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Found 217 results

  1. Now the UK has decided to leave the EU, what is the time scale to activate article 50 of the Lisbon treaty ?..
  2. 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
  3. 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?
  4. 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
  5. Hi guys, I am new here but I have been told I might be able to get some help. I received a judgement in default letter from the County Court Business Centre a few days ago which came as a shock. I know the importance of replying to any claim issued against me. This is in relation to a pay day loan debt from 4 years ago, which has now been bought by Motormile Finance UK Ltd. I paid some of the debt off then missed a payment, then they increased it massively and I couldn't keep up. I moved on and heard nothing for many years until I get this judgement letter from the court. When I phoned Moriarty Law, the firm representing the Claimant, they told me they issued to my former address. They realised their mistake and then sent a copy to my new address. I received this but thought it was a scare tactic as it had not come from a court, and I would assume I would receive court papers from a court! When I asked them why they didn't inform the court they became ambiguous and I didn't understand what they were talking about. I have been told to set the judgement asside which is what I will do. I am currently on ESA so apparently I do not have to pay a court fee which is a great relief. However, I need to know is it now too late to start the 3 letter process? Or should I get on to this straight away so that if the judgement is set aside I will get my chance to defend the claim? In anticipation of your help, Jake
  6. Good morning , wondered if any could assist. In November 2017 i called into what i believed was a service station - SOUTH GATE PARK, A120 Stansted Airport , CM24 1AA as tired and falling asleep. i parked the vehicle in a bay went into one of the outlets McDonalds visited bathroom etc and left. Thought nothing of it . In December received a NTK about parking and fine. Wrote in as the driver as thought there must be a mistake . Met parking said i was only allowed to use starbucks Not Mcdonalds as was off their site. Then sent off to polpa who said no - guilty. Been fighting for 14 months , various debt collectors etc , threats . Now received letter from(JAN 19) saying i owe MET £160 and instructed to write . I Have never had such a nasty experience in nearly 50 years motoring. I honestly believe this has been designed to entrap people. I have a huge dossier . I believe the information /evidence is misleading as layout of site. AND FORGIVE me i was told this - (but not sure if true/applicable) - the NTK said the contravention was 08th Nov 17 BUT the Notice says date of issue of this notice 20th December 17- SOME 42 DAYS later , i was told only 14 days. What i cannot understand if true why did POPLA NOT pick this up ? Surely as experts(i am not just a pensioner) they have a duty of care - or are they independent and whose interests. If anyone can help please it would be most appreciated . And sorry if not to your rules on how set out not sure what i was supposed to do. tony213
  7. Had brand new boiler fitted by British Gas on Tuesday. Since then its broken down three times and I've had two engineer visits. The engineers they send seem clueless and British Gas seem totally uninterested. Its -5 outside and I've got no heating or hot water. Got a 5 year old and an autistic teenager (this is setting him off). Something has got to be done. If this was a physical item I could take back to the shop and demand a refund but its a boiler fitted onto the wall. What are my consumer rights here? Can I reject it, get the boiler removed and ask BG to collect and cancel the entire deal?
