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  1. Hello, Mods please move or delete this thread if in the wrong section? I took a company to court over 8 years ago, I won, but the company went into liquidation before paying. I understand that the fscs offer some for of help in these situations? But they do require a lot of paperwork , which I no longer have. Is there anyway I can request copies of paperwork from the court hearing? Does anyone know how I would go about it. Thanks
  2. Hi I have received the court paperwork for an old Capital One debt (claimant is Cabot) The document says it was taken out on or around the 29/7/2014 and I've never had any documentation from Cabot to say they own the debt. In the past I have been given the wrong advice and have sent off a cpr18 letter and cca request. Can somebody please advise me of the correct way to deal with this. I have acknowledged service that I intend to defend all the claim, total amount with fees is £401.82 Thank you in advance for any advice given Macker16
  3. Attempting to put order into chaos, one such chaos is the forest of old paperwork I have on long since gone debts. I'm not talking about anything current (as in live accounts) but more on old credit card alleged debts from the last decade, they are all either settled/done with/stayed or stat barred.... Is there a need to keep all the paperwork to the now stat barred debts? Settled Debts/ done with (old accounts that i've simply closed down) Some of them are stat barred by 6+ years, others 4 years stat barred. I'm keeping the paperwork on all live accounts/stayed accounts as thes
  4. My husband [62] worked for a local family firm of printers [20 people] for the past 10 years. Ten years of night shifts [which he loved], late salaries, salary cuts, unhealthy/dangerous workplace [rain falling on his working machinery], he would get left out of company communications [policy changes] and the list goes on their penchant for cutting corners and demeaning temporary staff, but whenever there was a rush job behind schedule my husband would be called out. And would resolve. Thanks to forty years of printing experience. One habit that drove m
  5. Hello all at CAG, I've received a second claim from Hoist/ cohens for a credit card. Name of the Claimant ? Hoist Portfolio Holding 2 Ltd Date of issue – 03 Feb 2017 Date to submit defence = - by 4pm Friday 03/03/2017 ? What is the claim for – Particulars of claim: (As Written) The claim is for the sum of £11079.33 in respect of monies owing under an agreement with the account no. xxxxxxxxxxxxxxxx pursuant to the The Consumer Credit Act 1974 (CCA) The debt was legally assigned by MKDP LLP (Ex Barclaycard) to the claimant and notice has been served. The defend
  6. Hello Everyone I hope that someone could help with the following legal situation: Someone took me to the County Court to have enforcement of an Employment Tribunal granted as the original ET decision was 11 years old. YES 11 Years Old! At the first hearing the DJ struck out the judgment and listed a date for the matter to be heard again (the claimant did not attend). At the second hearing, I was stuck in traffic and did not get to the court in time and judgment was awarded to the claimant in default. At the third hearing where we both attended, the DJ heard submissions
  7. Hi There, Just wondering where I should post a new question relating to where I could find information on who I had a HP credit agreement with a few years back when purchasing a car? Or who I should write to to ask? Any pointers gratefully received. Many thanks :0)
  8. I am awaiting the outcome of a ppi refund from welcome but stupidly I went back for more. I have had a couple of loan increases and/or rewrites and now find myself with an outstanding balance of around 30k.i I am currently paying £375 pcm which quite frankly I cannot afford. I have just missed a payment due on 31/12/09 and I just know that the phone calls from the branch manager are going to start tomorrow threatening home visits etc. I do not have anything to pay them with this month. How do I , step-by-step sort this company out? short term and long term. I hav
  9. Hi It seems that Cabot Finnace has brought both mine and my wifes credit card debts from Lloyds, they have not provided a CCA in the 12 +2 days. What do I do next?
  10. I was, until the Tax year ending March 2015, part time self employed. I sent my paperwork to DS£ Accounting Ltd (DS£ Acc) every year so they could compile my Tax Return for me. They did this very well and I was always able to claim a Tax Rebate from HMRC. Every year, many of their customers sent their paperwork in December or January. This made it difficult for DS£ Acc to process these accounts in time for the HMRC deadline of 31st Jan. Therefore, DS£ Acc introduced a surcharge of £50 if the paperwork was not received by them before 31st Oct. This encouraged their custom
  11. Hi, Last month I opened a Clear Score account to check up on my credit score and see how I was doing. Today was my update day, I logged in to find that I have a CCJ against me which was issued on the 16th of March 16. The web site doesn't give much information, case reference, address, amount and which court issued it: County Court Business Centre The problem is that the address they have used is over a year out of date so I have received no paperwork. I moved out of that address in February 15 and into my fathers address to help him look after my step mother w
  12. Hi, I'm hoping someone can help. I'm currently applying to rent a house and a credit check has brought up two CCJ's one I knew about that was paid off via an attachment of earnings 2 years ago and another I have no knowledge (it doesn't even show up on my Experian or a CCJ check I paid for). from talking to the court and doing some digging I can see its to a company that are now defunct (dissolved as of September 2015 according to Companies House). The letting agent are refusing to proceed until it's cleared (if it isn't already) and I produce a satisfied statement
  13. Yesterday I received a claim form from Cabot regarding a disputed account I had with British Credit Trust. It was regarding an alleged outstanding amount of just over £1300 which I believe is made up of mostly late payment fees and charges. I have previously asked BCT of a complete breakdown of charges added, what they were for and dates when they were charged but had no response. I don’t recall receiving a letter of assignment or anything at all from Cabot regarding this account, until I received the claim form yesterday. I do intend to defend. Details on the form
