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Found 2,999 results

  1. Name of the Claimant Lowell Portfolio 1 Ltd Date of issue – 07/01/2019 date to acknowledge 25/01/2019 date to submit defence – 08/02/2019 Particulars of Claim 1.The claim is for the sum of £310, due by the defendant under an agreement regulated by the consumer credit act 1974, for a SD account. An account with reference of …… 2.The defendant failed to maintain contractual payments required by the agreement and a default notice was served under s.87(1)under the consumer credit act 1974. Which has not been complied with. 3.The debt was legally assigned to the claimant on 27.01.2017, notice of which has been given to the defendant. 4.The claim includes statutory interest under s.69 of the county courts act 1984 at the rate of 8% per annum from the date of assignment to the date of the issue of these proceedings the sum of £26 the claimant claims the sum of £340 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ?NO What is the total value of the claim? £420 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Catalogue When did you enter into the original agreement before or after April 2007 ? After Is the debt showing on your credit reference files (Experian/Equifax /Etc...) yes to lowell 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. Debt purchaser 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? No Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? redundant What was the date of your last payment? cant remember will see if its on bank statemewnt 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 dmp - Yes and no ….......... received a claim form yesterday, have acknowledged service. just about to do letters to creditor and solicitors will keep you all updated as i go
  2. Name of the Claimant ? Lowell Portfolio I ltd Date of issue – 05/12/2018 Date to acknowledge - 23/12/2018 date to submit defence - 07/01/2019 Particulars of Claim What is the claim for – 1) The defendant entered into a Consumer Credit Act 1974 regulated agreement with Vanquis under account reference ***** 2) The Defendant failed to maintain the required payments and arrears began to accrue. 3 The agreement was later assigned to the claimant on ****/2017 and notice given to the Defendant. 4)Despite repeated requests for payment, the sum of £26** remains due and outstanding. And the Claimant claims a) The said sum of £26** b) Interest pursuant to s69 County 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 £0.50, but limited to one year, being £200 c) costs Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes i think so What is the total value of the claim? £2900 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 April 2007 ? after 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. assigned to lowell Were you aware the account had been assigned – did you receive a Notice of Assignment? i didn't receive a notice of assignment but i may have received the odd letter Did you receive a Default Notice from the original creditor? no Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? no Why did you cease payments? I honestly can't remember, i had a lot going on at the time and i did think it was all paid up What was the date of your last payment? 2015 Was there a dispute with the original creditor that remains unresolved? no, although i've no idea how the total is so high as its way above the original credit limit Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? i'm not sure, but i did start a payment plan with them for a while in a bid to stop them defaulting me, I'd missed 5 or 6 payments then started paying again under this agreement for a good few months Hiya, I've received a claim form from Lowell for an old Vanquis debt. I have beat Lowell in court once before for an old catalogue debt, but that was a while ago, and a bit different because I could prove from the information they sent me that I didn't owe the money anyway, and that was struck out. I'm a bit nervous, and as this is for a lot more money than before, and its quite a while since I had to do this so was hoping I might be able to get a bit of help from here. I've been online to try to acknowledge the claim, however mcol has my old address and I cant seem to be able to change it, has anyone any idea how? Also, before i send, am i right that its a CPR31.14 to the solicitors and a CCA to Lowell? Should i also send a SAR to Vanquis? My credit limit was never anywhere near the amount they're claiming I'm sure, so I've no idea how the amount has got this high! This is the form filled in that you request: Any help would be massively appreciated!
  3. Hi, I had an agreement with MBNA where they would hold all interest, as long as I paid the debt off within 10 years. The amount owing was divided up in 120 months (10 years). However, in the mean time, they have decided to sell the debt, at the same time as our financial situation has changed. The monthly payments are now less. They write to inform me that I am in arrears. The DCA have said the following, is this right does anyone know?? The payment was set by MBNA, based upon, I assume a previous Income and Expenditure form at the point of being 'charged off' which means no further interest is applied to your account but it does mean that this is your 'normal monthly payment'. This can not be amended now as it was sold on this way. It is also less than the 5% normally applied to credit card accounts. And so, we are happy to accept your offer of payment but as it is does not meet your contractual payment the arrears will continue to accrue. We have a legal obligation to reflect accurate data to the Credit Reference Agencies, which also includes arrangements, missed payments and arrears and so your data entry at the credit reference agency will be updated with this information.
