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  1. Just received a letter from Santander stating my overdraft has been sold to Cabot The letter states that Notice of Assignment will be forthcoming from Cabot In the same envelope was a welcome letter from Cabot stating the usual things about 'how my experience Cabot will be different' blah, blah, blah. The account was setup in 2005 and the overdraft is approx £5400 The last payments to the account I am aware off would have been Jan/Feb 2013 Not sure what the process is regarding overdrafts and what documentation is required etc to prove in court, so if it's a different
  2. Hi, I have a debt which was with Barclaycard originally back in the 90's, roughly £7k. I got into trouble a few years ago when I was ripped off by an investment company who put me out of business and stole several thousand pounds from me. I was advised to use Step Change in 2016 to sort out 4 debts in total. I was not aware that this system would only last for 1 year ( paying a nominal sum per month to each debt) and that afterwards I would be back to square one. After it ended I was abroad working for a few months and was not receiving my mail. Now I seem to have Link F
  3. Im in England now but all this debt was created in Scotland, 7 defaults are from 2010/2011, originally the debt was £20k. I have been on 2 payment plans a DPP and a token payment plan through Step Change. After a long period of unemployment i had to sell my house to relocate for work. Im now in a position to clear my debt. I owe 7 different amounts which add up to £15,600. I want to know if its possible to negotiate a reduced settlement figure for each debt. I wanted to do this myself as Step Change seem to have wrong info regarding the amounts i o
  4. Hi all, Have just over £10,000 negative balance on paypal. I have or had a gambling issue where it got out of control. I haven't touched any online accounts in just over two weeks. I can put in my paypal account roughly £500 per month. Should I contact paypal and set up a repayment plan. I received the following e-mail this morning. It's very important that you address the balance on your account today to ensure continued availability of your paypal account and to avoid additional collection efforts. Appreciate a
  5. MBNA sold debts that belonged to both me and my husband. Idem bought mine, Moorcroft bought my husbands. I emailed Idem regarding reduced payments that I would make, and eventually they responded agreeing to my reduced amount. However, Moorcroft ignore emails (sent day after day) and they will not reply despite my husband requesting that they not call, but put in writing instead. They call anyway, and to whomever called, I asked them not to call, but to respond to my husband's emails - however, the chap then called my husband's mobile immediately! I got
  6. I have been in a good job for more than one year now. I have been renting privately. Now i'm about to go and see about getting a mortgage. I checked my free credit report and i have a new default on my account. This is because Barclaycard has passed the debt onto Link Financial. I originally had 2 defaulted accounts with Barclaycard from 2011 and all my defaults are gone from my credit history. One was passed to Link in March 2013, Link wrongly put a default on my account at that time in 2013, it took a long time before they removed it. Now the other Ba
  7. Today i received this letter from a different Solicitors. What action should i take if any guys? As always i really appreciate your wonderful assistance. link LOC.pdf
  8. Hi, I haven't had to use the forum for a while as when I did the advice and guidance I received was fantastic and resolved my problem. However, new year, new problem! I took a company to court last year and won the case! The problem is that the company closed down the business and opened again next door and under a new name. I contacted the sheriff's office and a local solicitor to be told that I can transfer the debt but I must find out the owner's name of both companies. I've tried and tried to get it, but as it's not a limited company I can't get the nam
  9. Hi! I'm a new user here and this seemed the right category to post this to. Sorry if I was mistaken. my fiance got a letter from Intrum earlier today, trying to enforce a debt of £1529.81 they had purchased from HSBC. My fiance recalls she had paid off - and closed the account - about 8-9 years ago, what at the time amounted to £500. Said account is not present on her credit file (looked up on Clearscore who gets their info from Equifax) and as such no default notices either. Ironically, the 'change of ownership' letter says that they (HSBC) have taken all the necessary ste
  10. received on Saturday a claimform from Lowell stating that despite previous attempts to contact me they have now issued a court claim. The 3 contract was from 2015 from what i can work out. can anyone help please. T he issue date is the 5th december. Cheers
