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  1. 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
  2. Hi, I opened a credit card account with vanquis in September 2005 and stopped paying them around early 2008 as they were hammering me with charges and i'd pay them what they asked for and the next month there'd be another charge. Obviously they must have defaulted the account and sold it on to lowell. I've only recently been checking my credit file and noticed that the default date for the account is september 2013. The cynic In me feels that lowell.s may have done a bit of sleight of hand with the default date as I doubt vanquis would have waited over 5 years to put the account
  3. My partner has Autism and OCD, this was not taken into consideration at any point of the Court Proceedings, does this constitute to an unfair trial ? Is it against the rules to have the Same Judge at your Appeal hearing, as at your original trail, in the (secret) Family Courts ? If other rules were also breached, causing an unfair trial, can I subsequently take any action in respect of these ? Any help or advice would be much appreciated. Many Thanks
  4. Hi, I have been paying off an old debt to original creditor at £10/month for the past 9yrs. I recently got a letter from Nolans Solicitors telling me that Marlin have appointed them to request payment of the full amount which is over £9k, a way load more than original debt. I have noticed the original debt is no longer on my credit file I have still kept paying the £10/month to the original debtor. Can anyone advise what I should do? It was taken out about 12yrs ago. Thanks
  5. I'm in a bit of a pickle and am hoping someone can help me work out how to get around this: I bought my partner an Apple laptop via eBay three years ago. All seemed above board, but I collected in person and the seller insisted I pay cash as they didn't want to risk a Paypal chargeback - fair enough, I thought. At the time, they assured me they would send me a copy of the original Apple sale receipt and I asked several times. The seller then stopped responding to my messages. Not an issue, I thought, since I had the laptop and didn't think the proof of purchase would be an issue
  6. Hello I received a citation for an old credit card debt and was wondering if any one knew how to get the date extended so I have time to make up a defence if this is possible? I'm in Scotland Many thanks Tom
  7. Currently running at 87% of decisions same as original DM decision because.... This folks is why you should ignore the DWP and appeal! I'll give DWP DMs the benefit of the doubt here as although my last MR for DLA was refused.... the Mandatory Reconsideration DM actually didn't write against my new lower award but how I could win at appeal! Bizarre but true ! Reddit thread Rightsnet thread https://www.rightsnet.org.uk/forums/viewthread/11271/
  8. Hi seeking some advice if possible , i read some of your posts regarding Lowells and i sent a request for a copy of the original credit agreement using the template supplied on site. I received a letter sometime back saying they would request it from the credit card company and that would take 40 days !!, as of today 14/12/16 i received a recorded delivery letter with an enclosed copy of a so called original agreement , this agreement has no date on it , no agreement number on it no signature on it and the address is spelt wrong it looks like they have just
  9. My request is a simple one, I want one or two set of Blank Used Empty Original HP Cartridge for Refill Purposes. Model is 953 or 953 XL Printer Model is Officejet Pro 8715 Any one any idea of how I can source these, please let me know. It has to be Originals. Thanks all.
  10. Hi all, Bit of background ... I fell into a bit of money trouble back in 2011/12 and fell behind with a multitude of things, which manifested in 7 defaults being placed on my credit file (I know, right?). I'm glad to say that all is reformed, I'm in stable employment, my finances are doing great (aside from not being able to get reasonable credit, of course) and the defaults have started to drop off (3 down, 4 to go). Once I had gotten myself back into full time employment, I settled all of my debts outright. One in particular was a credit card with MBNA/Virgin. I set
  11. Name of the Claimant ? Hoist Portfolio Holding 2 Ltd Date of issue: 29 Feb 2016 defence due by 4pm 1st april What is the claim for – 1.The claim is for the sum of £11,028 in respect of monies owed under an agreement with the account no. 4929… (16 digit ref) pursuant to the Consumer Credit Act 1974 (CCA). The debt was legally assigned by MKDP LLP (Ex Barclaycard) to the Claimant and notice has been served. 2.The defendant has failed to make contractual payments under the terms of the agreement. A defa
  12. https://www.whatdotheyknow.com/request/assessment_of_deferment_applicat#incoming-562041 dx def process.pdf orig def form.pdf ref sheet.pdf
  13. Long story short. Around April last year I bought a guest bed for the spare room. The bed has only been used about 10 times as it's a guest bed, however the frame has broken and is fairly unusable as a bed. I've contacted Halifax to raise a S75 claim, however they are saying as I do not have the receipt to prove I purchased the bed, I am unable to make the claim, even though I have provided them with a statement showing the purchase. The bed cost £199. The store I bought the bed from went out of business late last year, so I have been unable to contact them. Do I
  14. I received an NIP in late August early September for doing 36 mph in a 30 mph zone in July,got flashed by van. I admit that it was my fault and completed the document accordingly giving all of the required information and posted the form back to the relevant authority awaiting to hear what my punishment would be:|. I heard nothing until receiving a letter from the authority yesterday with my name incorrectly stated, requesting that I complete another NIP due to the fact that the original NIP was addressed to my company name as I operate from home as a sameday courier and my vehicle i
