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Found 17 results

  1. Hi, Ive CCA'd Mint for my card agreement and they have seemingly sent a good copy of a signed agreement. They also attached a 3 pages of a photocopied set of Terms & Conditions. Lots of very small print that will not scan & copy very well so have not included it here at the moment. Could someone please have a look at the Credit agreement an tell me if you think that it is enforceable or what action to take next to try and verify it. They sent current T&C's plus a Card re-issue letter with associated T&C's Also current outstanding values owed to the account.
  2. HELLO Recently I had an car accident hit by the other car. I have the dash cam footage as well. the driver told me to deal with her wife (owner of car) and just gave her insurance company and showed me the email of the insurance. However after 2 days of that accident my insurance company told me that that car was not insured. Probably they might have cancelled the insurance before it commenced and they are not picking up my phone. I already filed a complaint against them with police . How can I get my car fixed? Do I have to hire the solicitor or can
  3. Hello CAG community, Today I received a Count Court Claim from my ex employer for just over £9,000 (including £410 court fee). I have 12 days to decide if I am going to respond with acknowledgement, to apply for 28 days to build my case, or respond with a defence. The space they give you to write a defence is very insufficient. I imagine I could write more online. I can not afford a lawyer and will most likely have to represent myself. The court has an NN postcode and is not close to where I live in the West Midlands. The story: I accepted a job from an e-commerce employe
  4. I have received a County Court Claim from RBOS. However, at the time I received it was too late to reply until after the 14 days. I have done an acknowledgement online and emailed the court for advice but so far received nothing back. The actual alleged debt is in dispute due to outstanding requests for a proper agreement. Can I ask what I can do please? I have heard nothing and not had chance to submit my defence, am I up the creek so to speak or is there something I can do? Thanks
  5. Have received in the post today a PCN from Parking Eye for over-staying in a car park at a retail park in Dewsbury. Details as follows: Date of the infringement: 31 August 2016 Date on the NTK: 6 September 2016 Date received: 10 September 2016 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012? Yes Is there any photographic evidence of the event? The letter includes 2 time-stamped photos of my car registration plate entering and leaving the car park. Have you appealed? Not yet - wanted to get advice from here first. Have you had a respons
  6. Name of the Claimant ? MKDP LLP Date of issue - 11th April 2014 What is the claim for – 1."The claimant claims the sum of £xxxx.xx being monies due from the Defendant to the Claimant under a regulated agreement originally between the Defendant and HSBC Bank Plc. 2.The Defendant's account number was xxxxxxxxxxxxxxxx and was assigned to the Claimant on xx/12/2011, notice of this has been provided to the Defendant. 3.The defendant has failed to make payments in accordance with the terms of the agreement and a default notice has been served pursuant to the Consumer C
  7. I'm confused whether it is the Defence or Counterclaim box I should write in, on a Defence and Counterclaim Form. Is the counterclaim section only for money above what I have withheld to offset another electrician completing work or is it should this section be used to claim use of the money I've withheld from him? An electrician has claimed in County Court for payment I have withheld as work left unfinished. (He has claimed nearly £1500.00 although amount withheld £1127.83. He has not put in particulars why claiming more.) £2809.44 has been paid. Lots of i
  8. Hi guys, I got a ticket from Civil Enforcement last year. I have since been following the popular advice online and have ignored all correspondence with them from all the dirty tactics they were using by switching names in every letter (and using names of fake solicitors companies) and their heavily threatening letters. However, i now have what appears to be a genuine County Court Claim from Northampton county council, with what appears to be a genuine seal and claim number (sticker)! They claim I was parked for 2 hours and 16 minutes in a co-op car park where
  9. Hi everyone, I hope you can help me. In brief I contracted roofer to repair leaks. Full known work was not known until scaffolding up. Roofer repaired what he thought was the problem (according to quote). Identified another problem. Said could not do work as he was busy but then backtracked. I agreed to work, said I'd pay half now and the full amount (plus new work) when work completed. He refused and said he would do nothing until full payment received for first job. Next he emails me saying as I have not paid he will contact his solicitor. I receive a claim against me. He did not give me 3
  10. Hi I am hoping someone can help me out . I have received a County court claim form off Lowell Portfolio I have already spoken to the citizens advice and they have told me that the claim is Statute Barred as it is from over 10 years ago and i haven't had any contact with them. Right now is the confusing bit! On the claim form they are trying to say i owe £470 in interest calculated at eight percent. How does this affect the Statute Barred or doesn't it ? Also what should i put in the Defense box section 3 ? In fact what should i tick or not tick in all of them ?
