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  1. Hi, I'm new on here and could do with some help, please. 12 weeks ago my friend ordered some parts for a roof extension he was making. He was verbally promised that the parts would be with him within the week. He paid a 20% deposit at this point. 9 weeks later the parts arrived and he was happy with them. 2 weeks ago my friend received a voice message from the company threatening court action if he didn't pay up. He then wrote to them (recorded delivery) to request an invoice as he planned to pay. This weekend they eventually sent the invoice for the amount plus £185 C
  2. I had a new boiler fitted by a shade greener on 16/12/14 when i say fitted it was a very windy day when it was fitted and they left a Couple of jobs to finish of like fitting the weatherseal to the flue and clearing all the brick dust they had covered everything in my attic with' these jobs i was told would be done the next day but they were not Finally after many facebook messages and phonecalls a fitter was sent to return on his way home from work when it was dark he refused to go up the ladders as it was dark and there was nobody to foot the ladders and he onl
  3. Hi Could someone please help as I'm very new to this. I've just received a letter dated 3rd July from what looks like it's from County Court Business Centre. It says the claimant is JC International Acquisition LLC and the name for payment is Moriarty Law. It says I haven't replied to the claim form and am ordered to pay £1655.2 or £50 a month? It doesn't show what I owe it for but from looking at other posts, looks like it may be Talk Talk. Any help or how to respond will be much appreciated. Thanks in advance!
  4. help!! I received a county court claim for northampton county court off lowells on the 18th july for £393 for an alledged old studio debt. I sent lowell a prove it letter asking for the deed of assignment, notice of assignment, default warning letter and the default notice. I received a letter back from them stating the deed of assignment will not be sent as it is a confidential agreement between their client and the original creditor and no other agreement/deed of novation exists between you and our client. I sent a second letter asking for the same details plus the origin
  5. Hi, I don't do Facebook so I have started a thread on the MoneySavingExpert forum - The Acenden (administered mortgage) Escape Committee in the section called "Mortgage Free Wannabe" (I can't post links here yet). - Acenden have apparently recommenced selling mortgages on behalf of their new owners. Do join me there. I will post more information on that new thread in a while, eg about the danger signs that indicate that Acenden means to repossess. Everyone's case is unique but there are things we can to help each other get clear of these cowboys.
  6. Hi all, I have been a member of my local DW Sports gym for around 2 years. I cancelled my DD with my last payment being 3rd Nov without letting the gym know. I did not attend my gym after September due to a knee problem that i was/am struggling with. Yesterday I received my first correspondence from the gym through "Major Law" in which it claims that they have prepared a county court claim and is ready to be issued against me. They also claim to have contacted me "previous correspondence sent to me by ARC" which i have not had one single letter. I find it pretty disgusting th
  7. Hi, Due to ill health, I gave up work several years ago and at the time I was dealing with my debts through a DMP.[payplan] Since not working, I had to reduce my repayments and then eventually stop them altogether. this has caught up with me and I have now received a County Court claim form from Cabot / Mortimer Clarke Solicitors for an old Halifax credit card debt. I have somewhat buried my head in the sand over the past year or so and have become very lax in reading DCA letters. I really have no idea if I have ever received notice of assignments
  8. I am accused of trespassing into a neighbour's garden and cutting down 5 trees.....however the trees were in my garden and were planted by my father 32 years ago. The Claimants are asking for £14,500 I have been served a claim and I have returned the service of acknowledgement I have prepared a lengthy defense including photographic evidence and witness statements. I had a visit from a chartered surveyor yesterday who has told me not to submit a full defence but rather a letter stating that I have a surveyor who will make a statement and complete drawing to support my defence
