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  1. Hi all, I have received a letter out of the blue from cabot regarding an HSBC loan, allegedly in the sum of £11,045.93 I had this loan with HSBC but have had no default notices, NOA or anything from them since I fell on hard times in 2010 and had to stop paying. It states that it is an important notice and that after several attempts to contact me (in reality, none have been made or succesful) they are allegedly going to take legal action against me! What is the first step in this - letter states that if I do not call within 7 days of the date of letter (10th March) they wi
  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. Hello there, My partner has two student loans with Erudio. Back in March he received a phone call from them saying that his loan had matured and they wanted payment. We asked them to send this in writing and never heard anything, they also hadn’t sent any reminders regarding deferment. he continued with his deferment for his two thesis loans and received confirmation from SLC that deferment had been accepted for both Erudio and Thesis. However we received a letter last week from Erudio demanding payment of the loan. I called them on partners behalf, he has anxiety
  4. I parked in a no through road which leads to the entrance to a supermarket car park and a derelict building site, which after many years of standing empty is finally being redeveloped. The road is accessed from a main road, where there are normal road markings and no signs stating that you are entering a private road and there is No Parking or any charge if you do park in it. Shoppers often park in this road for a short time whilst they go the supermarket, even when there are spaces available on the store car park. One day I parked in the road because the supermarket car park was f
  5. 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
  6. Predatory mortgage support boss disqualified by the courts READ MORE HERE: https://www.gov.uk/government/news/predatory-mortgage-support-boss-disqualified-by-the-courts
  7. Good evening all, I've done a bit of research trying to close accounts which led me to requesting CCA's to Cabot. I sent two for two different accounts which they took off Halifax (1 x CC & 1 x Current Acc Overdraft). I posted the following to them: Dear Sir/Madam Account No: With reference to the above agreement, I require you to supply the following documentation before I will correspond with you further on this matter. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the a
  8. parkingbill2018, where are you with this case? I've got the same problem on the same location, but mine is on early stage, have only passed to the ZZPS LTD Could you please update when you get a resolution Thanks,
  9. Please advise Parcel2Go have lost a laptop I was returning to Argos for a full refund, They have lead me a merry dance with lots of excuses and won't compensate. What now please?
  10. Hi I started a Ppi claim with Lloyds a few weeks ago there were 9 old loan account from 1992 to 2000 with Ppi. I should have my response in Aug. But this week I have received 2 letters in the same envelope to old address even though Lloyds have new my address due to claim. One is from Lloyds saying they have sold my debt to asset link the other from asset link. I know there's a Lloyds charge on my old house from 2006 (ex wife and kids live there but my sole mortgage) as its on land registry. Any one know why I've been sent letter? I assumed they wou
  11. Hi to all. I am going to try and keep this very simple and brief. I was sent a package/gift by my relative. So it was not a online purchase or any of that sort The item was delivered to my apartment complex via Royal Mail signed for service and was received by the concierge who signed for the item and made a log of my parcel and put in a delivery note via my letter box. However when I went to collect my parcel it had disappeared from a secure parcel room. I am not here blaming the concierge stealing the package all I am saying it just disappeared. I spoke to the buildi
  12. Companies House today 12/06/18 confirmed that Claire Louise Sandbrook, High Court Enforcement Officer and owner of Shergroup Ltd is officially a resident in the USA, as per her completed form for Persons with Significant Control dated last year on 02/06/2017 (but filed today). 12 Jun 2018 - Change of details for Mrs Claire Louise Sandbrook as a person with significant control on 2 June 2017 - New Country /State usually resident: United States https://beta.companieshouse.gov.uk/company/04771589/filing-history Given that aside from Shergroup, Sandbrook sells her authority as an H
  13. Wow so happy to have found you CAG. Fingers crossed I can beat this. I am devastated, treated myself and a friend to a theatre show tickets were about £7 each. We are both pretty skint and I have now had a charge for £60-£100 quid!!! Theatre Delicatessen (voluntary run theatre) had just moved to the address above when I went to see the show which was on the 24th October 2017. Yesterday 6th Dec 2017 I received a letter asking me to pay £100, or £60 if I pay within 14 days of the date of the letter 29/11/17. (Why have they taken so long to respond but yet I am pressu