  4. Loan was with the AA. It was taken out in 2005 I think. Without checking I'm not 100% sure. Unsure about PPI but I have sent them a SAR to check.
  5. Hi all, I recently CCAed all my creditors in order to try and sort out my finances finally. I have been paying £1 token payments to each, having defaulted on all over 6 years ago. I have moved house a few times since and have lost track of what has happened to them all. having sent a CCA request to Robinson Way, who I originally dealt with for a Halifax debt, I received a strange reply, returning my £1 PO, and saying that "the account is closed on our files, please contact our principal". This was written on a very unprofessional piece of paper that looked more like a memo than a letter! Has anyone got any advise as to how I should proceed with this? The 12+2 days are definitely over. As Robinson Way were dealing with this, is it still their responsibility to respond to my CCA request? Thanks AM
  6. I have six outstanding debts that defaulted over six years ago. Five have been passed on to DCAs, one remains with the original company. I pay a nominal amount each month. From reading various threads on the site it seems that once passed to a DCA payment should still be made to the OC. I am confused because in the case of an outstanding amount to the AA they have only recently sent a letter advising they have assigned the debt to Intrum. In the case of four of the other debts I am confused as to who I should be paying, especially when you receive a letter from a DCA saying they have bought the debt. If they haven't then how do they get the debt and if I pay them why does the OC not contact me when the monthly payment is missed?
  7. Name of the Claimant Hoist Finance UK Holdings 2 LI Date of issue 30 NOV 2018 Particulars of Claim 1.This claim is for the sum of £1678.00 in respect of monies owing pursuant to an overdraft facility under bank account no XXXXXX The debt was legally assigned by Hoist Portfolio Holding 2 Ltd (EX SANTANDER UK PLC) to the Claimant and notice has been served. 2.The Defendant has failed to repay overdrawn sums owing under the terms and conditions of the bank account. 3.The Claimant claims 1. The sum of £1678.00 2. Costs Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ?I don't believe so What is the total value of the claim?£1863.00 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Bank Account Overdraft When did you enter into the original agreement before or after April 2007 ?I think it was after 2007 Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?No 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. Debt Purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? I don't remember receiving one Did you receive a Default Notice from the original creditor? I don't remember Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not that I can recall Why did you cease payments?couldn't afford payments due to low income What was the date of your last payment?Don't remember, nothing for at least 5-6 years Was there a dispute with the original creditor that remains unresolved? I don't believe so Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?I'm sure I would have mentioned financial struggles and tried to but can't say this for a fact. ……….. Hello everyone, have just received a claim form from Hoist Finance regarding an old overdraft debt with Santander. If memory serves me well this debt is at least 8 years old, maybe more. This has come at a horrible time as I'm currently being assessed by my GP for suffering with depression and anxiety. I'm a University student and have already had some of my modules postponed for this. Not sure if any of that matters but figured I'd inform you guys of the full story. Haven't worked in a year but I'm on a zero hour contract and I'm still technically employed with the company (Could get work in the next two weeks if I ask for the hours). would love some help battling this, thank you.
  8. Received a letter today from Vanquis and also Lowells together stating my £1900 CC debt has been passed to them CCA Lowells and SAR Vanquis?
  9. Hi all , I left Australia almost 5 yrs ago very quickly due to a family emergency . I had a car loan a credit card and possibily personal loan . I thought at the time I cleared them all . Now this week the I received a letter from a UK based solicitor acting on behalf of an Australian debt collector asking g me to pay 10 k back . I do not think I even owe this money . I probably do owe something but I can't imagine it's that much . Citizens advice have told me I can send a letter requesting more information on the debt without actually acknowledging it . Any advice would be very useful on this matter . I have a mortgage on my property now and will all this affect my credit rating in the future ? Thanks Cman
  10. I know there are a few threads on similar subjects here, but wanted to set out my exact circumstances to see if anybody could advise on my next course of action. The usual story, lived in the UAE for four years, topped up a loan to pay for accommodation and expenses. That was all fine before I was made redundant in early 2017. With accounts frozen, felt I had no choice but to get my stuff together and return to the UK. Debt is around 100,000 AED. I've had all of the normal emails, them trying to call me at my place of work, etc, but now appears they have enlisted the help of a UK company, International Debt Recovery, who I see ran a credit check on me, where I presume they got my address. Have received a letter from them, where they namecheck HSBC Middle East and ask me to get in touch in the "next seven days". I have since received a text message from them, too. What are my options here? I'm in no position to pay back the £ currently, and I understand that they're not exactly accommodating when it comes to payment plans. I have taken on a mortgage since I returned to the UK with my wife, but that's only been in the last eight months and it is a first time buyer scheme, so very little/any equity has been built up. Just looking for some advice really, have read elsewhere that people have ended up bankrupt over this, so must admit I'm slightly concerned. Thanks in advance.
