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Found 13 results

  1. I had a halifax personal loan which was then transferred to cabot. the initial loan was many years ago and i paid cabot for a about 8 months and then havent had any contact from 2011 then in 2016 optima legal said they have the account and i need to pay them. having read through the forums i wrote to them on 24/02/17 asking for, see the letter scrip i have added below. i have had no reply from Optima legal. where do i stand legally and should i continue to pay? thanks. template removed - dx
  2. Hi all. I got into more than £50k of debt a few years ago and ended up in dire financial trouble. I read up on these debts using a site called ****** and used their three letters method to deal with the banks, credit card companies and DCAs. A couple of weeks ago I received a writ from my local Sheriff Court as seen in the photos: I'll be honest, I'm terrified now. I get limited legal cover through my work i spoke with a solicitor. He was decidedly unimpressed with the letters and advised me to do a trust deed. He says Cabot are a big company and will de
  3. Received a court claim on the 17th April 2015. Claimant: MCE Portfolio Ltd Solicitor: Optima Legal Services Original Creditor: MBNA Claim Amount: £2600 Particulars of claim “The Claimant’s claim is in respect of a credit agreement regulated by the Consumer Credit Act 1974 whereby MBNA – CREDIT CARD ‘Original Creditor’ provided the defendant with a credit card. In return the defendant agreed to pay at least the minimum payment given in the statement. A default notice was served on the defendant which has expired and upon which the defendant has failed
  4. Hi All Would really appreciate some advice on this. History is that I had a car agreement debt 10 years ago that got passed to Optima. They wanted a CCJ but as I was in financial services at the time I managed to avoid this with some sort of charging order. The paperwork was drawn up in my name only despite the mortgage and property being in joint names of myself and wife and only consisted of a one or two page document, however, their charge does appear on a land reg search. I have been paying a monthly amount for the last 10 years for an original debt of arou
  5. Hi Guys Over the weekend I received a letter from Marlin which I have attached to this post, as Cabot are the current Creditor will I send the SB letter to Cabot or Marlin? I have made absolutely no contact with Vanquis, Cabot or Marlin in the 5 years, the account went SB on the 31.07.2009 Marlin are very intimidating by their wording!
  6. Hi, Just before Christmas I recieved a Notice of service from Northampton Court regarding an account I put in dispute with Capone some time ago. I got a little out of my depth a few years ago and despite trying to reason with Capone they started threating action against me at which point I sent them a CCA, they failed to comply properly and I so I sent them an Account in Dispute notice, over the time since they have placed it with various DCAs at one point they even doorstepped us however the chap went away with a flea in his ear. This time the latest DCA (Optima) seem intent on taking th
  7. Hi all, I've been fighting a case with Optima Legal over the past 4-5 months. To quickly bring everyone up to speed, heres what has been happening. CPR 31.14 request sent 7/11/2013 Extension agreed until 01/01/2014 (as no paperwork arrived) Filed a "holding defence" with a N244 order on 01/01/2014. Order was accepted, Optima Legal given until 24/02/2014 to comply with CPR 31.14 request or the claim would be struck out. Documents turned up on 21st. I now have until 17/04/2014 to submit my defence. Basically, the documents they sent were the following:
  8. Hi, I have received help from these forums in the past and am looking for help once more if possible. I have an old credit card debt (card was taken out in 2001/02 and I have not made any payments since early 2008 and have been in default since late 2008) with Lloyds. It has done the rounds with various DCA's until last month when I received a notice that Capquest had bought the debt. I received 2 letters from Capquest - both last month - I ignored at usual (I know - bury your head in the sand syndrome), but today, I received a Claim Form from Northampton CCBC which completely took me by sur
  9. Hi everyone, I received a claim form from northampton CC yesterday (dated 1st Nov) and would be really grateful to get some advise on how to proceed. I had some financial issues a few years ago and debt spiralled out of control, loads of late charges and interest applied via various creditors when I was struggling to keep my head above water and I just buried my head in the sand. I've managed to sort out most of the debt over last few years but haven't had any dealings with capquest to date, I am trying to move things forward and really need to avoid getting a ccj from this after so many
  10. I owed some money to QQ in 2009, as usual little at first then with rollovers it kept rising. I was made redundant and could not pay back. Motormile have now obtained a CCJ against me and I need to get it to be set aside. The judgement is linked to an address I have moved from. I have no paperwork related to my debt with QQ and no paperwork from Motormile about the court action, presumably this was send to my previous address. The landlord (council) knows our new address as we informed them. What are the available reasons I can use to as court to set aside. Judgement was entered on 2nd August
  11. All, Has anybody had success in an offer for voluntary payment. I have received an order after missing 2 monthly payments, on £5598.61 debt. My order monthly payments were agreed at £39.50 via CCJ order. I can make this payments but in all honesty forget to re set up standing order on-line after they were accidentally deleted. I'm in a very sensitive work siltation and an attachment request via the courts would put my job in major jeopardy, I really cannot let this go via my employer. I have contact Optima to request that I pay arrears and continue to pay monthly payments witho
  12. I've recently received a claim form for a debt originally with Quick Quid and then assigned to Motormile Finance, MMF is the Claimant and it's been issued by Optima Legal. I've heard about enforcability issues with Quick Quid in the past, is that still the case? Any help would be appreciated. Thanks
  13. Hi Everyone I have an MBNA Credit Card taken out in 2002. Due to circumstances - my wife and I have run up a debt of £17,000+. We now are in a position of being unable to pay. The thing is this has happened becuase everytime we neared the limit - MBNA simply increased it with no investigations into our circumstances or reference to us. Now we have started to default the charges and interest are racking up. I have come across the Sect 78 business. I do not understand it totally - but I am aware you can make the debt unenforcable but not "right it off". Using the letter on this
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