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  1. Name the issuing court: Glasgow Sheriff Court Who Is The Claimant: Cabot Financial UK limited Who Are the Solicitors: Nolans What type of action? Simple What is the claim for – On 14/10/2013 the Respondent entered a credit card agreement with New Day Ltd under which the Respondent borrowed money from them repayable on demand. The said agreement was an agreement under the Consumer Credit Act 1974. The date of termination was 31/03/2017. The Respondent failed to pay as agreed on demand and is in breach of contract with the said New Day Ltd and the supplier a
  2. All documents are here: http://www.scotcourts.gov.uk/rules-and-practice/rules-of-court/sheriff-court---civil-procedure-rules/simple-procedure-rules Below are those relevant to DCA/Debt Buyer Claims with specifics highlighted within them. Some interesting musings... The DCA HAS to state the documents they intend to rely upon within their claim. [box E2] It is heavily directed toward the claimant/respondent dealing with this via ADR outside of court There are no immediate court hearings/if any at all...the sheriff is directed to r
  3. Hi, I've received a letter "NOTICE OF INTENTION TO ISSUE A SHERIFF COURT SUMMONS" alongside a booklet from accountant in bankruptcy. I assume that I will be receiving a summons shortly, any advice? Thanks in advance, didn't expect this
  4. All documents are here: Ordinary Cause Action for over £5000 http://www.scotcourts.gov.uk/taking-action/ordinary-cause the important ones are attached to this post Period of notice after citation ......time you MUST reply by: 3.6. (1) Subject to rule 5.6(1) (service where address of person is not known) and to paragraph (2) of this rule, a cause shall proceed after one of the following periods of notice has been given to the defender- (a) where the defender is resident or has a place of business within Europe, 21 days after the date o
  5. name the issuing court: Kirkcaldy Who Is The Claimant: Cabot Financial (UK) Limited, Marlin House, 16-22 Grafton Road, Worthing, West Sussex, BN11 1QP Who Are the Solicitors: Simon Nolan (Nolan’s Solicitors) What type of action? : Simple What is the claim for – 1. on 21/09/2015 the Respondent entered a credit card agreement with NEW DAY LTD under which the respondent borrowed from them a sum of money repayable on demand. The said agreement was an agreement regulated under the consumer credit act 1974.. 2.The Respondent failed to pay as agreed o
  6. Hi guys looking for some help with this that came a couple weeks ago before i went on holiday. Name the issuing court: Edinburgh sheriff court Who Is The Claimant: Cabot financial uk limited Who Are the Solicitors: Nolans What type of action? Simple What is the claim for – On 19/03/2014 the Respondent entered a Retail Credit Agreement with HITACHI NOVA under which the Respondent borrowed from them a sum of money repayable on demand. The said agreement was an agreement regulated under the Consumer Credit Act 1974.. The Respondent failed to pay as agreed o
  7. name the issuing court: Airdrie Sherriff Court Who Is The Claimant: Cabot Financial Uk Limited Who Are the Solicitors: Nolans What type of action? (simple/Ordinary): Simple What is the claim for – 1.On 17/10/2011 the respondent entered a mail order agreement with next directory under which the respondent borrowed from them a sum of money repayable on demand. The said agreement was an agreement regulated under the consumer credit act 1974. The respondent failed to pay as agreed on demand and is in breach of contract with the said next directory. 2.The said
  8. Hi i am looking for some advice on what to do with a court letter i have received. It is from an old credit card from Aqua which i had taken out back in 2013. The Claimant is now Arrow Global Limited who i assume has now purchased the debt. I have until 11.08.17 to reply. Issue Date: 06.07.17 Amount approx: £2288.42 Claimant: Arrow Global Limited Solicitor: Shoosmith LLP Original Creditor: Aqua Credit Card (NewDay Ltd) Particulars of Claim: The claimants are a finance company which inter alia operates the business of debt purchasing. By virtue
  9. I received a simple procedure notice of claim recently and I'm unsure of what to do. This was from a few addresses ago. I'm unemployed, recently had a baby and suffering from postnatal depression. My brain is a bit 'fuzzy' at the moment and I find it hard to take things in and concentrate. What do I Do?