  14. Hello people, I am new on this forum so please have patience with me. Last year I was searching for insurance for my girlfriend's car so I went on money supermarket or confused (can't remember exactly which one ) I put the details on there HER being the policyholder and me as named driver on policy with the option for business miles everything ok i got quotes from a lot of companies and we have chosen GoSkippy from the whole list, made the papers put down details for direct debit insurance went on and i though I have a business insurance but I was mistaken. The problems started ye
  15. Hi everyone, I moved into a rented house June 2018. Recently I received my first water bill, and it shows me that my average use was around 600 litres of water a day. So the amount to pay is £186 (for 2 months - June and July!!)!! That is a complete nonsense - only two people live in the house, and we don't use water more, then anyone else - we never leave the taps open when not necessary, never take shower more than literally 3-4 minutes. But here comes this bill... Thames Water acknowledges that the amount of water consumption is really unusual . They sug
  16. Prices of some snacks almost triple if you buy them at the station rather than on the high street a Sunday Mirror investigation can reveal. https://www-mirror-co-uk.cdn.ampproject.org/v/s/www.mirror.co.uk/money/huge-markups-price-snacks-station-14004342.amp?usqp=mq331AQCCAE%3D&amp_js_v=0.1#referrer=https%3A%2F%2Fwww.google.com&amp_tf=From%20%251%24s&ampshare=https%3A%2F%2Fwww.mirror.co.uk%2Fmoney%2Fhuge-markups-price-snacks-station-14004342
  17. Hello, back at the end of 2008 I could no longer afford the mortgage on my french and spanish properties, I spoke to the bank but they did not want to help, I ended up handing the keys to both banks. In March 2010 I had a few emails from the french bank asking if the local agent could market the house as they had a buyer, this was all agreed and I didn't hear anything till January 2013 when a uk debt company asked me for full payment. They sent me a full breakdown of costs and they had added 40000 euros in interest late payment fees, court costs etc. I told them I di
  18. New code of conduct for artificial intelligence (AI) systems used by the NHS READ MORE HERE: https://www.gov.uk/government/news/new-code-of-conduct-for-artificial-intelligence-ai-systems-used-by-the-nhs
  19. New research on the long-term health of 2 groups of older veterans READ MORE HERE: https://www.gov.uk/government/news/new-research-on-the-long-term-health-of-2-groups-of-older-veterans
  20. Hi guys thanks in advance for any replys, all help appreciated. I received a letter through the post to state that I had been charged with the offence of being the registered keeper of an uninsured motor vehicle. The letter I received was sent to my old address (mums house), stating that I either need to reply guilty or not guilty etc to the above offence. The vehicle in question was my old car that was left at my mums on the driveway for her to scrap/sell, I had moved the insurance from this car onto my new car so at this point the car was uninsured. Due to the
  21. I'm about to buy a (relatively) low cost item from a small-time online manufacturer who usually sell in large quantities to tradesmen. They have applied a 'low order fee' to make my order up to £50. Are they allowed to do that? (I suspect yes). I noticed in the Shopping Basket breakdown that VAT then also got applied to this fee - are they allowed to do that? Thanks.
  22. The end of an era: RAF Tornado returns from operations for the last time READ MORE HERE: https://www.gov.uk/government/news/the-end-of-an-era-raf-tornado-returns-from-operations-for-the-last-time
  23. I am looking for advice on gaining the removal of a default notice recently applied by HSBC. I'm new to this site and therefore have not previously followed any advice provided by this site. I'm requesting the default be removed from my credit reports as I believe I have been unfairly treated and this default has not been applied correctly. I believe HSBC has treated me unfairly as they refused to offer and agree a payment plan that their Final Demand letter offered, their communications, and application of process have contained many inaccuracies that have meant resolving
  24. This is a thread to contain my payday loans, my original one is here: HERE Here is a list of the payday loans i taken out from 2011-2014 (ish) The last contact i made with them was December 2017 as instructed by Redbridge Finance a company who was "supposidly" going to help me claim compensation from them. Wonga Quickquid Payday express Mr lender Myjar The money shop The cheque centre To name but a few, there are probably more but it really hurts my head when i try and think back. I am not being chased for any of the above debts at the moment, and
  25. Hi I've ordered a leather apple watch strap from WSC - THE WATCH STRAP CO. The strap was faulty and I returned it back to them within a few days of receiving it and requested a refund. However they refuse a refund and only offer a replacement or a credit. They claim their terms of conditions clearly state that. I am pretty sure that I have a right to a full refund but I am not sure which is the applicable legislation. Is it the Consumer Rights Act or the Distance Selling Regulations? Where can I find the relevant sections? They also have a sticker on the straps that says
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