by phone) to locate with P'tiff, before business had to close. Informed P'tiff of this, who demanded proof (though paid in correct account) - these were provided. By return came letter/statement; letter demanded original sum/full interest, cited Aug 08 as Cause of Action, then acknowledged/located amounts fr
  18. I need some advice. I am dealing with a small estate. There are two executors and the two executors share the estate. There is still money to be collected before the estate can be settled but the other beneficiary is getting impatient and raised a writ for her half. I have responded to the writ and there have been a couple of adjustments. There was an Options Hearing a few weeks ago and the other side asked for a continuance. I did not agree and stated that I wanted to proceed there and then. The Sheriff looked at the paperwork and noted that I had submitted a note in support of my
  19. New analysis shows alarming numbers of debt-laden households vulnerable to minor rate rises - even in a positive scenario of rising incomes The number of households spending more than half their income servicing debts - which stood at 870,000 before the crisis in 2007 - could exceed one million in coming years if the Bank Rate climbs just 2.4 percentage points to 2.9pc, new research has warned. If such large numbers were drawn into “debt peril” the consequences would be “profound for borrowers, the financial sector and the ability of consumers to contribute to economic recovery,” the rep
  20. A ban from the advertising watchdog lifts the lid on the murky world of payday lending. FirstPayDayLoanUK is the latest payday lender to get its knuckles rapped by the Advertising Standards Authority. It has been banned from sending unsolicited texts that purported to be from "friends" who were out partying after having their bank balances topped up by the lender. The ASA quite rightly ruled it was irresponsible to suggest that these expensive short-term loans should be used to fund a social life. And it also expressed concern that the messages looked like personal ones, as opposed to mar
  21. Amazing story !! http://www.bbc.co.uk/news/uk-scotland-glasgow-west-20805966
  22. (Oh joy, just in time for christmas! What a lucky so and so I am!) Hi All, need a little help with this Poc; Money due for creditcard services, pursuant to a credit agreement regulated by the consumer credit act 1974, supplied (card number) to and at the defendants request as detailed in monthly statements rendered culminating XX/XX/XXXX. Sum due at XX/XX/XXXX is £XXXXX.XX. Statutory interest to date at 8%pa £XXX.XX. The claimant claims £XXXXXX.XX, plus continuing statutory interest at £X.XX per day, pursuant to section 69 County courts act 1984. Costs. So far as I can te
  23. Credit card customers are at risk of being saddled with debt for decades following a double whammy of rate hikes and cuts to minimum repayments. Interest rates on credit cards are at an 18-month high after shooting up to an average 19.1 per cent, according to price comparison website Moneyfacts. Meanwhile, a handful of lenders are cutting minimum monthly payments. Lloyds, RBS and Santander ask customers to pay £5 or 1 per cent of their balance. Previously, minimum repayments were upwards of 2 per cent. New rules introduced in April 2011 mean minimum repayments must also cover interest plus any
  24. Briefly, - I have been taken to court in an ordinary action. My case is remarkably similar to one in another thread by someone called 'GLW'. However - I couldn't access any kind of legal help and have been forced to try and defend the case on my own. I am at the stage where I face an options hearing tomorrow. I some quick and urgent questions. 1) The pursuers didn't post their FIRST note of adjustments or inventory of productions until the very last day. Like GLW their initial write was based on utter tripe and their adjusted writ is still a bit 'wrong' - I have put a note in wit
  25. Now we are to share the responsibility of assessment fails...... "BLAME SHARED" over benefit test failures http://www.bbc.co.uk/news/uk-19906596 When will the ConDems stop and look in the mirror to see who actually is to blame....
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