Update on the letter received.. now i have gone through it properly it says a 'letter of claim details' then runs through debt details etc what do i advise her to agree to or not and sign etc? It does say 'date of assignment 19/12/16' but she has no notice not to say it wasn't sent she isn't the best with getting issues sorted out.. ..what would be the best way to go from here offer £5 a month or dispute it? They state if she doesn't contact them they may issue court proceedings so even disputing would or could stop it? any help apreciated. The link above is the form she has been issued.

I'm tryin to help the mother in law with her debts. .today she received a letter from 'Mortimer Clarke Solicitors' advising they are working on behalf of 'Cabot' allthough i believe mortimer clarke are part of cabot? They are saying if she doesn't contact them within 30days they have been instructed to apply to the court for a ccj, The account was assigned to cabot in 12/2016 and started in 08/2013 its a catalogue debt. They enclose a questionaire type form with do i owe the debt ,i agree i owe the debt, i don't agree etc the form goes like that etc and a expenditure form they want her to tick the relevant box and sign it which i said no... .would it be right to contact them and ask for the signed contract if one exists. .statements...notice of assigment etc.... would this then seeing as contact has been made the ccj threat put on hold for now? She is on the basic benefit so got nothing ...the address is her friends house not her own address ...shes divorced but stays at her friends house and used that address but don't know how cabot have it.. ..obviously she doen't want a ccj going there so what's the best way to procede.

I asked the question on amount payable because i emailed them and got a reply back asking how much i wish to pay each month, With not having anything saying or agreeing to any amount from 1st direct didn't know whether the original amount was still standing. Many thanks for all help offered.

do i keep the payment the same as per the previous court order...

we have an update, Today another letter arrives from 'Lester Aldridge' headed NOTICE OF ACTING.. advising they're acting on behalf of their client 1st credit, Their client has now been substituted in the proceedings and to find a copy of the sealed court order, It then goes on to say Lester Aldridge have been instructed to act on on behalf of the judgement crditor in this claim and to accept this letter as formal notice of acting in these proceedings. Can anybody explain what that means please. It then goes on to say how i can pay the new creditor etc. Ref the court order theres no headed paper from the court just a stamp with 'HIGH COURT OF JUSTICE/3RD FEB/ENTERED/CHANCERY CHAMBERS' and the crown Under the order section basically says GLOBAL SUBSTITUTION ORDER IN THE HIGH COURT OF JUSTICE CHANCERY DIVISION 1st credit to be substituted from Amigo loans The applicant shall serve this order or a true copy thereof to the defendant and deliver the same to the individual court in all proceedings listed in the schedule hereof no ammendment of statements of case or other documents whether filed or served in the proceedings listed in the schedule hereto is required then says the court has made an order without a hearing if i object to make a application to the relevant county court...in which the proceedings are pending to have it set aside,varied or stayed and do it within 7 days of recieveing it can anybody help with translating this please ans what to do next.

Reads very odd. ..Amigo have been paid as per the court order every month since issued, Every receipt has been kept, The contracted agreement payment went out the window when Amigo took out the ccj, Last week 1st credit sent another letter advising they got the 'notice of assignment' date incorrect hence sending another letter which when held side by side with the first letter issued by 1st credit and it read exactly the same, I do feel it was sent to give a gentle reminder to call them to arrange payment because i never they seem to have upped the pressure by sending a solicitors letter hoping this will have the desired effect to push me into calling 1st credit and arrange payment with no updated court papers issued in 1st credits name. The payment date set by the court to pay Amigo was the 10th of every month and have not paid this month, I'll see what happens this week and if any baliffs turn up i'll show them what i have and no current upto date court papers to pay 1st credit and Amigo have said on paper not to pay them. In fairness anybody can send me a letter saying to pay them.

Please find letter as requested. convert-jpg-to.pdf

Would you sit tight and await paperwork? Based on the origonal being to pay Amigo, Untill/if i get a name of change from the court pay nothing.

Received a letter today from Lester Aldridge solicitors who are acting on behalf of 1st credit, They advise they have been instructed by 1st credit to apply to the court to get the original ccj altered into 1st credits name and to ring 1st credit to pay etc.... Why not just do it and send me the change of paperwork.. .untill i recieve it would you still hold of paying? The letter just seems worded the same as 1st credits but with a solictors header on it...

Update, I called the court in question ref the CCJ, They said it wasn't live on their system and under the payee name of Amigo not the company it's been sold to, Advised they can (Amigo)sell it on but wouldn't advise any further, I said to the court in theory the new purchaser if they want paying should be taking this back to court to get their name put on the claim told yes thats right so going to sit tight and see what happens, Read the claim form from the court and it says to pay the company on the claim form only so untill i genuine paperwork advising of anything other then that's what i'm doing, The paperwork from the new debt collection agency says to call them within 30days to arrange payment. .as far as i see it payment was agreed and set by the court to Amigo, Upon Amigo selling it they relinquished the right to collect it, The new debt collector untill or if they ever do go back to court to change the payee's name is getting nothing and if they want payment then they can do the donkey work i'm not calling them.