  15. Hi, We have a credit card debt with MBNA taken out in 2008 which defaulted in 2013. It is showing on CRA as 'satisfied' with MBNA, but then appeared as Aktiv Captial, who chased through 2013 - 2015. The debt is now with PRS Group and we have had a letter asking for payment or Court Action will ensue. If the debt is showing 'satisfied' can PRS still push for payment, or is this 'satisfied' because the debt has been bought? We wrote to Aktive in 2013 asking for CCA, they sent us photocopied version, scribbled numbers over and no sig. Do we just igno
  16. Name of the Claimant ? Cabot Financial UK Date of issue – . 12 Feb What is the claim for – ? 1.The claimant claims payment of the overdue balance due from the defendant under a contract betwen the defendant and capital one dated on or about april 18 2013 and assigned to the claimant on sep 28 2015 22/01/16 default balance 305.70 What is the value of the claim? 305+costs Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? credit card When did you enter into the original agreement before or after 2007? After 2
  17. I have a number of defaults on my credit reports they are about 4 years old. I am thinking of writing to each creditor/collection agency asking to produce copies of the default notice and the credit agreements. My question is this. If a creditor or collection agent cannot send me copies of the original default notice and the original default becomes unenforceable is it possible for them to issue a default notice following this for the same account? therefore a 2nd default on that same account would be on reports for another 6 years? Thanks in ad
  18. What if anything do I do next?? I have recently found out that Cabot have bought another of my old debts from Yorkshire bank, the difficulty is that Yorkshire bank took me to court in February 2011. after I gave them the request for my original signed documents they then wrote to me stating the debt was unenforceable. Should I tell Cabot about this or wait for another claim form?
  19. Hi, we are currently being pursued for a debt by the above three (which I understand are all the same company). The original agreement for this was in 2003, although payments were made to them through a DMC and I think the last of this would have been in 2008. The debt stayed on the credit file and we think it may have been resigned in or around 2007. However at our request as Equifax have removed this debt from the credit file. Can these people apply for a CCJ or not? does a debt become statute barred six years after the original agreement or six yea
  20. Hi fellow Caggers I'm not sure if others on here have any thoughts into this, but I'm hoping to get some help to clarify the situation on something i have come across recently, having read this as part of the lending code. 232. Customers should be advised BEFORE their debt is passed or sold to a third party by a subscriber. The intended outcome of this provision is that a customer SHOULD NOT receive any contact from the party to whom the debt has been passed or sold without having received prior notification from the subscriber of the transfer. what if the OC (subscriber) has
  21. I have today (30th January) received the letter below from Parking Eye dated 15 January 2015. I did not receive the original PCN letter it refers to. I changed address shortly before the "Date of Event: 06 December 2014". There was a delay with the DVLA updating my details and my mail re-direction service failed so I assume the original PCN is one of the items Royal Mail mis-delivered. The letter says: "The 29 days have now passed and the amount now payable is £85.00, this payment is required within 14 days to avoid further action." As this letter was redirected
  22. I ordered a power supply from a retailer 17 months ago and it developed problems. I sent it back they found problems and they said that a replacement was not available so they would refund me, but they would only refund me £20. The product i bought (XFX 1050W Fully Modular PSU) cost £150. The warranty they provide is 2 years. They gave me some crap about it being only expected to last 2 years. Now im sorry but a top end PSU only lasting 2 years is ludicrous, its beyond crazy. I would say a 4-5 year minimum on high end top quality PSU's indeed i have 2 others which were both high end at th
  23. Hi all, I was hoping some of you could possibly help me please. I received a CCJ claim form from a very old debt (2004) that I am 99.99999% sure is SB. The purchaser of this debt has been writing on and off now for almost 6 years. I have never called or written to them in all that time. They purchased this debt coming up to maybe 6 years ago now and the account was well into default by that time, with no payments being made for well over a year. So by my reckoning there has been no payment or acknowledgement of the debt for almost 7 years. I have done the acknowledge clai
  24. Hi, Lowells have been pursuing a debt they have bought. I sent a 'prove it' letter with my pound postal order. After waiting the 12 working days, i had received nothing other than ' We're still looking, Bear with us' letter. I then sent the failure to respond to my legal request letter and account has entered default. Both templates i copied from here. Since then i have had two 'Still looking' letters, and this week they sent one saying that it has been 8 weeks since they received my 'complaint' ?? but they are still gathering the necessary information
  25. Hi, i would like to fill you in on what happened 15 years ago. Our 17 month old daughter was diagnosed with Neuroblastoma cancer, we were informed she had a 5% chance of survival . We went to see the manager at Lloyds TSB to inform them of our circumstances and to ask that no phone calls were to be made to us; all correspondence was to be in writing. The bank ignored our request and rang us on numerous occasions and just 5 minutes after finding out our daughter had only a week to live; Sadly she passed on at 21 months old. The bank carried
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