  11. I am hoping I can get some advice on my Xercise4Less membership. I signed up with them in 2014 and did attend the gym for 2 years. When i signed up the person who i spoke with told me that there would be no contract and that i could cancel my membership whenever i wanted which seemed to me like a good reason to join just incase i needed to cancel. i finally cancelled the membership May last year due to me and the wife having a baby and not being able to attend anymore so i didn't step foot in there for 2 years. I called in at my local gym and spoke with girl at the front desk explaining all this to her and she just told me to cancel my direct debit and said to leave it with her and not to worry, she never asked me to fill in any form just aked my name and she would short it. Since i have done this i have been receiving a lot of emails texts, letters from CRS most recent one being the 19th of January which has my old address on it for some reason and telling me i owe another £138.50 on top of what they already said i owed,which brought it to £243.47. The other emails i have received form them have my new address on and the total amount they first asked for was £207.47 this just doesn't add up??. I have spoke with them before over the phone which i regret doing back in August when i received my first letter and it didn't go well. Since then i have sent numerous letters to both xercise for less and CRS and only CRS have responded. I did say in one of my letters that i would be willing to pay the cancellation fee but that fell on deaf ears. I have been getting advice from your forum reading other poeples post on here, so i have ingnored them since. Any advice? Thanks Chris
  12. Hi, I have read a few of the debt recovery questions and threads and lots of good information, however, everyone is a little different which brings me to my query. In my case I did not do a runner from any debt and tried to settle everything legally before I left. In 1996 while working out in UAE I bought a vehicle on finance (Oman Bank renamed to Mashreq Bank now were the financiers). I made the repayments regularly until I lost my job a couple of years later when the company was sold and the new owners wanted their own people in. I had difficulty making the rest of the payments and some debt accrued but I managed to bring my payments up to date by bringing money from the UK. In mid 1998 I decided to leave the UAE and return to the UK so contacted the bank and agreed to return the vehicle to them to sell it off and deduct what was owed to them and give me the balance of the money as the vehicle was worth at least double the outstanding amount. For a while upon my return to the UK (Northern Ireland) I did not hear anything from them until a few years later when I received a threatening letter from some agency/solicitor (I really cannot remember). I called them and they threatened me with court cases and arrest upon travelling to any Mid east country. I did explain that it was the bank that owed me money and it seems they were asking for the full amount of the remaining debt plus interest which made me to believe that the vehicle was either sold for a small fraction of its value or for just a nominal amount which again means I was defrauded by the bank or the person who was dealing with the case. The person who I spoke to was unable to provide any paper work. In the meantime I traveled to Oman and Kuwait in 2003; but now a shade over 19 years since I have left UAE I have received letters from a solicitor in Manchester threatening me with legal action within 7 days if I do not settle the debt or contact them to settle the debt. I live in Northern Ireland and own my own property. I am also the nominal director of a company registered in England (I do not own the company nor receive any benefits from it). What is the general advice that I should follow? Ignore the letters or write to the UK solicitor asking for all the documents in English? the solicitors seem to operate from a small office in Manchester and a search showed another solicitor registered there so I assume it is one of those solicitor offices that uses various names although the lady in question seems to have been registered by the SRA. I strongly deny owing any money and again strongly believe that I am owed money. The vehicle was valued at over £4000 while the debt was about half that (in UAE Dirhams). By the way, I have no desire to return to that country due to a lot of bad experiences and although I have been offered work a number of times (companies contacting me directly) including from trusted friends, I have refused to entertain the thought of ever going back there. Sorry for the long post but I thought it is better to provide all the information in the beginning. Cheers and thanks in advance for any help, direction and advice.