  11. Hi Caggers, I could really use some advice please. This is a bit long winded but I don't want to leave anything out. I had a capital One CC back in 2001 with a balance of £250 outstanding. My newborn son was in Hospital for a few months and during this time I was obviously spending all my time in the hospital and not working. I tried to claim on the PPI insurance that I had with them and they told me that I wasn't covered so in a rage I told them to stick their card and sue me if they thought they were going to get another penny out of me. they defaulted
  12. As suggested starting new thread re Court Claim from MKDP LLP re HSBC Loan. Claim Form dated 29th April 2013. Particulars of Claim The Claimant claims the sum of £1x,xxx.xx being monies due from the Defendant(s) to HSBC Bank Plc under a loan agreement regulated by the Consumer Credit Act 1974 which was assigned to the Claimant on xx/xx/xxxx. Notice of Assignment has been provided to the Defendant(s) . The Defendant(s) loan account number was xxxxxx/xxxxxxxx. The Defendant(s) has failed to make payments in accordance with the terms of the loan agreement. A Default Notice has been
  13. Hi Guys. Sorry i am posting this thread again. There where some tech issues with the previous ones. I had two credit cards with MBNA, one was Sony and the other Virgin (thread found here) This one received a county court claim last month. I owe around £3000. I acknowledged the service, extending my 19 day deadline to 02/01/2013. I have tried my utmost to get legal aid, but i am in a black hole situation where unless i or my partner move out (we recently split up, but still live together), i cannot get legal aid. I called Santanders Legal Assistance service which
  14. Hi Hopefully I am in the right place. I have received a Claim Form from Northampton (CCBC) and am not sure if there is anything I can do about it but would like to try. Any help would be appreciated, even a little guidance on how to complete the response pack. The particulars of claim (issued 25 July 2012) are as follows: The Claimant's Claim is in respect of a credit facility, xxx etc., provided by Cahoot at the Defendant's request on 27/06/2002. The agreement was subsequently defaulted. Failure to meet requests for payment resulted in the account being terminated. On 26/
  15. Hello Caggers, I hope someone can help me on this from Vanquis If I have put this in the wrong forum please forgive me. I noticed from a statement earlier this year that PPI was being charged on my Vanquis credit card. I contacted them to dispute this and seek a refund. They requested 40 days to look into it and at the end stated that their telephone records showed that I had known about this when my application was taken over the phone. This is where it gets silly because my application was taken out online and at no time did I know about PPI being added and neither did I apply on t
  16. 14 months Assured shorthold tenancy started Sept 2009, end Jan 2011. LL presented me with ridiculous charges for administrative costs in chasing up utility companies at £100 per company, totalling £300 (electric/water/council tax). There is no clause in the tenancy agreement, which obligates me the tenant to provide the landlord with final bill statements. All bills were paid in full, in due time and I have rang up each company asking if there was any correspondence between themselves and my LL to substantiate the LL's claim. The answer was 'no' in each case, and as far as I know it
  17. I hope that some readers will be their to support me on December 07 at 3pm Aldershot and Farnham county court. Reston's solicitors have applied to have my claim thrown out of court. It has taken me 1.5 years to get my financial transaction data from MBNA and only after involving my MP and FOS. Since around January 2009 I have been charged £3,800 in legal fees by Restons Solicitors on behalf of MBNA. I have £6,800 in undesclosed charges that neither Restons or MBNA can explain I have 6 letters which it is clear have been forged. MBNA sold my debt to Reston solicitors for 0
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