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About Me


  1. Hi Guys If you search Northampton Autosports here, you'll find at least one thread detailing how people have had bad experiences with the guy who runs this car retailing business, from an industrial estate just to the north of Northampton. Long story short, even though I Googled the guy's name and business, I found nothing untoward and went on to buy a vehicle from him last month. He's developing or already has a reputation for making false and highly misleading statements about the vehicles he sells and I suspect has a very long history of this. Unfortunately, I've also been
  2. Hello everyone. I need an advice. Received a letter on 06 July this year from Lowell. It states I owe them £510.38 for an account I had with Three mobile years ago. As far as I remember from previous letters this alleged debt and another smaller one (60) with Three exchanged hands few times and are now owned by Lowell . The thing is I have no idea where this amount of debt comes from. I had 2 contracts with Three, one for mobile broadband (which i closed 5-6 years ago and dont owe anything) and another one which was opened 8 years ago and i kept renewing until
  3. Weve had a telephone call from Blackhorse today to say we can cancel our PPI but our repayments on the loan wont go down due to a previous claim we made. Is this correct??? Hadituptohere
  4. 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
  5. Help needed on lowells fastrack 14th sept '18. lowells are chasing me for £15,500 for a non secured lloyds loan. i defended a lowell ccj in northampton ccbc via mcol and aos, i have received notice of assignment but not deed of assignment, lowell are going for the jugular and i have had enough, not just of lowell but the depression i am suffering is stopping everything but work and worry. I have redacted copies that will give details of everything and my poorly advised (i think but not sure) fast track response denying debt which I'll upload either in pdf or jpeg format
  6. Hi everyone out there. I am seeking a quick bit of advice; and will try to make this as short as possible. On 2/7/2017 I got a Parking charge in the form of a letter (relevant),from Parking Control Management (PCM). The claim was that I had not paid a PCN they'd issued and they want £100. Two initial issues: (1) I did not receive any prior notice - eg stuck to the car. (2) This was likely due to the fact that I had never been anywhere near the place they claimed I was wrongly parked. I googled the place and discovered that it is a block of flats some 5 miles away manage
  7. Hi everyone I received this hand delivered letter today from Debt Management Services LTD. They say they are acting on behalf of Bradford and Bingley, I had a mortgage with them over 21 years ago and my house was repossessed. I have made payments on the account over the years but not anything in the last 4 years. The letter says they want to discuss any problems I may be having with the outstanding account. In order to bring my account upto date they want me to contact them. I can't find out much about them on the net, are they debt collectors or bailiffs ? Any h
  8. Good morning everyone! My partner has had recent contact from this shower, who are acting on behalf of HSBC. A while ago, my partner opened a bank account with HSBC. He admits to running into an overdraft of £200, and, because he panicked, has ignored a number of letters from them trying to resolve it. He realised he couldn't ignore it any longer when a text message came to my landline for him, and I happened to pick this up, and asked him about it. he did telephone them, and spoke to the ethereal "Chris", who said that, if he coughed up instantly (there's no way h
  9. Hi, yesterday I received a letter with a county court summons saying that I owe nearly £300.00. Can someone help me on this please, I have only just started to get my credit back to an average status and do not want a CCJ against me for this amount. What do I do now??? Any help would be much appreciated... Thanks
  10. Hi Im new to the site and am looking for some advice so apologies if this is posted in the wrong section. A few years ago I had a unsecured loan and overdraft from Halifax. I became ill and unable to work, did not have insurance and was unable to pay the outstanding money. Stupidly at the time I ignored the letters of demand and eventually they stopped. I obtained my credit file from experian about 15 months later and noticed that two defaults had been registered against me for each debt { the date of defaults was Aug 2002}. As far as I am aware this should remain on my cre
  11. Hello Long time lurker who now has to step out of the shadows and is requesting help please Long story short I have various debts that due to breaking up with a partner and being made homeless and leaving the house with just the clothes on my back i could not afford to pay. This was in September 2008 and at that point I stopped paying all of my monthly payments because i simply couldn't afford them. I have not paid or acknowledged any of the debt since then but up until that point i had made the appropriate payments to the accounts as per the agreements. I have
  12. Hi all, I haven't been on here for a long time, as I thought my debt problems had gone away. . Until today that is, I have been sent a county court claim form from Northampton. County court the claimant is lowells, they are claiming for an old capital one credit card debt, this was an original debt of about £150 lowells are claiming for £389.90. This debt was way back in May 2006, so I'm guessing that they shouldn't be able to get a county court judgement against me? The forms look real enough but I was going to phone the court on Monday to see if it is actua
  13. I just received a claim form from Northampton County Court Business centre. The claimant is UKPC through their legal team SCS. I got several parking notices back in May 2013 for parking on an access road in a private residential area. So can anyone please help me with the defence I need to write on this claim form. On the form, there is also an option to tick regarding jurisdiction, can anyone clarify me what this means please. I also want this case to be heard in Brentford County court because thats only 2,5 miles from residential area in question. I don't und