  13. Name of the Claimant ? Jc international acquisitions Date of issue – 28th November 2018 What is the claim for – the reason they have issued the claim? 1.The claimants claim is for the balance due under an agreement with talk talk limited dated 11/12/2012 Which was assigned to the claimant on 31/03/2015 and notice of which was given to the defendant on the 31/03/2015 and which is now all due and payable. 2.The defendant agreed to pay monthly instalments under account number xxxxxx but has failed to do so. 3.And the claimant claims the sum of £135.30. The claimant also claims interest thereon pursuant to s.69 county court act 1984 limited to one year to the date hereof at the rate of 8.00% per annum amounting to £10.82 What is the value of the claim? £221.12 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? The claim is from a house phone/broadband account. 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. Assigned to debt purchaser issued by MORIARTY LAW. Were you aware the account had been assigned – did you receive a Notice of Assignment? I don't believe so Did you receive a Default Notice from the original creditor? I don't believe so Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not that I am aware. Why did you cease payments? Not sure 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? I don't believe so no.
  14. These seem to be coming thick and fast now.. Received the attached claim form on Christmas Eve! Name of the Claimant ? Cabot Financial UK Ltd Date of issue – 21/12/2018 Particulars of Claim 1.By an agreement between Vanquis Bank Ltd & the defendant on or around 16/3/2015 Vanquis Bank Ltd agreed to issue the defendant with a credit card. 2.The defendant failed to make the minimum payment due & the agreement was terminated. 3.The agreement was assigned to the claimant. 4.The claimant therefor claims £290.77 2. costs Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (pre action protocol) ? No idea, but a lot of these letters tend to be ignored, or go in the bin. What is the total value of the claim? £365.77 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 April 2007 ? After 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. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? No idea Did you receive a Default Notice from the original creditor? Not sure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not sure Why did you cease payments? It was around the time of the birth of my daughter and I fell behind due to everything that was going on at the time as there were complications and we had an extended stay in hospital What was the date of your last payment? Sometime in 2015 I think 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 planicon? No I'm guessing I should just log into MCOL and select defend all? The sum they are claiming looks like it was a lot higher than the credit limit. Should I just defend all and send them a CPR 31:14? 1888_001_Redacted.pdf
  15. Hi, I received another claim form on Friday from Moriarty Law for a debt related to a Spark Energy account. I'll post the full details tomorrow as I forgot to bring the claim form with me to work today. I have no recollection of ever being with Spark Energy, and the amount Moriarty are claiming is about £300. Coincidentally, on Saturday I also received a letter from Moriarty Law informing me that I will receive court papers shortly, and that they would like to still resolve this amicably. Firstly, I will complete the AOS online tomorrow defending all - I just wanted to check what CPR request to make of them, and as this is for a Utility debt whether the protocols are different? I am guessing they still have to present documented evidence in support of the claim? What should this consist of for a Utility debt?
  16. Good Afternoon. I was wondering if someone can help me with some questions regarding an old debt I have. About 5 years ago, my mother became terminally ill, I was in full time work and had to reduce my hours to help her as she refused to go into care. At the time I was paying for a Loan from NatWest. I knew I was going to start to struggle paying the loan amount so I went into the bank to ask for help. 3 times I went in asked, each time they either tried to replace it with a bigger loan over longer or just said no. On the 3rd time I spoke to the General Manager who said to stop paying the loan and we will be in touch to arrange a lower payment. I was unaware what this actually meant but did it. 5 Years on I have a default and debt owing to NatWest, However they have got Westcot to manage the Debt which I pay a token payment of £1 a month. Recently a friend told me about the original terms and conditions tactic. I wrote to Westcot asking which they told me they only manage the debt I then wrote to NatWest who have replied saying they cannot find them or have enough data and that the debt is not enforceable however because I'm in default this only stops them not pursing in court. The letter says please continue to pay because it they don't they will use what ever means by the law to get the debt back. They also say the Debt is still Valid and please contact them to arrange payment if I haven't already done so. My question is what do I do now? My Default will drop off soon and I don't want to cause a issue which could stop that happening. This is the only debt I have and its effects my credit score. What should I do? Any help with be greatly received. I have attached the letter.
