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    • I'm sorry to say but your story still makes very little sense to us. I've run this past the rest of the site team and I'm afraid that they tend to agree. We are going to try and do our best to help you but first of all we really do have to understand the story – and to begin with you should understand very thoroughly that we are no friends of Npower. I'm going to try and summarise what I understand of your case from the Npower letter which you have posted up yesterday. In 2012 you believed that your account was being billed inaccurately. There was a balance of £1498.91 and you consider that this was wrong you contacted Npower in 2013 and they said that the billing was accurate Npower said that the size of the sum owed was due to the fact that you had been making underpayments up until this time eventually you paid £500 so that the balance was £998.91 Npower suggested an instalment plan despite this you continue to pay instalments but at a lower rate than they wanted and no instalment plan was put into place this would mean that your account according to Npower was continuing to fall more seriously into arrears Npower put you into their collections department which means that they started adding charges you then claimed that the electricity metre was faulty Npower undertook to test the meter and Sue Npower's own fault there was a delay and this only occurred in October 2015 according to Npower, that his show that the meter was performing correctly Npower apparently have reversed at least some of the late payment charges which were applied to your account at February 2019, and power say that you owed them £2295.18 p you have pay them £140 so that the outstanding balance at 15 April was £2155.18 p   please will you tell me if you agree with the above summary and if there is anything that you disagree with, please would you very simply tell us which paragraph number you disagree with and why you disagree with it. Please keep it short. No narrative. You're hurting your own chances if you carry on with this extensive narrative. I'm very sorry to say this and I don't want to be hurtful to you.    
    • The earnings for free entitlements only means employment earnings and not the amount of benefits.   So if employment earnings are below the threshold, then send back proof of employment earnings.
    • One more stupid question - If I send the same FOC CQ to HSBC which contains all my bullet points of evidence, does this not give HSBC the 'heads up' regarding how to combat / argue the points I've made? And I send HSBC ALL the evidence too?
    • Hi Correct   I dont know if i am doing this correct by forum rules If not please advise thanks
    • I am afraid you are liable for the enforcement fee in any case. When the letter said to cont them, did it not also say to make a satisfactory payment arrangement? Bailliffs will not accept a unilateral agreement, and without payment ?  
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Nolan Solicitors BOS Card sold to CAbot

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I wonder if someone can give me advice please on how to proceed, I have likely done the wrong thing already.


My bank of Scotland credit card was sold on to Cabot who I was paying £5 a month to (all I can afford)


I stopped paying a while ago when even that payment got to much due to post op recovery and sick pay.


Now it has been passed to nolans law and they are threatening court action.


I have emailed them to offer the original agreement of £5 just to get them off my back as I'm scared about a ccj but I'm worried they will decline this offer and take me to court.


I know the debt is valid. I know it was sold on and it is on my credit file as satisfied.


I am not sure of the best course of action?

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What are the details of the debt, date account opened, default date if any, assignation dates, whats showing on your credit file?


In many cases we can help but need all the info first.





I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.




GEMHL Settled

Barclaycard Settled


Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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CCA cabot or the solicitor. Cabot rarely ever chases legit debts. They just buy them in bulk and harass and intimidate until someone pays up

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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