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  1. Hope I’m posting in the right place. I’ll try not to ramble too much. In April I ordered a bed frame and mattress from Perfect Home. The delivery men came and delivered the mattress and the frame in the box. They told me they’re not meant to leave it in the packaging but they would if I wasn’t ready to put it together. They left it in the box in my hallway. After disposing of my old bed I opened the box to see that only the headboard and footboard were in there. I called them the same day to tell them that there was no slats or sides to the bed. They apologised and said it had never happ
  2. Hi there, I received a county court claim form with the date of service 19th june with no particulars of claim attached. I filed my AoS and i have been waiting for the PoC but they still haven't been filed . My defence date is tomorrow (17/07/18) so im really at a bind as what is required of me. I'm thinking i have to send in a defence but i'm not sure what to write the defence against as im sure its defending the points set out in the PoC. Its briefly outlined in the "Brief details of claim" on the front of the form but besides that...nothing. Should i write my
  3. I stole from primark, stupid choice and will never happen again. The goods totalled to £53 and I was told that, because of this, the police had been notified but will not show up today. This leads me to believe I will hear from them - will this happen? Regarding RLP, everyone has said to ignore the letters which is exactly what I'll do. My only concern is the debt collectors - will they show up at my house? Or just letters? The security guard took my passport and photocopied it with my address and mobile number. The local mall security also showed up and took my details. I know I'm
  4. Hi, My husband rents a black taxi and I have just received a PCN dated 14th June for a contravention that occurred on 12 Feb! I am about to ring the taxi firm as I'm not 100% sure that he had this cab at the time (he has to swap them when they have to go in for repairs etc) but isn't 4 months a bit of a long time?? this is from TFL
  5. Hi everyone. Need some a little bit of help. Got a letter from westcot, saying my account with them had been fully paid, and was now closed. And to stop making more payments to them. Also it said the balance was: minus £303. Phoned them up as I thought there was more to pay on this, and the lovely lady, after putting me on hold for a while, explained that the originator of the debt had informed them it had been paid, then retract that message later. She would contact them, to get an explanation. But there was still £1400 owing. Where does this leave me? I have a letter s
  6. Hello to all you helpful souls @ CAG, I am hoping for some advice...... A couple of years ago I took out a payday loan with MRLENDER @ £700ish. I found myself in financial difficulty and was not able to repay. I tried to talk to MRLENDER but they were not interested in my circumstances and just insisted on full payment or interest/charges would be added etc. This annoyed the hell out of me!! Therefore I just ignored them. I have now received a letter from MORIARTY LAW (dated 09/12/16), stating; Amount Due: £1312.50 Original Lender: PDL Finance t/a Mr Lender We hav
  7. Sent my appeal off with some brief details of why i was appealing , Had a Letter from DWP confirming that they received my appeal, and about how much ESA i will get until it's heard, But so far over 1mth since requesting the full written statement of the Atos wca Form IB /ESA85, But so far i have not been sent it, The person that i recently spoke with from DWP ,Confirmed that they could see that i had previously requested it, but could not understand why i had not yet received it, What can be done to force them to supply this info,(assuming it actually exists) ?
  8. Hi, I received a claim on 14th feb 2015 from Shoosmiths Solicitors on behalf of Cabot. I had already sent a CCA request to Cabot on 30th Jan 2015 and they replied on 4th Feb 2015 saying that they currently do not have this information on file but have requested the information from the original lender. They anticipate the information will be provided within 40 days. I have acknowledged the claim at MCOL and I am posting a CPR 31.14 request to Shoosmiths in the morning , is there anything else I should be doing? Has anyone had any dealings wit
  9. Hey all, this just resurfaced after over 3 years-how do i respond to this? Letter of claim We act for HOIST PORTFOLIO HOLDING 2 LIMITED and write to inform you of its intention to issue proceedings in the county court fot the above outstanding amount (£2609)that you have failed to repay. Details of debt: This debt originates from a written agreement betwen the original creditor (lloyds credit card) and you. The agreement was subsequently terminated when its terms were not complied with. Our client later purchase this account and it was legally assigned on 08/09/
  10. I have been rather stupid and rather than dealing with my CCJ, I ignored it. I received a letter from the Bailiffs office, was dated 26th July, but didn't actually open it until Thursday 29th. I tried to call the bailiffs number with out any success. After looking for some advice on line, I made an application using N245 on Friday 30th June and was advised at the Country Court that the bailiff would see the application on Monday morning, which is the 3rd Of July - date they said they would be visiting. I was told that this application should s
  11. Following the Manchester bombing earlier this year several concerts have been cancelled. The show I was due to attend this coming Friday 14th July however has had the venue changed. At tht time all of the tickets were cancelled and new tickets issue for the new show, with a pre-sale on Thursday 22nd July for people who originally purchased tickets. I repurchased my tickets through Eventim as that was my original retailer, however I am still waiting for my tickets to be delivered. Every other retailer (ticketmaster, gigs and tours, etc.) used an online e-ticket system, however eve
  12. Name of the Claimant ? Lowell Portfolio Ltd Date of issue – . 13/02/2017 What is the claim for – . 1) The defendant entered into an agreement with T-Mobile (UK) Ltd under account reference XXXXXXXXXX 2) The defendant failed to maintain the required payments and the service was terminated 3) The agreement was later assigned to the claimant on 25/07/2016 and notice given to the defendant 4) Despite repeated requests for payment the sum of £353 remains due and outstanding And the claimant claims a) the said sum of £353 b) Interest pursuant to s69 County Cou