  8. uncle buck/moriaty law (the claimants) served me with an N279 notice of discontinuance in February which i thought was the end but today uncle buck have gave me the usual threats about what will happen if i dont pay... yep you guessed it!! court action.. i am wondering why they discontinued in the first place. best regards
  9. Hi I was made redundant last year followed up with a difficult time with depression which I am now over with. I had a good pay off and made regular payments to my direct debits but noticed that I had a letter from one Credit Card saying I was five months in arrears. When I complained they said they had cancelled my direct debit as I had missed a couple of earlier payments. I looked through all the terms and conditions of the card and no where is this process mentioned - I can't find any reference to this or the law surrounding it nor can I find a lawyer who will advise me on this. The only thing I can find about cancelling direct debits is when it's a consumer cancelling it and the direct debit guarantee. They also tell me they wrote to tell me about this earlier last year but I didn't receive the letter - I have a process of scanning every letter I have when I receive it so would not have missed it. What rights do I have - I've exhausted their complaints process and am a bit wary of the Financial Ombudsman. Thanks
  10. Hello good people of Consumer Action Group, thanks for having me! I find myself in a work situation that I'd really appreciate some legislation-backed-up fact. I've been working for my company manual work minimum wage for nearly 4 years, never rocked the boat, always did my best to keep everyone sweet and help out where I could when people called in sick with management. However, I now find myself in a quandary where I need to take a few days off that have been expressly disallowed by da boss. Our rota goes up a few days before it starts for every two weeks going forward. The boss still finds it acceptable however to change it willy-nilly as the needs of the business dictate. Fair enough if it's a small one-man show, but this is a multi-national. So near Christmas it becomes problematic when people with children suddenly "discover" a once in a life time children's play, or family emergency, I've always tried to help out as I'm a single childless guy. But I have something I must do on Friday 14th that demands I take the day off. I asked the boss, immediately I saw the rota go up today. NO! I said, sorry but YES!! He said review your position, I'll make you work it or give you a disciplinary. I WILL be taking it off, morally and actually. What can I do to avoid the inevitable storm and bad feeling that will result despite me giving him nearly 3 weeks notice about it? It's unfortunate in that unusually this close to Christmas there is no-one else who can cover this specific shift, but I feel given my track record of always covering everyone else with their "sudden child sickness/need to go shopping" issues, etc, that I'm morally in the right to ask for this one little day off. I am prepared to die on this hill. (I'm looking for a new job already for new year), but I don't want to leave on bad terms by just handing in my one week notice now. And then get a bad reference. Especially after 4 years of actually quite enjoying the job and feeling a mutual respect with the boss. But he's dug his heels in with this; and so have I! Any legislation to help me with my stand? Thank you. Pg
  11. Am going bonkers? Do I need a new Solicitor for legal advice? Our Neighbour has got a Court Order to reroute the easement. Fine it needed to be done to sell the property that is not the problem. The Order will help sale as it clarifies the issue. He is saying Planning is not needed to remove our Summer House or cut back trees. Our advice is Planning is needed we are in a Conservation Area or we face criminal offences so we need planning permission to cut back trees and the Summer House has Planning Permission and it needs Planning Consents for removal as it over 115 cubic meters. If we fail to apply for Planning Permission for the trees we face £20,000 fine and a criminal record. Demolition of the Summer House without Permission is up to 2 years in prison and an unlimited fine. Am I losing the plot do I need new advice? Is there anyway a District Judge Decision in a County Court could get around Statutory requirements of Planning Permissions and remove the possibility of criminal offences. Okay Planning may well be a tick box but it is not the point really especially as we selling the cottage and to protect ourselves. There is no mention of Planning Permission in The Order the Judge completely failed to take into Planning Law which is staggering in competent.
  12. I came home to a letter from Moneyclaimonline today, the instigator being Moriarty Law on behalf of Utility Warehouse. They contacted me about a year ago for a debt they claimed I owed in 2014, during the phone call I asked them to provide me with proof of the debt which was never supplied plus this does not show up on my credit file with Experian to date (I checked today). How this happened, if relevant is I needed an EPC for my home, the surveyor pressured me into consolidating my utility bills which I wasn't keen on but they kept telling me I was under no obligation and could always say no at the end.... which I did. convinced me to take out the gas / elec / internet / phone but when my mobile came in the redemption fee put me out of pocket and UW wouldn't cover it so I had a huge mess but managed to sort it out. After this I lost faith in the UW and requested to cancel the service with them, they were awkward to I went straight to my old utilities who transfered the services back. I wasn't aware of any outstanding debt, I believed my old company had figured this out. So I'm concerned I have a small claim's court form to complete, potential damage to my credit file but no default on my account to date. Any advice please?
