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  1. Hi, hope someone can help. This is in regards of a 'stayed' case from August 2016 Via the County Court Business Centre. Cabot/Restons At the time I requested documents those being: 1. Agreement/Contract 2. Default Notice 3. Assignment These never arrived within the period of 12 days, then a further 30 days. I went on to deliver my defence and ultimately the case was 'Stayed' Present day: I have just received a photocopy of a credit agreement with spreadsheet statements from Cabot who now which to 'discuss the options available for this account.' My initial
  2. Hi hoping someone can help/advise, I received a CCJ for the amount of £2802.71 for a credit card. England based. I can't pay this and on the form it does not tell me how I can pay this off in instalments. I have lots of debt which I am dealing with but this one slipped through, my fault totally. Any advice on how I should proceed would be much appreciated. Many thanks.
  3. Hi, I parked in a loading bay for what felt like no more than 15 minutes and received a parking ticket. See images attached. I couldn't see any signs that clearly displayed the time allowed or the terms and conditions. Is this legal? Please let me know if you need any information and thank you CAG in advanced!
  4. Hi, I'm new to the forum, but have been a long time lurker. First of all apologies for how long winded this is, but I hope I include all the relevant information. Alleged card debt from card taken out in 1998. Alleged debt approx £5k. Card sold to IDEM Capital Securities August 2012 Alleged Card default August 2013. Idem Capital Securities assigned alleged debt to Arrow Global November 2015 About three years ago I received multiple claims for alleged credit card debts, and with the help of this forum managed to get one claim dropped and ended, one victory in court
  5. Evening, I am seeking some thoughts from more learned individuals. I received a Claim Form end of Dec 2017 for an old WF debt and subsequently entered my defence on MCOL. This was on the 5 January. Since then I have received nothing further to my formal requests for additional information surrounding claim aside from two chaser letters from Cabot's solicitors detailing their 'client wish to settle out of court' and then '14 days to negotiate settlement otherwise instructions from Cabot to lift stay'. Called the court today and was advised that Cabot / their solicitors had attemp
  6. Hi there I have received a claimform for a Santander O/D:- Name of the Claimant ? - Hoist Portfolio Holding 2 Limited Date of issue – 23 April 2015 Date of defence - by 4pm – 25 May 2015 - This is Bank Holiday so should I send by Friday 22/5 ? What is the claim for – The claim is for the sum of 2***.** in respect of monies owing pursuant to an overdraft facility under account number XXXXXX XXXXXXXXXX. The debt was legally assigned by Santander UK Plc to the claimant and notice has been served. The Defendant has failed to repay overdrawn sums owing under the
  7. Hi Guys Im new to this I received a court notice from mortimer clarke on behalf of cabot in 2015 regards a cc I filed my defence and sent them the requet for proof of my cca which they did not send me the court stayed the claim and now 2 years later they have appealed to remove the stay with the court ive just received court papers sending the claim to small claims track and mortimer clarke has asked the court to complete this without a hearing any help would be much appreciated
  8. Post for a friend Letter from Mortimer Clarke concerning a CCJ issued in July 2017. Please fill out this I&E form within 14 days otherwise instructed to life the stay and request payment of £50 per month. No CCJ on credit report. Requested copy of CCJ. Defaulted back in March 2011. 1st letter knowing about CCJ. My question is does sending stat dec as never received the CCJ paperwork and couldent defend claim, where does it reset it to? Does it take all the way back to 2011 so debt would be SBd now or to the original court date in 2013 and debt not Sbd?
  9. http://www.mirror.co.uk/news/uk-news/nurse-walked-out-care-home-10166243 The Nurse was giving evidence at a Coroner's hearing into the the deaths of the 3 men. The tale told was quite shocking and I was surprised that the coroner reckons that neglect was not a contributory factor into their deaths !. I think I would rather go to Switzerland and take my own life than end up in a care home. I guess you cant tar them all with the same brush, but even those where residents pay very high fees are coming under scrutiny !
  10. Hi All, I have recently defended a claim by Shoosmiths on behalf of Capquest for a Cpaital One credit card taken out in Oct 2008, the last payment made was in Jan 2012. The claim was stayed at the end of Jan 2017 after filing a defence. Before filing the defence Capquest was sent a CCA request, a copy was also sent to Shoosmiths with a CPR31.14 request, which Shoosmiths remain in breach of. However today Capquest has sent a response to the CCA request (attached). They have also sent somebody elses application for a Barclays Sky Card which includes their name,
  11. Hello CAG I hope you can help me. Due to unemployment I fell behind my overdraft payments and HSBC closed the current account in 2013 and sold to Cabot. In October 2015 Restons made a county court claim for a HSBC overdraft debt for £1900 including court fees for an overdraft on behalf of Cabot. I defended this claim based on the lack of documentation from Restons/Cabot and to date no documents have been supplied by Restons. The claim has been stayed just over a year now and I was wondering if I should leave it stayed or get the court to strike it out?