  13. Hi I have received a county court claim from Lowel solicitors for a aqua credit card that i took out 2 years ago. I don't have much idea what to do now. I have read a little on here but do not understand. Do I first go onto the county court website and say that I am defending the claim. Do I send a CCA letter of some sort to Lowel solicitors or to the original Aqua credit card I took out. County court issue date 12 April 2017 Signed Lowell solicitors The agreement was later signed to the claimant on 21.7.16
  14. this is for a friend court papers arrived for an old EE debt. she thinks its not statue barred. checked her credit file. and this is the first time she has checked it. it has nothing for EE or lowell on it. in fact no defaults at all. logged into moneyclaim and did the aos and tick box to defend whole of the claim monday the cpr 31.14 record delivery am i correct in what have i done so far and what should i do next. the issue date is 13th december
  15. My father has received a Parking Charge Notice from Parking Collection Services. The reason been for Parking on Yellow Lines or in Cross-hatched area at a car park in Ipswich. However my Dad has never been to Ipswich and the vehicle pictured isn't his (different make, model, colour and has a different reg number) !!!!! Adress of the alleged parking infraction is The Hub, Ipswich, IP1 2QA Dad is looking at sending the following appeal to them I am appealing as the registered keeper against this unjust and unwarranted parking charge notice. I appeal on the grounds that my
  16. Hello, Really need some help. Last Thursday I went outside to go to work and my car was clamped. Rang the bailiff and they have been chasing me at my old address for the last year. I moved address in November 2015 but didn't update my address with my lease company until January 2016. I never received any notification of the fines, if I did I would have paid them. Have got a few over the past year and always paid. There is two fines outstanding totalling £1104. The fines were all in December 2015 I have spoken to (TEC) and filed the statutory
  17. I am in very real danger of being attacked or worse by a friends ex boyfriend, he has sent me a death threat on facebook which I am taking very seriously. Having been attacked very badly once before I still suffer from PTSD, Depression and the fear for my life I am experiencing has driven me in to psychosis. I became friends with this couple just at the time they were going through a relationship break up, having met him only a couple of times I found him to be a very unpleasant person, he talked about snuff movies which he enjoyed watching and his love for
  18. Hello, I hope someone can advise. I am looking for some assistance. I have just recieved a Small Claims Summons from a large organisation chasing a debt from a Ltd Company I was a Director for the sum of £840.70. The company I was a Director for dissolved in June 2015. I signed a trade account agreement in my name on behalf of the company as I was the Director. The company only had a £750.00 trade limit. It was a trade account but yet the large organisation is chasing me personally now for the debt. I started the business in the hope of success b
  19. Hi, Excuse the lack of detail as i do not actually know anything and i only called Natwest as a PPI claim company kept hassling me and indicated you could of had PPI even though rejected. This was back in 2004 i had a loan i don't know the value exactly or period etc, this was refinanced with another loan with then a couple of times (loan chain) I think the first loan was 2 or 3k. over 2 maybe 3 years They came back with a some forms to fill Declaration and acceptance i just want to understand whether the banks offer is likely to be trustworthy. main wording being, I wish to
  20. Hi guys, I CCA'd Lowells about a credit card I had in 2010. I received a response from them, however, the name and address entries are blank and the credit limit is incorrect. There is literally no personal information held about me. So, as this is clearly an attempt at using a correct CCA, assuming i'm stupid, what's my response? Cheers
  21. Hi all , I have a defaulted barclaycard account which was sold to MKRR recently, ouststanding balance about £4500. I have been passed from one dca to another over the number of years that i have had this account set up payment plans then things have happened so they havent been stuck to, it then goes quiet for a few months and then seems to get passed to different dca i have received 3 letters to date first 2 were to inform me that barclaycard have assigned and transferred my account to MKDP LLP etc the third one i received today from MKRR asking me t
  22. Hi all. Today I have received a claim form from BW legal on behalf of VCS. The ticket was issued on 26/06/2015. I followed advice on here r.e ignore it, however this has now come through. Help & advice appreciated!
  23. Hi All, Hoping someone can help I have received an N1 today for a debt which has shown defaulted on my credit file for some time. I have refused to engage in conversation with the debt collection agency (Lowell) who have attempted to call me numerous times and sent numerous letters. Today I got the N1 through the post, just three months before the default is due to drop off my credit file. The particulars state; 1) The Defendant entered into an agreement with Vodafone under account reference [Ref] ('The agreement') 2) The Defendant failed to maintain the required pa
  24. Hi, Claim form received from cabot through restons sols. Only just in the nick of time too.... I've moved and it went to the old address, I've acknowledged service. Next to cca, I guess? I'll post the particulars later. Might need some help with defence. So I thought I'd start a thread now rather than later Mike
  25. I received a claim form from MKDP today for an amount in excess of 5k. Claim is as follows. Issue date is 10/12. The claimant claims the sum of £6000 being monies due from the claimant under a regulated agreement originally between the defendant and {A major bank, Credit Card}. {The account} was assigned to the claimant on {a date over 3 years ago}, notice of this has been provided to the defendant. The defendant has failed to make payments in accordance with the terms of the agreement and a default notice has been served pursuant to the CCA 1974. The
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