  13. Left Dubai in summer 2016 having been made redundant, took wife and 3 month son to place of safety (not UK) fully intended to return to UAE and find new employment, as i had insurance against the loan. I never intended not to pay the loan. However. Bank immediately froze accounts, refused to process Involuntary loss of income insurance i had taken through them and demanded full settlement. This is an unsecured loan not a CC debt. They stated i had to be in the country to process the insurance? i asked them to send me the T&C which state this. They refused. I left enough cash in the account to meet payments for 8 months regardless, had they processed insurance a further 6. Usual story here, i continued to communicate with the bank directly by telephone and by email, they wouldn't accept any scenarios or payment plans other than full. I secured a new job offer in UAE and stated i could return and continue to make payments if they would confirm no court action had been taken They refused to do simply stating case filed. As i result i could not risk returning and being arrested, this would lose me the job and what then? no good for me or them. I returned with my family to UK in Spring 2017 having got a job, that job ended in June 2018 and still not working. (my wife is keeping us afloat) - I continued to email the bank asking if i could come to payment agreements, again they refused anything other than a full settlement! Crazy. i received a number of threatening calls to my work place from debt collectors in Dubai (coincided but i cannot prove with losing job) I started to then get emails and letters from IDRW including threats. I did not respond I have now had the same from CWD ... first emails and a letter, and now attaching a SD to an email. (i have not had this by post or served in anyway) They include the statements from the bank. They included a terms and conditions relating to credit cards (i had 2 but i settled these)they did not include and t & c for the loan as i can see. this was this week i have not responded. I own a property with less than 5k equity in it, which would be wiped out under the terms of the mortgage for a further 4 years yet. I have CC debt in UK which we are managing. Im not working through ill health now, but hope to be back fit some time soon From what i have read i should continue to ignore unless they serve the SD or take other court action? obviously a little stressed. Thoughts?
  14. Hi, This is my first time on this forum, so please excuse me if i've posted in the wrong forum. I received a letter from Moriarty Law today(attached) claiming that they are acting on behalf of Utility Warehouse recovering a debt of £3093.15 dated from 22/10/2013. I have moved around a lot in the last few years but have been at my current address for over 2 years yet this is the first I have heard from them. I have absolutely no idea where the debt of £3,000 has come from, I was renting a house with my friend back in 2013 and Utility Warehouse were our energy suppliers (all bills were in my name as it was easier) I have checked my emails and my bank statements, I can find a payment to Utility warehouse in March 2014 for £150 but nothing else. I should also mention, the property that this relates to, we only lived there for six months until April 2014 and then both moved in with our parents. In regards to the letter, I have been working really hard on getting out of debt over the last few years and recently took out a debt consolidation loan with the aim of getting the last few things I owe, paid off, my credit score has only recently recovered after a few family members went rogue with my credit score when I turned 18. I cant afford to have a CCJ on my credit file. What should I do? I cant see how we could have racked up a £3000 debt in the six months of living in a 2 bedroom flat. I cant see anything from UW on my noddle report either. Do I write back to Moriaty law? Any help is massively appreciated.
  15. Name of the Claimant ? MMF Date of issue – 28th March 2018 What is the claim for – The defendant owes the claimant £385 under a regulated agreement with cash on go limited t/a peachy dated 27/11/2012 and which was assigned to the claimant on 07/01/2014 and notice of which was given to the defendant on 07/01/2014 (debt). Despite the formal demand for payment of the debt the defendant has failed to pay and the claimant claims £385 and further claims the interest thereon pursuant to section 69 of the country court act 1984 limited to one year to the date hereof at the rate of 8% per annum amounting to £30.80 What is the value of the claim? 500.80 Is the claim for - payday loan 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. mmf Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor? Possibly Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not sure Why did you cease payments? could no longer afford payments What was the date of your last payment? DEC 2012 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? no
  16. Animal welfare boosted by new law coming into force - England Only READ MORE HERE: https://www.gov.uk/government/news/animal-welfare-boosted-by-new-law-coming-into-force
  17. My partner received a recent demand for an energy bill we calculated from 2011 from Moriarty [Removed] we sent a statute barred letter by signed for (received 03:09) yesterday we received another letter from them threatening court action, can someone please advise the best course of action to get rid of them Removed ? Thanks
  18. Hi all, Have utilised many a thread from these sites over the years with great success. Quick summary: Usual residential gated car park, management company bought in PPC - I actually from told the management company from the get go that I did not want my bay covered by the scheme because I knew the calibre of companies they would use and being a gated car park with fobs to get in, it doesn't happen that often and if someone was to park in my space although a tad inconvenient my world would not end. My management company actually agreed to this, not before however I had received a number of fake parking tickets! Have continued to receive the occasional ticket from the same UKPC lot and my management company just has them canceled. However, there were a number of tickets they originally issued that they refused to cancel. Fast forward 6 months or so and last week I received a claim letter of them trying to claim £800 for parking in my own space! I have read many many posts and useful guides on defending, however it is still fairly daunting. I am a lease holder, in my lease I have the right to use that bay to the extent that there is even a car park diagram A3 fold out sheet with my bay highlighted. I haven't read the lease with a fine tooth comb to check if it can be varied however. The claim form claims "I will provide the defendant with separate detailed particulars within 14 days after the service of the claim form". From reading the many guides & advice they say I have to acknowledge the claim. However some guides I have read say that if they are providing particulars seperately I have to wait until they arrive and if they don't to complain to the court. My first question I guess is, do I complain to the court after acknowledging or before? If before how do I do it and ensure it is received?
