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    • Hey people, I've been browsing this amazing forum for the past year and recieved a letter today which has made me require some help. Received a claim form from Cabot in the Civil National Business Centre in regards to an Aqua Credit Card taken out in 2018. I failed to make payments due to financial hardship and have not taken out any credit or uses any forms of credit since. Received a lot of letters from Cabot and their solicitors Mortimer Clarke which I've ignored    By an agreement between New Day Ltd RE Aqua& the Defendant on or around 26/03/2018 ('ths Agreement) New Day Ltd RE Aqua agreed to issue Defendant with a credit card. The Defendant failed to make the minimum payments due. The Agreement was terminated following the service of a default notice. The Agreement was assigned to the named Claimant. Cabot Credit Management Group Limited, acting as servicing agent of the named Claimant through its Appointed Representative (Cabot Financial (Europe) Limited), has arranged for these proceedings to be issued in the name of the Claimant. The named Claimant may be entitled to claim interest under the Agreement but does not seek such interest and instead claims interest under Section 69(1) of the County Courts Act 1984 at 8% p.a.from03/03/2023 until date of issue only, or alternatively such interest as the Court thinks fit THE NAMED CLAIMANT THEREFORE CLAIMS 1. 3800.82 2. INTEREST OF 379.84 3. Costs How would I go about this and what could happen? I don't remember much details about the card either.
    • cause like you said in post one, 99% of people think these are FINES (it now reads charge). and wet themselves and cough up. they are not, they are speculative invoices because the driver supposedly broke some imaginary contract by driving onto privately owned land which said owner may or may not have signed some 99% fake contract with a private parking co years ago, thats already expired or has not been renewed or annually paid to employ them dx  
    • My car DVLA details are 100% correct and up to date, guaranteed.  I lived at my address longer than I have owned the car and made sure the details were correct when we transferred ownership of the car, so it's not that.  It must be their second-hand eBay cameras.  I've emailed the CEO with evidence and laid it on.  I will keep this post updated with the outcome.  Thanks again FTMDave .  I appreciate the guidance. I hate these predatory parking cowboys.  How are they even legal?
    • there isn't one use that default dx  
    • upto you, if you have no assets like a home in the UK, there is absolutely nothing they can do even if they do get a judgement. i see you state last payment was 2021, so i will guess your notification to lloyds of a change of address was sent within the last 6yrs so they should have record of it on their system. why not give them a ring and ask what address they have for you? you could do AOS and defend the claim stating you are and have been resident in xyz since date, here is proof.  you could also send that to PRA demanding they discontinue the claim immediately. see what you can find out. you've till atleast the 19th (aos date) . dx      
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Creation Finance - Interest Charge


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Hi All,

 

Just looking for a quick bit of advice actually. We have recieved a letter from Creation Consumer Finance saying we owe roughly £150 in arrears, so I called them up to ask who they were as I didn't recall any agreements with them, it turned out to be the company that provided the interest free option on our sofa.

 

Basically it was an interest free option for 1 year, we paid it in full by cheque but they apparently didn't recieve the cheque until 3 days after the cut off date, which was back in August 06, since then we have heard nothing at all from them until recently with them requesting this figure of about £150. I asked them about it and they said it was part payment of the interest oweing on the account and that the balance is now over £3000 which we owe them as they are charging interest at almost 30% for the entire amount from the day we purchased the sofa which includes the 1 years interest free.

 

My question is, is that right that they do this? £3000 seems a huge amount of money, the original loan was for about £2000 if I remember and they have had that money for the last 12 month and we haven't heard a thing from them. They told me when I rang that they have conversations on tape between themselves and me throughout the year but that's a lie as I haven't spoken to them until this month.

 

If anyone is able to offer some assistance it would be much appreciated because they are saying they are taking me to court over it and I can't afford £3000 just like that especially not this close to Christmas.

 

Thanks a lot.

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I would ask them for a copy of the tape for starters, if they have lied about that what else would they have lied about. seems a bit fishy to me .. but im not an expert... im sure some one of a little more knowledge will come to your rescue soon :)

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