  17. Hi I started a Ppi claim with Lloyds a few weeks ago there were 9 old loan account from 1992 to 2000 with Ppi. I should have my response in Aug. But this week I have received 2 letters in the same envelope to old address even though Lloyds have new my address due to claim. One is from Lloyds saying they have sold my debt to asset link the other from asset link. I know there's a Lloyds charge on my old house from 2006 (ex wife and kids live there but my sole mortgage) as its on land registry. Any one know why I've been sent letter? I assumed they would offset against any debt anyway. Any advice on what to do I will upload letter off asset link. PDF Photos 16-07-2016.pdf
  18. Hi..I'm a newbie here so thanks in advance for your help. I got into financial trouble in 2007 with an unsecured loan my ex husband got me into (it's in my sole name). I divorced my husband and missed payments on my loan. It went into default. Lloyds got Apex involved, I made an agreement and started paying £60pcm. Life moved on, the default timed out on my credit file, I moved house but carried on paying. I struggled financially and lowered my payment to £50pcm. 1 year after lowering my payment brings me to present day. Robinson Way have been calling me asking for me by my married name so i made the assumption its to do with this (i have no other unpaid debts). I called them and they confirmed they were instructed by Lloyds in September to collect in excess of £17k I'm still paying Apex! I said I would not enter into a discussion and asked for a copy of the agreement this refers to, a copy of the assignment for them taking this debt on and a statement of account. They agreed and said my account would be put on hold whilst they gathered the info. I asked for this to be put in writing to which they agreed. I had to give my correct address for this to be sent. Have I done the right thing? Should I continue to pay? Many thanks
  19. Name of the Claimant? JC International Acquisition LLC Date of issue – 4th September 2018 What is the claim for – the reason they have issued the claim? 1. The claimants claim is for the balance due under an agreement with Talk Talk Limited dated 29/05/2013 which was assigned to the claimant on 31/03/2015 and notice of which was given to the defendant on the 31/03/2015 and which is now all due and payable. The defendant agreed to pay monthly instalments under account number xxxxxx but has failed to do so. And the claimant claims the sum of £115. The claimant also claims interest thereon pursuant to S.69 county court Act 1984 Limited to one year to the date hereof at the rate of 8% per annum amounting to £8.21 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No What is the value of the claim? £200 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Landline & Broadband When did you enter into the original agreement before or after 2007? After 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. Debt Purchaser 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? No Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year? No Why did you cease payments? I ceased payments because the broadband soon became disrupted and sometimes ceased to work after many years of good service. TalkTalk attempted to fix the line and sent engineers out twice but still unable to fix this. They were still investigating the line when I received my monthly bill and noticed they had billed me for two engineer visit charges for works they were still attempting to rectify. I spoke to TalkTalk who understood and agreed to remove the charge as they had not yet resolved the issue. But the customer service chap then requested that I commit to another 12 months contract with him first before he removed the charge. I declined because I felt blackmailed with pressurised sales tactics and could not guarantee the line would be fixed. I switched over to Sky and demanded TalkTalk remove all charges before I paid for my final month – of disruptive service! TalkTalk customer care called when they noticed what had happened as Sky attempted to take over the line. The chap agreed again to remove the charge but asked that I commit to another 12 months contract to prevent Sky from taking over my line. I refused and they failed to resolve my dispute. The debt has since been sold to various companies and I explained the situation to them, advising that I only owed one month’s payment. They all understood and stopped chasing me. Now Moriarty Law, a company I have never dealt with before, has issued this claim. What was the date of your last payment? Around 2014. Still attempting to verify with TalkTalk Was there a dispute with the original creditor that remains unresolved? Yes Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan ? No I have acknowledged receipt of the claim form and stated my intention to defend in full via MCOL. I have also sent a CPR31 to Moriaty Law who responded on the 19th September that “they have contacted the original claimants for the documents requested and will notify me of their response shortly” They have also stated in their response “In the meantime, the account will remain on hold and collection activity has been suspended” Please note that I did not mention my dispute with TalkTalk in the CP31 Although they have stated the above, I need to provide my defence to the courts in time and not sure how to proceed. Any help will be appreciated. Many thanks in advance
  20. Today I received a white county courtclaim form from northampton for the MBNA Credit card 2008 – now with PRA GROUP - £2723 – defaulted 2012. On 12th Nov PRA Group wrote to me in response to my returned PAP form where I stated I dispute the debt because I need more documents or information Specifically I wrote: I need a copy of (1) the Default Notice, (2) the Notice of Assignment, (3) a complete set of statements detailing exactly how the debt has accrued detailing: (a) All Transactions, (b) Any additional charges, be them by the original creditor or you PRA Group (UK) Limited, the debt purchaser or any predecessor, © Details of all contractual interest added by whom and on what date, (d) List of ALL Payments made toward the Agreement. The PRA group letter on the 12th said, that in response to my query (PAP form) please find enclosed copy of statement of account from MBNA and a copy of the credit agreement (was an online application 2008) plus statements from the MBNA credit card (virgin). The letter goes on to say that they will put the account on hold for 30 days until 12th December to allow sufficient time to receive the letter and contact them. Today I received the county court claim form. I don't know what to do now? Please advise. Should I try to a negotiate an offer with PRA or will I have to pay in full somehow! I don't want a CCJ registered.