  19. I received a letter, which was posted through my door last Wednesday. It was for a water bill which was 1300, but the amount I am to pay is 2300. I have never received any communication from the Enforcement Agents, so I am wondering how they can add £1000 fee to my original bill. Also I have spoken to them and explained that I am a single mum with 4 children, I have just been through a marriage break up and have had 6 months off sick, due to this. The officer agreed that he would see me on Monday and we I could set up a repayment plan, after he had done an expenditure form. Now I am assuming he will be expecting to enter my home, but I have read and heard that I shouldn't allow him in, is this the case. I also need to add that my ex has left me with a lot of debt and I am unable to get any response from him
  20. Moriarty Law have issued proceedings in Northampton County Court against me for a debt from 2013 from Mortomile Finance/Wage Day Advance. Now i probably do owe this debt but should i challenge that they actually have all the right paperwork to make this enforceable. The debt looks to me roughly 350 pound higher than it should be. What do you think the best thing to do should be. Notei have just got off holiday and came back to this so only have a few days to respond, so if anyone could reply quickly that would be great. thanks all
  21. Hello, first time on this forum and was wondering if anyone could advise me, So i have been working for a company for 2 years lets call them "B" i have had no issues here but due to the time it takes for my travel i looked elsewhere for employment closer to home, i applied to a company local to myself i will refer to them as "F". I was invited for an interview and also had 3 phone interviews, after a few weeks i was offered the job via Conditional offer, i accepted this offer, provided the information required "references" and handed my notice in at my current job with "B". A few days later i was invited in to "F" get all my details sorted out and sign a contract which i did, this was a few days after providing the information requested. the next day (4 days before my start date and 1 day before i left "B", i received a phone call stating that due to a negative reference from another company (lets call them "M") they are withdrawing the offer of employment, this is 2 days after i signed a contract with this company to start work the next week. Now the reference provided from "M" differs greatly from the reference "M" Provided to me when i started work at "B", i have copies of both references and also the signed contracts. The original reference provided by "m" before i started with "B" in 2016 was very positive and would be considered a good reference, the reference provided by "M" in 2018 is a very negative reference and does not reflect in anyway myself or the reference the same person from the same company provided in 2016. I feel that both "M" for the negative reference and "F" for withdrawing the offer after signing a contract are in breach of some Law here, i am now without a job for the first time in over 8 years, i have bills to pay and less than 1 months paycheck to get me by until i find a new job. If anyone has some knowledge on this subject any help would be appreciated, i can answer any questions if need be. Thanks.
  22. Victory for consumers as cap on energy tariffs to become law READ MORE HERE: https://www.gov.uk/government/news/victory-for-consumers-as-cap-on-energy-tariffs-to-become-law
  23. New law introduced to protect vulnerable people in care READ MORE HERE: https://www.gov.uk/government/news/new-law-introduced-to-protect-vulnerable-people-in-care
  24. New law introduced to protect vulnerable people in care READ MORE HERE: https://www.gov.uk/government/news/new-law-introduced-to-protect-vulnerable-people-in-care
  25. New law introduced to protect vulnerable people in care READ MORE HERE: https://www.gov.uk/government/news/new-law-introduced-to-protect-vulnerable-people-in-care
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