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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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Changed flight to 26 hour lay-over 3 days before return flight - LATAM


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I booked my tickets through an travel agency from Santiago, Chile to London, UK, via Madrid. Flights are are operated by a mixture of Iberia, BA and Latam, but the agency bought the tickets via Latam.

I am currently on my holiday in London and I've just found out 3 days prior to boarding the return flight from London to Santiago, that my connecting flight in Madrid (to Santiago) has been changed from a 2 hour layover to a 26 hour layover, which I think is ridiculous.

Surely this must be unreasonable?  Is there anything at all I can do?  Do I have any rights in this case?  They could at least provide me with a hotel or similar?  Or perhaps a different route home from London?

Thanks in anticipation of any help or guidance that anyone can give.

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Hi, thanks for getting back to me.

I'm not clear about this.  I used the Flight Network website, which seems to be registered as Gotogate International AB, in Sweden.  I paid using a Visa Debit card in Chilean Pesos.  Does this help?

How else would I find out which jurisdiction is responsible for my ticket purchase?

I spoke with FlightNetwork and they said that the airline cancelled the flight and they the airline provided an alternative flight (23h49m later or 25h30m total wait time), and that this was a "valid" situation and that if I wanted a different flight, I would need to pay the difference.  Surely this can't be the case?  I'm arriving the next day at my destination as well as being 25 hours in Madrid airport.

Again, many thanks for any help you can give.

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Hi there, as your cancelled flight departs from Madrid you are covered by EC261, so that's good news for you.

You are entitled to duty of care for your stay in Madrid so that is hotels, meals, drinks and transport paid for by the airline. Do ask the airline what they are willing to provide as some might want to make the arrangements for you. If they decline or fail to respond, make your own arrangements and keep all your receipts. Should be reasonable (don't book the Ritz-Carlton).

If you arr happy to get a free holiday in Madrid for a day, this is your easiest option.

Your other options are to:

-ask for a full refund (for the half you didn't fly) And buy your own ticket back.

-ask the airline for a different flight back at a different date, of YOUR choosing, providing there are available seats (they cant magic seats if flights are full)

If you choose either of these, no duty of care will apply, so you pay for your own hotel etc...

One exception woudl be if you ask them to keep your new flight from MAD to latin america but change the LON-MAD leg to the following day. In this case, they ought to pay your extra night in London.

The above is nom negotiable but you may need to fight Latam for it.

In addition you may have a £520 claim for your cancellation. This is separate from duty of care so wait until you have decided your options, and make the claim afterwards

 

 

P.S. forget your travel agent. Your flight was cancelled involuntarily so now you deal directly with the airline.

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They should also be able to put you in one of these if you call them (assuming those aren't all cancelled)

 

Quote

 

IB.png

Madrid (MAD) to Santiago (SCL) — Wed, Sep 6
Iberia 6833
Dep: 11:59 pm
Arr: 8:30 am
13h 31m
Airbus A350
Economy (V)
Thu, Sep 7

 

 

 

Quote

 

LA.png

Madrid (MAD) to Santiago (SCL) — Wed, Sep 6
LATAM 705
Dep: 11:50 pm
Arr: 8:20 am
13h 30m
Boeing 787
Economy (L)
Thu, Sep 7

 

 
Quote


London (LHR) to Santiago (SCL) — Wed, Sep 6
AA.png
London (LHR) to Dallas/Fort Worth (DFW) — Wed, Sep 6
American 79
Dep: 12:00 pm
Arr: 4:18 pm
10h 18m
Boeing 777
Economy (S)
 
Layover in DFW
 
5h 2m
AA.png
Dallas/Fort Worth (DFW) to Santiago (SCL) — Wed, Sep 6
American 945
Dep: 9:20 pm
Arr: 8:52 am
9h 32m
Boeing 787
Economy (S)

 


 

 

Try asking.

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Thanks everyone for your replies.  It got sorted in the end.  I'm not entirely sure how I resolved it ultimately. Nobody will tell me.

I called Latam again who insisted they couldn't do anything and Iberia had to do it.  I then called Iberia who said Latam were responsible and they left a message in booking system apparently.  And then after 40mins with Latam, they finally relented and changed the flight.

It was all very unsatisfactory customer service, but just glad to have gotten it sorted.

Thanks again everyone for giving me confidence to be bold with them.

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