  21. 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
  22. Hello all, apologies if this is repeating other posters, but just needed some reassurance or additional advice: I was sc@mmed via an Ebay/Paypal seller. I sold a bike to a buyer, the payment was requested as bank transfer, however the buyer suggested using PayPal and all I needed to provide was my email for him/her to deposit the money to my PayPal account. The money was deposited, the bike collected (I didn't ask for a collection receipt as it wasn't a courier I had arranged). I removed the money from my PayPal account, and thought everything was good. Two days later, PayPal indicate that the the person who deposited the money didn't receive the bike and the money will be paid back. Now I am missing a bike and my PayPal account is negative £900. I argued strongly with PayPal, explaining the details of my case, supplied the CRN, all conversations with the buyer, etc, but with absolutely no joy. I haven't had any formal communication from PayPal about paying the debt, however, this week I started receiving communications from Westcot (2per day at present). Their number is blocked and I am making a log of their calls. My question is, how do I know if PayPal have sold my debt, or have they just instructed to recover it on their behalf? If they have sold the debt, am I legally obliged to pay it back? In my eyes I don't have a debt and it was PayPal's decision to give the money back from the process of an obvious [problem]. I am quite happy to go to court as I believe PayPal are assisting and allowing fraudulent transactions to take place. It is apparent their security is flawed, and I would love to fight this, I'm just concerned that if PayPal sold the debt that they created then I am tied in to paying Westcot which clearly I don't want to do. Any advice on this would be very much appreciated. Clearly I haven't disclosed all details as its quite complex, but nonetheless I have been the victim of a this and PayPal facilitated this. Regards.
  23. In Aug 2010, The Royal Bank of Scotland terminated my current account and associated borrowing. At the time, I had 2 current accounts and one credit card. The debt on the accounts is £0 and £834 respectively. It was initially chased (although not sure why they were chasing a balance of nil) and I never made any payments, wrote to them, answered their calls etc. Both these accounts show on my Credit File as defaults. However the date doesn't show 2010 as it should but 2013 and 2014 presumably when they last updated them. The credit card balance was £7k+ and was again chased by RBS but again, no payments were made, calls answered or letters written. This debt never appeared on my credit file despite passing through the hands of numerous low level debt collection companies until last year when it was picked up by CABOT. They are calling and writing on a regular basis but again, neither are acknowledged. No court action has been taken on any of the three accounts. My questions are therefore - Are the debts now statute barred (5 years in Scotland) Why do the dates not reflect the dates of my last correspondence with them? Should I write to RBS and CABOT stating they are statute barred and asking them to be removed? Thank you.
  24. Hello! Cannot believe I've only just found this website! I realise there's many threads but none quite about my stage... My debt is a $12k Aus Credit Card from last year. They emailed and I ignored then they called my work relentlessly until I was taken into a HR meeting about it. They also called two people from my Instagram (one I didn't even know personally). I've since privatised all my social media. I emailed them a massive complaint detailing every ACCC breach and gave them my email and number. They replied to my complaint last week addressing only the point about pretending to be someone else saying that they never. No other points addressed. Then I received a call stating I need to pay, it's not going away etc. I told them I was at the brink of losing my job and I simply can't afford to pay it all ($12k) because I'm a student working part time. They've then emailed me an income and expenditure form and requested my HR letters and 3 months bank statements. They are going to call next week to catch up. I'm going to ASIC about my complaint not being addressed properly but I'm not sure what to do in the meantime about the agent calling me next week wanting all my info? I realise now from reading this I shouldn't acknowledge it but i simply had to due to work. I have no idea what I can/should do??
  25. My brother in law asked me to pay back a loan of a few thousand pounds after my wife was killed in an accident . At the time I was grieving and vunerable and also embarrassed as I didn’t know about it I started paying him back to date I have paid over half and have decided to stop paying as I had no idea what it was for and didn’t see the money . I’m now being threatened with county court if this happens should I counter claim for the money I’ve paid as there is no proof and I just have no idea what it was for ???
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