  14. hello I have just found(searched the house) the actual agreement of Halifax personal loan wondering if someone could help me work out how much I can reclaim ? Taken May 2005 Credit: £6500 Arrangement fee:£65 total charge for credit 1799.68 48 monthly repayment of 172.91 APR 12.1% monthly Interest rate 0.928% Insurance premium Tax included, insurance premium at 5% with this information can I send letter requesting refund, I need a spreadsheet but can't open any of the spreadsheet links on here, can open spread sheet relating to bankcharges from 200
  15. Hi, i wonder if anybody can give me some advice.. I have just gone through a credit reference check to rent a house, i have done this before without any issue and even had a mortgage approved so my finances are good (988 score on experian!) . I work full time and have always paid my bills, i have no overdraft or credit cards. The letting agent flagged up a CCJ on my account from 07/06/2013 which was filed by Npower for £2,185. I moved out of this property on 01/03/2012 after only living there for 12 months. I worked 12 hours a day, 6 days a week and for the last 3 months i bare
  16. Hello If anyone could point me in a direction on the below I would be really grateful I had a debt with a Scottish bank (Clydesdale) when I lived in Scotland for 18 Years . It now appears there was 2 joint accounts that was defaulted on after I separated from my wife and moved away to England. The defaults according to Experian was late 2009 and early 2010. There was a CCJ applied for (£2,511. )and on my credit file, for one of the debts in 2010 but was at an address I no longer lived at in England. (I left 2 years earlier) I have now received a Northampton ccj
  17. Having read a lot of posts here and on several other Forums it concerns me at the lack of detail on paperwork issued by the Enforcement Co's. I accept they are only doing what they have been told to do so more needs to come from the "top" on what should be included. Whilst there are different debt streams all seem to lack for basic knowledge - possibly Council Tax is nearly there but should to my mind always list the amount "charged" by the Liability Order. Magistrates Court Fines should list the Court where the fine was awarded, the amount of the fine, the offence, when or if a Final St
  18. How do I identify what I think is fake county court paperwork? Is it usually blue with the courts address on it? Thanks [ATTACH]55135[/ATTACH]
  19. Had letters from capquest offering discount for a shop direct account Have now received court paperwork from hl legal and collections Particulars of claim Part only of money's due under regulated credit agreement number ...... Between Shop direct financial services ltd And the defendant the benefit of wich was assigned to the claimant on 29 may 13 The agreement terminated upon the defendants failure to comply with the terms of agreement This is dated 19 may There is lots of late payment fees What is the best way forwards SAR CCA ? Is there and defence to this cl
  20. Supermarket's banking arm accidentally breached Consumer Credit Act Thousands didn't receive loan statements while accruing owed interest The average customer is set to receive a £228 cheque in the post Tesco Bank is set to pay out £43million in compensation after a loan statement blunder left 175,000 customers out of pocket. The supermarket giant's banking arm has offered an apology to customers after a 'technical breach' meant they failed to send out personal loan and credit card statements. Read more: http://www.dailymail.co.uk/news/article-2817564/Tesco-bank
  21. I've posted several times on the forum regarding different issues, but this is something I strongly suspect is false paperwork. Had to order the Judgement Debtor to attend for questioning for the fact we have a CCJ and they're not paying. So, she brings all the evidence (and I was there to witness all this, and have their partner stare me out silently) and I receive a copy in the post. Now I'm not sure this is where I have any case whatsoever. They submit their partner's wageslip as "any other income to the household" and the wageslip stinks. Tax code is a very old one (it
  22. I'll state at the outset that I've been in dispute with the council over council tax on a semi derelict house, I've lost the argument of course. I naively thought the new regs would have brought in a new era of honesty and transparency in bailiff enforcement. I find that Bristow and Sutor notices still only show the total debt they think you owe, a single figure. I've no idea what years they're enforcing for, how much or what their fees are. It's obviously a cunning ruse to "encourage" you to take part in their [problem]. In no other financial area can businesses demand payment without show
  23. Ello, What's the penalty issued to a business using the full electoral register (i.e. non commercial) one for gaining personal details for fishing expeditions? they deny ever fishing, but I've got their first ever letter to my address, which read something to the order of : Thats not the exact wording as I don't have it at hand, but it's just to give you an idea of what the fishing letter looked like. When I get a chance tomorrow, I'll get a scanned copy of it and transcribe it. But the example I gave above is pretty much the same as whats on the letter, just
  24. I am an executor of a late friend's estate, after her death, I found a written note stating that she owed Cash Choice £450. I now regret it but I went on line, found a number for Cash Choice acting as UK Lenders Advice, and told them that she had died and sent a copy of her death certificate. That was over a year ago and I have not heard from them. Should I contact them if they have not contacted me? Does the fact that they are now called UK Lenders Advice mean that debts owed to Cash Choice UK are no longer outstanding ( the web page doesn't work)?. They have exorbitant interest r
  25. Hi all! This is my first post as I'm new to the site so bear with me I'm trying to get a default removed (Santander) The default was almost 4 years ago. I sent them off a letter asking for my credit agreement, which they provided and also requested my default paperwork. I got a rather blunt letter back saying they had sent me a copy of my credit agreement as a goodwill gesture (very kind of them) They advised they are not obliged to keep the default letters issued as the account is settled and closed. As such they say they no longer hold the letters but they gave me the months t
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