  9. Hi everyone I wonder if you can help. I've scanned the Nationwide thread and can't find anyone who seems to be in a similar situation as me, so I hoped you may have some advice or could point me at nyone who may be in a similar position. I had a Nationwide Credit Card that went into arrears at some point between Dec 2008 and February 2009 (so unfortunately not Statute Barred yet) Over the years I've had numerous agencies chase this debt and unfortunately being a mixture of disorganised and a bit lazy I never got round to sending any letters to these agencies to di
  10. I got a ticket in (Wiltshire) Morrison's in September. Had been seriously ill and was at the docs that day then returned to the car (after shopping in Ms) 8mins late - I was also very new to the area having just moved and discovered their ticket wanting 50 quid. I send a letter explaining the situation with a cheque for £4 which measured against the council car park was double what I'd have paid had I parked there, 50 quid for being 8mins late under the circumstances was outrageous. I shouldn't have sent the letter..now I've entered into a contract with them right. Anyway I fo
  11. I was taken to small claims court and I lost, the reason that I lost was that the claimant lied in court and the judge completely ignored my evidences and witness statement, also the claimant in question was my former tutor and I got some advice from a solicitor friend and the solicitor says that the judge was bias to the teacher and automatically believe in the words of a retired tutor and ignored the students side of the story, so at the end of the hearing I asked the judge for an appeal. She asked why and I then said that the tutor made false allegation and she did not presen
  12. Hi, I went to the court with my landlord who served me a section 21 notice and my defence was that this last did not protected the my deposit nor returned it but surprisingly the judge has given the order for possession to my landlord. As a result, I am making an appeal and for this purpose I am filing the form N161. However, I would like to know in my case, regarding the field "Nature of the decision you wish to appeal" which of the following I have to choose (the judge refused my first appeal at the hearing and gave me a copy of a document called "Reasons for allowing or refusing p
  13. Hello, This is my first post here so forgive me if i don’t get it exactly right, but using some of the threads I have read as examples of what is needed so I have tried to keep it concise. I really could use some help please. I have received a claim through the county court for an account that I had back in 2006 with HSBC. The claimant is stated as Reston’s Solicitors acting on behalf of MARLIN EUROPE I. I have submitted my AOS online and intend to defend the whole amount as I believe it is made up mostly of charges from when I was a student. However, I’m at a
  14. Hello,I'm hoping I can get some insight on my current situation with my Local AuthorityI've been a Council tenant since 2006 (my agreement is secured) - the property is a house flat; I'm on the ground with a tenant above and below meIn Oct 2008 on returning from work my living room had sprung a leak from the drop down/ boxed in area of the ceiling - was reported to the repairs team, plumbers & surveyors came out took a look and I was told it was fixed.In Oct 2012 again on returning home from work the leak had happened again and again plumbers and surveyors came outThe Council had said that
  15. Hi all Im in a bit of a panic, I have received two claim forms this morning both from Northampton County Court where the claimant is Marlin Europe II Limited, the original debt is from Lloyds Tsb Bank PLC on the first one it says: The claimant claims payment of the overdue balance due from the defendant under a contract between the defendant and Lloyds Tsb Bank Plc dated on or about 23/04/2004 and assigned to the claimant on 31/10/2012 in the sum of £1563.45 and on the second: The claimant claims payment of the overdue balance set our below which the defendant have failed to pay
  16. Hi, could someone help please? About 18 months ago I received a parking ticket from Civil Enforcement Limited. I went online and the advice was to ignore it.. I did but now I have a county court claim against me for £373.00. I have now been told my credit rating is very poor, what can I do?
