do i need to say i have now married, account is in maiden name

Claim form date is 11/11/14

i suppose my only option is to pay, i do want to reduce, am assuming halifax will use cabot to get the credit cards and loan back as well, and if one is £85 its unrealistic, £85 for all a month is something maybe. so I fill the form in and then send it off, I suppose they will want my financial details, just mine because its my debt?

yes do regret it now, had a very stressful year and it was just the bit too much on the top to deal with it.

its an installment amount they want monthly! wish i had it lol -

Once you have found out as much info as you can, please fill this out; You have received a claim form - no done the claim form bit, now have a decision from a court which went against me, they want payment by 05/01 In order for us to help you we require the following information:- Date of Claim: 11/11/2014 Name of the Claimant ? Cabot financial Uk Ltd What is the claim for – . – (its an overdraft) the claimant claims paymwnt of the overdue balance due from the defendant(s) under a contract between the defendant(s) and Halifax – current account dated on or about april 28 2001 and assigned to the claimant on jul 18 2014 in the sum of #4716.14 Particulars a/c no ............[15 digits] What is the value of the claim? £4716.14 Is the claim for a current or credit/loan account or mobile phone account? No, unpaid overdraft When did you enter into the original agreement before or after 2007? Acct was opened before but overdraft was prob after. Never signed for overdraft was done either over the phone or online Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. No original is Halifax, this is Cabot Were you aware the account had been assigned – did you receive a Notice of Assignment? no Did you receive a Default Notice from the original creditor? No just bank statements saying your overdraft owed is this, interest this year is this Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? no, I don’t think so, we do from the loan people but not from the bank about the overdraft, the account is still open as well, as is our savings account Why did you cease payments? Halifax withdrew our overdraft without warning Easter 2011, we had no money to pay, they threatened to take money from our other accounts so we took all our money and moved to a different bank. What was the date of your last payment? Unknown but was never paid off every month, wages went in, covered a bi, then bills came out, put as back to the £4,600, never went over Was there a dispute with the original creditor that remains unresolved? I did complain I was basically told tough, that overdrafts are short term. I did this al over the phone, I was organising a wedding at the time so don’t really remember Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? We did speak about the fact we had no money at the time, didn’t do a debt plan, just walked away. hope this helps, they also have not issued this to my hubby, he is named on the account as well

no the CCA request was for the credit cards, I just dont know what the CCJ is for, it just says Halifax, doesnt say what part or what I owe

ok thanks, just panicking, and been stressing over Xmas about it, had the letter about 3 weeks ago, god knows where I put it. I'll ring tomorrow and let everyone know, thanks for your help

Hi, really hope you can help, background first - I had a loan account with Halifax until I met my now husband, he joined it and became a joint account, Halifax gave us a very large overdraft of £4,600 (we were both earning well), and we had a credit card each, plus a loan through RBS. However Easter 2011 Halifax withdrew our overdraft with just a letter, it had been okayed in the February when they looked at it, and without out warning it was gone, it left us with a £4,600 debt overnight, we were getting married in the October, so we decided to remove all of our money from the bank and move to Nationwide, and have not had credit from anywhere since, by choice. They tried several credit companies to get the money out of us, and since then at some point i did the CCA on them, cant recall when. Heard nothing from them about the overdraft account, or the 2 credit cards, get an annual statement for the loan, and a statement for another account i had with them. out of the blue I received a claim form from Cabot and admit i ignored it, as I had all other letters, I have never had a letter from Cabot saying they bought the debt, just this claim form, have had another letter come, which I cant find now! saying it went against me in court and I have to pay £85 by 05/01 or else, they say they can enforce me, I assume send bailiffs round, which i want to avoid, we dont have anything to that value. first what do i do, and 2nd i have noticed the debt, doesnt say what its for, just an amount, if its my credit cards I didnt think it was this high, if its the overdraft then its a joint account why arent they going after my hubby as well. can anyone help me please, i have had my head in the sand a bit, my hubby has aspergers so is unable to help me, and feeling a bit overwhelmed by it all

I have followed all advice, have done complaints sent the cca letters, have slacked off in last month due to organising a wedding at same time! Halifax nearly took all Of our wedding money which is why we Emptied the bank account. Have sent recorded delivery letters, ignored calls etc etc. I have played my part but it's just Halifax, all the other debt is sorted and they all played Ball, some were very caring! It's just Halifax chasing overdraft, credit cards and the loan.

this all just goes on and on, our credit cards, loan and bank are with Halifax, however they just wont answer any of our letters, they keep selling the 3 debts to companies who just get more aggressive and threatening with each letter - the latest says because we havent contacted them, they are looking at court then go on about what they could do, like taking it straight out of our wages, i have offered them a monthly amount and they just dont reply!!!! any ideas

HSPF and Capital one have replied with our agreements that we signed, however HSPF have still sold our debt to a debt collection agency. i tried to complain to OFT etc but had a few pc problems, Capital one said that the letter they sent showing us our signed agreement is a document they can ad will use in court against us, most of them didnt reply its been weeks now! bit delayed in acting before cos of PC probs.... what the heck do i do now, still cant pay anything, still broke, Halifax make me laugh cos they are daily writing to us about our overdraft and then sending us statements for an old aco**** ......

