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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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Hey there guys.....

 

I hope im posting in the right place and that maybe somebody can help me, im kinda going out my mind now.

 

I wont bore you with a full history but i will sumarize briefly,

 

January 2017 my wife and I where taken to court for non payment of council tax,

we was given a liability order and it was passed on to rundles enforcement agency for collection of payment.

We made a payment agreement with them but due to being made homeless and a situation beyond out control we never kept up with the payment.

 

In November 2017 rundles made contact again by sending us a "PRIOR NOTICE OF INTENDED PROCEEDINGS" letter,

we made contact and agreed to a weekly payment plan,

we made the first 3 weeks payments.

 

On December 18th we called them and asked if we could defer payment for 2 weeks as i was receiving no wages and start payment again on the 4th January, they told us we couldn't and it was tough luck.

 

Unfortunately we couldn't make the 2 payments like we told them but did do as we promised and made a payment last Thursday 4th january.

The day after my wife and I received a text from rundles asking us to contact their agent urgently and provided us with a mobile number for him,

 

we called immediately

he advised he was on annual leave until today (8th January) and to call back then.

We also contacted rundles head office but they would not talk to us as it had been passed to an agent and said we would need to call him monday.

 

We called the agent

he has said that unless we pay the full £426 by tomorrow (9th January) 12:00 he will have to come round and seize goods,

i advised him we dont have that money upfront but can reinstate the original weekly payment

he said no,

 

we told him that due to being in temporary emergency accommodation we don't have any of our own goods in the property that he could take.

He has said that if he cant get in or seize goods then we will be getting a commital referral tomorrow,

something like that,

he is using a lot of big confusing words and i dont know what to think.

 

Can anyone advise what my next steps should be

how to handle tomorrow,

is it possible my wife and I could be arrested tomorrow or is he trying to scare us?

 

If i contact my local council tomorrow is there anyway i could get them to stop this and take back debt?

 

Any advice at all would be great guys.

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of course you do know he is bluffing.

he cant force entry nor put anyone 'in prison'

 

best idea is ring the council concerned.

were they the ones that put you in the emergency home..do they know?

as this sounds like you are extremely vulnerable too.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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We called the agent he has said that unless we pay the full £426 by tomorrow (9th January) 12:00 he will have to come round and seize goods.

I advised him we dont have that money upfront but can reinstate the original weekly payment he said no,

 

We told him that due to being in temporary emergency accommodation we don't have any of our own goods in the property that he could take.

 

He has said that if he cant get in or seize goods then we will be getting a commital referral tomorrow, something like that,

 

Can anyone advise what my next steps should be, how to handle tomorrow, is it possible my wife and I could be arrested tomorrow or is he trying to scare us?

 

If i contact my local council tomorrow is there anyway i could get them to stop this and take back debt?

 

What you were told is not right at all. Neither of you will be arrested and there will not be any committal referral. I will respond in more detail later this evening.

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Typical Rundles, Contact the council and a local councillor tell them that you are homeless and being threatened with prison for a Council Tax LO by a bailiff who is uttering threats of actions he cannot lawfully carry out.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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If you want advice on your thread please PM me a link to your thread

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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As above,

 

See how may threads there have been in the last month, where the local councillor has stopped this dead in it's tracks. I always say contact the local head of the council too for good measure.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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