  17. Hi all, today I've recieved a Court claim (Northampton) from Howard Cohen on behalf of Santander. The amount they are claiming is £174.09, from an old dorothy perkins/ GE Capital storecard. I intend to try to counter claim but not sure exactly how to go about it Basically I SAR'd them in January this year and they sent a copy of the agreement and a few statements. From the statements they did send, I was able to work out that I have already paid around £2,000, including PPI which I tried to cancel twice. Three things were purchased on this card in total amounting to less
  18. Hello, I have a county court claim form (scan of front page attached) filed by Drydensfairfax with Arrow Global Guernsey Limited as the claimant. The claim is for £10,478.26 + costs + fee = £10,768.26. This is for the MBNA credit card which I originally asked for assistance concerning in Feb 2011 (see posthttp://www.consumeractiongroup.co.uk/forum/showthread.php?293514-MBNA-Allied-International-Credit&highlight= - that was with AIG and I never received a response to the SAR request at that time. I wasn't aware that the debt had been transferred to Arrow Global since. I have received s
  19. Was in Court back in May to suspend an eviction. Arrears of £2800, monthly payment of £498. Agreed to repay contractual payment plus £150 per month to clear the arrears and a £500 sum within 7 days. Paid the £500 on the 5th day. Paid £650 for the following 2 months. Then, Augusts payment was only £450. I paid £200 & £250 in seperate online banking transactions. We sent a £200 cheque, which was never cashed. This months repayment of £650 was made in 1 transaction on the online banking the day it was due. Then this morning received an eviction date of the 16th
  20. Hi, hope you can help. DCA (Sigma) has issued a summons against me, the debt from an HSBC Overdraft Account having been sold to them: Fist port of call was forum/showthread.php?241827-Legal-Action-how-to-start-off.-IMPORTANT-IF-YOURE-BEING-SUED P.o.C (Particulars of Claim) NOTE: Cant post links yet but this provides additional info forum/showthread.php?349072-HSBC-DCA-has-issued-summons-for-interest-on-default-notice&p=3829736&viewfull=1#post3829736 forum/showthread.php?139265-Bryan-Carter-And-solicitors-how-to-defend-ccj-claim**WON**&am
  21. Hello! I owe just over £250 to a man I bought items from. Through no fault of his I failed to pay half of what I owed due to falling into unforeseen financial problems (I only paid around £250 when I should have paid a total of £500). The man took me to the County Court and I've been ordered to pay the amount plus £25 costs. I've not yet paid because I can't afford to pay in full for another 3 weeks. Judgment has not been entered against me - I checked with the court. Today I got the following email from the man: "Dear XXX In anticipation of a ruling by the County Court and su
  22. I have been paying CL finance on a regular basis for about a year but in March i missed a payment and April too, i called today to pay what i had missed and continue my payment plan and they said i had to pay the full amount with in 3 months as court proceedings had already started to issue me with a CCJ. I have received letters but about taking me to court but i ignored them as i thought they wouldnt do it. The amount was £980 but has gone up to around £1180 with fee added on for letters and solicitor fees, i could afford to pay it in around 10 months but not 3. I have checked
  23. Hi everyone Can someone help with a query re different courts and debt? I had a costs certificate issued from London regarding a case I am still fighting. I applied for this to be set aside as the matter isn't finished. The hearing will take place in two weeks about this. However, today I received an Order of recovery of award from my local court. I am confused and not sure what to do next Scott
  24. Hiya! I was wondering if anyone could help me. I apologise if any of this has been asked before. Basically, my boyfriend moved in with the flatmate from hell last year and now she owes approximately £1,300 to date in unpaid rent, utilities, council tax and other miscellaneous expenses that they agreed to each pay half of whilst living together. We have already sent a letter of intent and she has not replied (it's confirmed she's received it) and the month we gave her in the letter to respond has run out. I have a couple of questions about the N1 form: 1) My boyfriend is stil
  25. Dear All hope you are well , I am new here , I got hearing court on 9th Feb 2011 . I am disputing bailiff expenses and charge certificate and order for recovery to revoke . this is copy of my statement : I am writing this letter as a support statement to my case filled on N244 form explaining the series of events that took place after receiving an initial Penalty Charge Notice on the 29-11-2010. Once I had received the PCN I appealed the charge on the 05-12-2010 stating why the ticket was issued to me incorrectly. (Evidence attached) to which I received a reply f
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