HSPF = i have sent them 2 letters now by recorded delivery offerign them 50.00 a month, they have each time said they wont accept it and have asked us to phone them, however before i could phone (not that i would) or write again they have sold the debt to a Abbott Commercial, i am so cross because HSPF have just ignored us. i will send the CCA to Abbot but is there anything i can do about HSPF and them ignoring us.

hi, i have had some letters back from some companies, no replies from others, HSPF the loan - have refused our £50.00 monthly offer, they are demanding that we ring them, they are also demanding and they used the word demand! a list of all names, addresses, and amounts we owe and are paying to all the companies incluing utilities that we pay! they have said that we need to speak to them to set up a relaistic payment plan. Halifax have ignored all of our letters and have now told us that we have broken a redit agreement and that they are sending our file to a solicitor becuase we have broken the terms and conditions of our account, however they took the overdraft away, because we havent paid the £4,600 when they said we have broken our credit agreement. EOS have replied and said they have sent my request for the CCA to their clients, but then EOS also said on a different letter that they are sellign my claim to a different collection agency. as yet i have made no offer of payment to anyone, i thought i had to wait for the CCA to come back, (except HSPF offered them £50 and Halifax £5) whats my next plan??? thanks

Hi have sent letters to all now, most asking then to prove they right to collect, one to loan company with payment request and standing order details wanted etc. Then one to Halifax telling them to sod off have offered them £5. Most I will offer a £1 till things are better, have forbidden them all from phoning me and have said they must write or email, although I have not supplied my email address. Thanks though, I don't feel as controlled now by them because I know they could go to court but I am not ignoring debt just waiting on their replies.

i have emailed them but they never reply, so i am goign to have to write to them, i have though cancelled the direct debit because if i dont and it goes out it leaves us in harship, i had already placed all of this in an email to them, but i wil now place it all in a letter, i am goign to offer them half for 6 months lets hope they take that, and i will complain about the charges, because there customer services told me over the phone, that it woud be absorbed into the loan, but the colelctions department said they cant do that and the charges apply, although he said they dont apply if i ring at the required dates, which i cant when its an 0845 number on a mobile, have stopped using the home phone, have actually unplugged it! what can they do if i dont pay? because stopping it means i am not paying, i dont have their details to set up a standing order, which is what i woud like to do, then i have control over payments

on another note last night i sat down and worked out our finances the ony thing we have continued to pay is a loan with HSPF home shopping personal finance, when the bank pulled our overdraft we missed a payment, however they have now said they cant do anythign about it, i am in arrears and they will charge me £35 a week charges for the time i am in arrears, i cant see me being able to clear this for ages, and i am strugglign to pay the loan at £430.74 a month, its not due to end till 2013, any ideas, i am goign to write to them and plead my case the next payment is due on 19th of JUne and to be honest i will struggle to find it and will then probably end in 2 months arrears, the man on the phone (i will write next time) said i had to pay it, and wants me to phone every 5 days to tel them when i will bring it back into pay, he offered me to clear the arrears at £38 a month extra but i just dont have it.....any ideas, i am tempted to not pay and then try and get a deal with them, its not secured on anything

you havent said if your on benefits at all, i can help you there, go and apply or your 4 weeks rent in advance, you will need ID and a mini statement from your bank and a letter from the landlord proving you have paid the rent and how much they need for 4 weeks in advance, i know its not a lot o help but at least you can look to being housed. you will need to ring the social fun department

another Hamptons problem here, i have received a letter from Hamptons Legal concerning a Kays Catalogue debt, i did ring them (found this site afterwards) and they are investigating the case because the fees on teh Kays account are all charges caused by kays, anyhoo, the letter says they have a copy of my credit file from Eperian and that they will use that to see what other financial committments i have and then get bailiffs round, i know they cant go down the bailiff route, the debt is £160 but can they get my credit file i havent as yet accessed my credit file. what does everyone think?

thanks, i have emailed the finacial ombudsman today abot Hamptons legal who have accessed my credit file through Eperian (or so there letter says so) the ombudsman have told me to register a complaint with the company, i am goign to email them, have set a secret email address up on Hotmail so they can spam it as much as they like, however i dont want to charge in there and not use the right wording. they have said they are goign to use my credit file which they have a copy of to see what other financial committments i have, threatening bailiffs etc, now i know now its rubbish so am not worried but i do need to odge this complaint, any tips on this anyone....need to get it right 1st time

the CCA letter do i send it to the company i had the credit with or the company who are now chasing me for it???? thanks

hi i seem to be having problems opening any links for letters, i have soted some folders out for all of these firms, but i need to send certain letter and the links people have given i cant seem to open them, anyone help

thansk for your help everyone, some of them dont have any payments ingoing, i am goign to offer them all £5, its all i can afford to be honest, the one who said they had my credit file and read back whats on my credit file is firm called HAMPTONS, not too sure what to do about this because i am sure they should have got my permission first. so what do i send to these companies to find out if they have the right to have the account??

wow thanks for your help, to be honest it was all making me ill, which i clearly dont want! i have no disconencted the home phone (dont use it anway and never here to answer it) and i have started keeping records fo everyting sent to me...i will though write to them which is what i need to do, i accept its our debt it was just awful cicumstances which got us here. i have t phone a loan company today we only missed one payment but after their response when i rang i am not holding out on them, they are a subsidary of Halifax so should be interesting, the woman last times said yor credit file wil be effected, i was like love, its too late for my credit file anyway lol

WTC does not give you an automatic allowance to HB or CT, because you prob claimed housing on a basis of a low income, however they would have taken the WTC into account and used as part of their decision, i would write to the council, becaue all of the sytems are really linked so they do find out, make them aware that you have been overpaid WTC and that you are payign it back, they readjust your housing, not sure if in your favour, do it in writing though.