  14. I need some help I have recieved a claim form off Lowell solicitors through Lowell portfolio for a Very (shop direct) debt of £1,684 I just need to know what options I have for this. They have been sending out letters to an old address which I no longer reside but have somehow got my parents address where the claim form has been sent to. I haven't admitted anything yet to them but wanted to know my options from them and they have told me that it's now £2,040 and needs to be paid off in the next 14 days. They then informed me they could extend this to 21 days b
  15. Hi I'm posting this on behalf of someone else but need help regarding a CCJ letter that was received from Northampton CCBC for none payment of rent. The letter was sent to the guarantor and is for none payment of rent for November and December. First of all the rent was paid for November and there is evidence of this via bank statement so this should at least be partially disputed. Also the guarantor was originally doing this for his son but this was a shared accommodation. The contract was for 6 months but his son moved out after 3 because the other person was fail
  16. Hi All, In August 2014 I received a Claim from Northampton CC from Cabot. I wrote to the solicitor asking for a copy of the signed agreement as it would be something they would need to have anyway should the claim go to court. They agreed and I got the 28 days extension after acknowledging the claim. I sent copies of all correspondence to Northampton to attach to the claim but they have never supplied the agreement. here we are almost 1 year later and they have sent another letter, quoting the original claim stating that they sent two letters (both the same day) in A
  17. Hi All, I'm the owner of a Ltd Company and I have received the dreaded pale blue County Court claim form. Basically, it's Companies House (or at least their representatives, Optima Legal) issuing in respect of £375 of late-filing fees that my company has incurred. I did file my annual return later so there's no question that I owe the money (as hard as that is to swallow, but hey ho). It states the options available which include: 'If you agree with all of the claim and are asking for time to pay" - Complete the admission form N9A and send it to the claimant....... Do not send a
  18. Hello this is going to be a really rushed thread because I decided to try and go this alone, but think I have made lots of mistakes I had a claim form through with the claimant: Cabot Financial (uk) Limited with the address for sending detail as: Restons Solicitors Limited I asked the court and they said all documentation and payments needed to be sent to Restons. I sent my CCA request there to which I have received this reply: Dear Madam Please find enclosed a draft letter which purports to come from you but which is unsigned. You will appreciate that w
  19. I received a claim form dated 12 Dec 2014 for in my opinion overdraft charges from HBOS plc I have studied the forum and acknowledged the claim on MCOL stating that I intend to defend, can you help me as I work my way through it Regards
  20. I've been chased by a debt collection agency since 2012 have replied with the 3 letters trick from another website asking them to validate their claim to the same company trading under 3 different names all chasing the same debt, requesting verification of their claim, by providing me with true and certified copies (NOT photocopies) of the original credit agreement the Deed of Assignment (Not the Notice of Assignment) and Deed of Novation. I have now received a court claim despite the fact that they had not supplied me with any of the informati
  21. Hi, we received a form from Northampton CCBC on 9th April, form dated 4th April. Its for a personal unsecured loan with Northern Rock the PoC states The Claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and Northern Rock (Asset Management) Plc dated on or about xx/05/2007 and assigned to the claimant on xx/08/2013 in the sum of xxxx.xx (Over £10k) PARTICULARS a/c no: xxxxxxxxxxxxxxxx DATE ITEM VALUE 10/02/2014 Default Balance xxxx.xx Post Refrl Cr NIL TOTAL: xxxx.xx
  22. Hi, I recently received a Northampton County Court Claim Form. I have started reading here but as time is short i urgently need help to save myself from getting CCJ. Now, the claimant is Cabot Financial and Solicitor is Wright Hassall LLP. The original lender is CitiFinancial. Back in 2009 i made a CCA request to CitiFinancial but they didn't provide proper copy of signed agreement (they sent their standard terms etc) and therefore i have not made any payments for nearly five years now. The Claim Form Issue Date is 15 January 2014. I under
  23. Name of the Claimant - Lowell Portfolio 1 ltd Date of issue – 4th November 2014 Particulars of Claim – The Claimant's Claim is for the sum of #4xx.xx being monies due from the Defendant to the Claimant under a non-regulated Communications agreement between the Defendant and Vodafone Limited under account number xxxxxxxxx and assigned to the Claimant on 13/01/2010 notice of which has been given to the Defendant. The Defendant has failed to maintain the contractual payment under the terms of the agreement and a default notice has been served and not complied wit
  24. Hi Everyone. I have received a Claim Form from these crooked debt collectors for £1649 for an alleged debt with MBNA which was sold to Arrow Global. Issue date is 5th November. Im about 20 months away from this alleged debt becoming Statute Barred. Can someone help me with which process to follow? Do i put in a defence or do i ask them to provide the credit agreement and other documents before i do that? Thanks. PS im prepared to fight them. I have beaten alleged speeding offences on 7 occasions because i understand the law and system. But im new to the CC
  25. Hi,all my wife has just received a letter from Northampton C.C stating that Bryan Carter solicitors LLP, are taking her to court and we have 14 days to respond over a debt of £175 plus interest then £75 court change total £270. i have no idea as to what to do now , it is my wifes debt but in her maiden name. i see that B.C has a bad reputation on here, all help appreciated , thank you
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