  10. Hi guys im hoping for some advice on what to do with this debt, i had no idea they would take me to court for it and am panicking a bit now, i have looked around the site but cant really find specific advice, so apologies if i havent looked hard enough and i appreciate any help you can give, cheers neil. What is the claim for – the reason they have issued the claim? Please type out their particulars of claim (verbatim) less any identifiable data and round the amounts up/down. on 31/03/2015 the respondant entered a mail order agreement with J D WILLIAMS AND COMPANY L
  11. Hi all Apologies if this isn't right as i'm new to the forum as i'm looking for some advice. I saw that others have had a similar experience to me and was hoping you could help me too. Last week I had a Sheriff Officer at my door who in the end put the form through in regards to the Simple Procedure Claim relating to a debt from 2012. This got me concerned which led me to do a bit of searching on the internet for advice. The debt came from a time when I took on far to much and in the end couldn't afford to make payments. Yep, it was a stupid decision and one i've
  12. Hi there I have received a hand delivered envelope (I haven't signed for it, don't know if that makes any difference) containing a Simple Procedure Notice of Claim by Arrow Global for an Aqua credit card debt. I have never received one of these before and I am not entirely sure what it is. Is this a fishing expedition by Arrow to pressure me to respond - there are no court stamps on the letter or date to attend court. A Time to Pay application has been included. The amount they are asking for is more than the credit limit as on the card, I assume the balance
  13. I need help/assistance regarding a Simple Procedure claim that was posted through my door on Thursday 5th October by Sheriff Officers. The claim by Capquest/Shoosmith is regarding a catalogue debt which I believe should be statute barred as the date that a default was issued was 10/07/2012. I suffer from a long term illness and also depression and around that time was in and out of hospital frequently and for one reason or another, ignored the debt! Capquest/Shoosmith are now pushing to recover the debt which was initially owed to shop direct for the sum of £449.37. As I rely
  14. Hi all, I'm new to this site but I really need help. a few years ago I got myself into a right pickle with debt. I was young and stupid and when it came to having to pay, I couldn't. I have had letters from collection 'enforcement officers' which I haven't given a second thought, letters have been binned etc and we've since moved house. Yesterday morning two men knocked my door and handed me a form from the local sheriff court advising that I will be taken to court in order to recoup the money owed to the collection agency. They did not introduce themselv
  15. Hi I previously received the simple procedure paperwork regarding a LloydsTSB Credit card debt from 2013 for £1900 ish I did a bit of research and found this place so sent my response back as per what I found on here and fired a CCA request to Cabot ( I made one mistake and said I'd sent it recorded when in fact I sent it 1st class with proof of postage - no matter as they mention it in their reply which to me is an acknowlegement) I now have a case management meeting Next Week I have also received a reply from Nolans - both of which I'll add as PDF's (now that I've f
  16. Hi all Need some help Just received a PPI refund offer from Barclaycard. PPI began on 4th Nov 1999 and ended on 7th Nov 2000. The account is now closed. barclaycard dont have any statements etc from this time so have estimated the refund based on average figures. The offer below is based on "average amounts we would refund someone who was sold a comparable policy on a credit card held for a similar time period" Refund of Payments made for PPI cover charged on a comparable policy £240.55 Refund of interest charged on PPI Premiums charged on a comparable polic
  17. i started in a company at the beginning of December 2015. They have 33 days annual holiday (after a qualifying period). Their year runs from 1 June each year. So, when I asked about holiday pay at Christmas 2015, I was told I wasn't there long enough to qualify for holiday pay (I had been there three weeks). I knew this was "strange" but didn't want to rock the boat in a new job. On the first day back in the new year, everyone got their floating holiday entitlement, I queried my entitlement, and was told to ask again in June. Again I asked at Easter, and was told I had accrued 4
  18. Is it possible to find out who owns a residential property? I live next door to a house that is rented. The tenants have been told by their landlord not to correspond or have any contact with me. This stems from an issue with a boundary. The landlord has contacted me himself by text, but the only details I have for him are a mobile number (which could obviously be changed at any time) and a surname (which I suspect might be an alias). The landlord has not been particularly helpful and doesn't like me using the mobile number I have for him. Is there anything I can
  19. In April 2014, significant changes were made to the way in which bailiffs can enforce debts. Most importantly, the fees that can be charged are fixed and transparent. The following page is an overview of the new regulations. Terminology The Taking Control of Goods Regulations 2013 modernise terminology. The terms levy, distress or distrain are now known as the process of ‘taking control of goods’. A walking possession agreement is now called a Controlled Goods Agreement and bailiffs are now known as enforcement agents (although they can still be referred to as bailiffs). Warr
  20. Hey there. I'm just an average commuter via TFL, & would like to ask some questions. 1) Let's say I am in possession of an annual ticket for all zones. If I lose my ticket during transit or forget my Photo-Id proof to verify the ticket belongs to me - will I be able to avoid a fine later on? Or will the probability of being fined be almost certain? 2) If I'm entering my local station, & a series of RPI's are camping the entrance, are they supposed to be checking people entering the station, or those leaving? -> I ask, for if my train is just hitting the platform,
  21. I have had an ongoing issue with British Gas since my renewal dropped through the letter box in September 2014 for £340/yr. A fairly simple telephone call you might imagine to negotiate a better deal to compare to competitors at around £200/yr for the same level of cover. Anyway, two telephone calls that failed to result in a new price, due to "computer issues". Followed by various methods of them delivering the same £340/yr renewal quote with no explanation. Plus my complaints via on-line message through the website and to various complaints/customer service email addresses ha
  22. Hi, I am a bit confused. I have been made an offer on my ppi which comes to £2,044. I think that this is far too low. I've just worked it out and my calculation comes to £3659.02. I did this based on what I have read on another thread. consumeractiongroup.co.uk/forum/showthread.php?304901-How-to-calculate-the-interest-on-PPI-claim My loan is still open. I took it out in April 2009. The premiums come to £460. I have calculated the compound interest at 11.425% on each monthly premium from the time the premium was applied to the the ti
  23. Hi guys, I've just made the first steps to fixing my financial mess and am arranging a DRO. However, I need to arrange statements of each debt with account numbers and total amounts owing. Now after spending a while being chased by the delightful folks at companies like MMF, Red Castle, Fredricksons and Lowell, I previously changed my mobile number and requested that the ones I've been in contact with only contact me by email. However, now I need these statements I'm going to have to go to them, but I don't want to give these people my current address (and the endless stream of thre
  24. All set to claim redress for PPI on an old store card and am now flummoxed by an odd interest term in the recon agreement. 'We will charge interest on the account at 1.5% per month' The APR is as follows... (blank, none given?) 'Interest will accrue on the account on a daily basis from the date of transaction until payment in full is credited to the account. Each month interest will be added to the balance on which interest is charged' As its a store card there was an option for interest free purchases, ergo the term above (on which interest is charged) Having managed to
  25. A number of years ago, I got off a train and walked to an extended platform to get a second train to my final destination, I saw I had just missed the second train so decided to walk instead, I went to a fast food place within the station to get some breakfast and then walked out of the station. As I left the station, a BTP officer approached me and asked to see my ticket, of which I did not have one. As such, he said I could either receive a caution or be summoned to court prosecuted for trying to defraud the railway services (or something like that). A couple of days later, I had
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