  11. Hi all, I had a 50%/50% mortgage with an ex partner in 2004 - 2006 when we broke up. The property was repossessed in 2007 (I moved out) and was sold at a loss. In 2009 I received a letter from Drydens Fairfax stating that I/WE owed £32,xxx by way of shortfall. I contacted a solicitor and ended up due to circumstances paying £40/month which I have paid religiously for the last 9 years. BY my reckoning I have paid approx £4,500 to them. A low amount for sure, but I have young dependants and being self-employed my finances aren't what you'd call
  12. Name of the Claimant ? Cabot Financial (UK) Limited Date of issue –. 30 October 2018 Particulars of Claim What is the claim for – 1.By an agreement between HSBC Bank PLC & the Defendant on or around 15/09/2014 ("the Agreement") HSBC Bank PLC agreed to loan the Defendant monies. 2.The Defendant did not pay the instalments as they fell due & the Agreement was terminated. 3.The Agreement was assigned to the Claimant. .THE CLAIMANT THEREFORE CLAIMS 1. 7042.65 2. Costs Have you rec
  13. Hi All I failed to pay back a credit card in 2013. In due course the card company defaulted me and posted the default with one or more of the credit reference agencies in October 2013. Lowell bought the debt and the account totally disappeared from my Noddle credit report. It has now reappeared with a single entry showing a default for September 2014 (even though the main body of the report shows the original default date) so in effect bringing forward the default date by eleven months. That means I will have to wait an extra eleven months before the default disappears from my
  14. 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 al
  15. Hello. This is my first post here, and I was hoping I could pick the brains of this forum for some help. To cut a long story short, I have in the region of £15k credit card debt from MBNA, which has been sold on to PRA, who have started getting in touch for payment. I don't/didn't have any sort of payment plan set up - I stopped paying anything last year because I simply couldn't afford to do that, while also having enough money to feed my family. I'll be honest, I tend to see these DCAs as parasites of human misery, and my main inclination is to pay them a
  16. hi all i am writting this on behalf of my wife, she had a large debt with marks & spencer credit card just over £9000, she defaulted on payments and the debt was sold on to Moorcroft who aranged a repayment plan with her of £5 per month, all has been well for two years and now they want her to complete an expenditure form, i emailed them back saying they have no legal right to demand this and will not submit the inforation requested. the online payment facility keeps taking her to the expenditure form page and wont take the payment,
  17. 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.
  18. Do CLI have any power to raise a CCJ for a debt that they do not own, e.g. a foreign debt?
  19. 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 ???
  20. Hi guys, My father has received a claim form Arrow Global Guernsey Limited - MBNA Credit Card debt on the 25th July 2016. See attachment. The debt is old from 2000, however he has offered £1 a month since last summer which he has been doing so. Prior to this he had a debt management company handling his debts. What steps should I take in order to defend him? Under the particulars of claim is states the contract is "dated on or about Feb 25 2000" Does this suggest they do not have the original contract and so there legal basis for the claim? I need to file the acknowled
  21. Good evening, When i was a lot younger i ran up quite a bit of debt which became unmanageable once i had children and cost of living increased. paid into a DMP for a few months and then defaulted this was in April 2013. I have pretty much ignored all contact as no one was taking legal action. I have had some discussions with Restons over the phone about this debt as i tired to agree a repayment plan. but could not stick to it as it was un affordable to me. Today i have received a CCJ claim from the for a total of £5131.05. The debt is from an MNBA credit card which i
  22. i recently requested a SAR on my lloyds tsb accounts as i needed info on the valuation that was carried out on my home in order to give security for a loan. i have received a copy of the file which included a copy of the valuation, but even though it refers to an instruction letter from the bank to the valuer, the instruction letter is not in the file. it is not even attached to the valuer's report even though in his report he comments 'instruction letter of xxx 2004 attached appendix A' is there anything more i can do to fro lloyds to disclose the instruction l
  23. 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
  24. Your good advice please. I received a letter from a DCA titled a’ pre-legal assessment’ on an old credit card debt that the DCA have recently acquired. I suspected this could be nearing SB I checked my credit file and discovered that there is no information about this account on my file prior to May this year! As they are are using the usual vague language i,e, ‘may’, 'being considered’, should I bother to respond to this or should I CCA them or other? Who’s responsibility is it to insure the information on a credit file is accurate and up to date? Would the OC r
  25. 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
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