  12. Hi guys, I have been following similar threads on this forum and have found much useful information regarding defending a claim from Restons and Cabot Financial vs myself I had an old CC account which is most definitely Statute bared and used this as my defence when Restons entered a claim via Northampton County Court Business Centre. (Although they claim that I had made 2 x payments of £3.15 both on the same day in April 2013) !!! A typical Restons stunt from reading similar threads!.. It has now passed the 28 day stage since they were informed of my SB defence and I have phoned th
  13. Hi, I am hoping for a little advice Lowells issued a claim against me for the sum of £5200 I confirmed the claim and sent defence in I also requested copies from them of default notice, statements of accounts, credit agreement (post 2007) and also that they legally owned the debt. I received nothing and the claim was stayed. A few days ago I received a statement of accounts and credit agreement and although the covering letter says the default notice is enclosed is was not there, the covering letter basically threatens me to contact them or they will apply for a default judgement to be ma
  14. I have received a letter saying "If we do not hear from you by X we have instructions to issue legal proceedings against you in county court to recover the full balance outstanding. PLease be aware that, if it is necessary to issue legal proceedings, there will be additional costs incurred for which you may be held liable" Should I call them, if not what would you suggest as my next action? Think this is around 6 months from SB. Thank you
  15. I recently attended a court hearing to get a writ stayed as it was enforced by a company who claimed to have purchased the debt July 15, however as they are not recognised on the original claim the judge told them they have no legal stake on the ccj. I am aware the claimant was used in name only and the 3rd party have been involved from the start. I would like if possible to know what action if any can I do to stop them now applying to court to have the claimant details changed. As i have a claim for illegal eviction, unlawful entry of property, removal if
  16. She appealed to Smart with the same mitigating circumstance and they told her to pay. A complaint to the principle who hired the [problem] gets the charge cancelled.... http://www.itv.com/news/meridian/2015-09-23/mother-fined-70-because-she-stayed-in-asda-car-park-after-doing-her-shopping-to-breastfeed-baby-daughter/?ref=yfp
  17. Thanks for taking the time to read this, I'd be really grateful for any advice please. I had two accounts which were sold to Cabot, they wrote to me in July 14 and then issued a MCOL case ten days later via Restons claiming £7,138. I part accepted the claim but said that the figures were completely wrong and I only admit to £1,000 of the claim. My response was received in time by the processing centre and I then heard nothing until March 2015 when I received a letter from Restons advising that their client was still trying to get together the paperwork. I then got a letter at the s
  18. Hi, I wonder if someone can advise me please. I was issued a Claimform on 13/1 . On 29/1 I filed the acknowledgement of service and I filed my defence on 12/2. I got a letter from the court telling me my defence would be served on MKDP and they have 28 days to respond or the claim becomes stayed. I've heard nothing from the court since and I want to know if the 28 days are working days or calender days? In the meantime I wrote to MKDP and asked them for copies of the signed credit agreement, statements, notice of default, notice of assignment of the debt.
  19. Hi I've browsed through this section looking for an answer to this but can't seem to find one ! I received a County Court summons from Wilkin Chapman Grange Solicitors in July on behalf of Arrow Global, who had purchased some outstanding credit card debt from Capital 1. I filled in the forms online and denied the debt, I also submitted a CPR 31.14 request to Wilkin Chapman Grange Solicitors, they responded to the request and said they would grant an extension of 8 weeks so they could supply the documents and give me time to answer them. It's now been 11 weeks and I still ha
  20. Hi, I'm not sure if this is the right forum but I've a question that doesn't seem to be answered and its driving me crazy. I have a debt company chasing me for an old debt, they applied for a CCJ in which I sent a SAR request as my defence. They have now sent the paperwork and it showed the last payment was on the 10/10/08 yet they filed a CCJ claim on the 6/10/14. Is this debt statue barred as no judgement was registered due to the CCJ being stayed as there is no ccj registration against me due to the ccj claim being but on ho
  21. Hi there- to anyone who can help me in a very frustrating situation. I am the defendant of a case brought against me by a company who is representing a creditor - to the sum of aprox £3000 The case details are very vague against me to which there were not specific details at all that i could relate to or remember as i have a few very old debts from over 5 years ago that i have had no correspondence with. Before i submitted my defense I sent several letters to the claimant requesting specific details of the account in question so i could identify what debt the claim related to but the clai
  22. Hi all my question is as follows A family member and partner and passenger parked in the Car park of Iceland sign states no free parking for disabled drivers. Free parking for 2 hours, photo to prove this. Driver overstayed by 30 mins or so. Due to the following A late add to the story, the passenger in the car a (Motability car) is disabled and had an epileptic fit and was unable to get about for nearly an hour after the fit. Hence the late return and getting the PCN. Otherwise they would have left the site within the time limits. PCN issued by ANPR to the RK the company is
  23. Rang up to see where my claim is up to and was told it was "stayed".Can anyone explain what this means ?
  24. hi, i have just received cc j forms regarding overdraft which i originally contested due to huge amount of charges that were added on, at the time the banks were being investigated and my ccj application was put aside until judge was able to make decision, (as i understand it) I didnt hear anything back, despite the banks apparently winning the case, but left it at that, until last week when i received these papers from another firm a dca who it would seem has bought the debt. I need some advice about how i should defend this if i still can, is this application valid baring in mind the
  25. Hi guys, Not sure if this is the right forum but I'll ask anyway. Thanks in advance for reading this. Sigma SPV and their pals HL Solicitors put a money claim through Northampton court (where else?!) on May 2012. Due to the fact the money they are collecting refers to a) A debt over 6 years old (although they took the debt in 2011) b) It is less than £500. c) The credit card company (HSBC) was in breach of credit agreement (I got ripped of by internet merchant) once I put my defence in, they decided to stop perusing the claim, However they have listed a default on
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