Ah right, they were due to be paid on the 10th of jan, so do i sit tight and see if 1st credit issue court paperwork for change of payee? Chances are they will issue letters saying this and that but as stated one ccj can be only issued ans Amigo have relinquished any enforcement rights as it stands untill/if 1st credit get court paperwork advising to pay them then and only then pay 1st credit the £50 as the court stated.

Just looked at the paperwork and Amigos letter states 'because you never paid the contractual agreed payments' thats why its been sold, But after the ccj issued its been paid every moth as set by the court, On 1st credits letter it says i have 30 days to contact them to speak to them about the arrangement, i have no details of how to pay first credit just the paper the letters issued on and nothing else, One thing i did notice was down the edge of the paperwork the markings and numbers are the same all be it one digit how can two pieces of paper be off the same computer yet from different companys and both in the same envelope?

Would 1st credit not have to get the original ccj altered to pay them before i start sending them money so the court agree to it being changed from Amigo to 1st credit or are they trying to get me to pay without going to court and getting the paperwork changed?

Yes payments paid every month since ccj issued so baffled why its been sold. It does say i havent been paying the agreed amount but i can only assume Amigo are on about the original monthly payment before the ccj was issued which clearly says £50 per month untill paid so yes payment as set by the court has been paid to amigo each month.

Amigo are named for the ccj £4500 roughly still owed at £50 per month I did advise amigo i couldnt keep up the repayments but they would not reduce ayment, fee wise never seen anything showing added fees prior to ccj being issued, The paperwork says pay amigo but letter from amigo says dont pay them so what do you do?

I had a ccj issued by Amigo 2-3 yrs ago set at £50 per month untill paid off, today receive a letter with a header saying NOTICE OF ASSIGNMENT from Amigo saying they have now sold the ccj to 1st credit and not to pay amigo anymore but 1st credit, enclosed was a letter as well from 1st credit saying they bought the debt on the 12th of December 16 and to now pay them and to ring them to confirm the payment plan which will be honoured at £50 per month??, My issue is the court papers i have say to pay Amigo which have now relinquished the rights to collecting by selling it on so wouldn't 1st credit need to go to court to get the order altered into their name for collection? Amigo would not now be able to enforce the ccj due to selling it is that correct and one ccj can only be issued so 1st crdit wouldn't be able to issue a ccj only get the origonal order altered at their expense etc... .any advice on what to do would be appreciated.

Yes its shop direct, no court claim letter issued to me but they did say its an option and dont wish to go down that route, The accounts roughly 3yrs old with the last payment about 8mths ago.

I have an issue with cabot ref a catalogue debt, they say they dont have a signed copy of the cca because its a catalogue debt but a re-constituted one has been issued with my details hand written in and no signiture from myself and that will stand up in court and meets my cca request, the statement of account they issued is just a printout and contains just a list of items and they say its enforceable any ideas they have refused to answer anymore of my letters so not being helpful, they have passed it back to their collections department any ideas on where to go from here. I did advise theres numerous charges which are being disputed but cabot say i need to take that up with the catalogue company and if their advised of any charges being removed they will adjust the balance. .i thought while the balance was disputed the account cannot be collected on or am i wrong.

If it goes to debt collectors then i'll go down the route of requesting all documents and see where we end up..bit of ping pong letters but worked on others i have been sorting and Lowells have closed a couple due to lack of paperwork which they said they had but then they didn't.

If they stand by the default notice time frame(18th April) where would they go from there, court or debt collection? either way they can't have what i haven't got so it's what it is.

Yes the debts still with Littlewoods, The account was opened back in 2012 paid untill roughly end of 2014, sent littlewoods letters regarding my financial situation and that i would be offering £1 per month and if my circumstances changed i would let them know, They havent changed so carried on paying £1 per month, Interest was frozen and charges allthough i think their will be charges i could reclaim, In that time i heard nothing from littlewoods regarding my letters i sent them regarding my circumstances. All i have received every month is a statement and the odd notice of arrears and the the default notice but yes all so far from Littlewoods.

I'm also a little confused. .i'm looking at the credit consumer act 1974 in it i'm reading that the creditor when serving a section 87(1) notice has to give the debtor 14days notice to pay the outstanding balance.. .the default notice was written on the 5th April this year and they say it needs paying in full before 18th April this year, Which isn't 14days... Have i read it right? Any help appreciated.

I'm trying to sort out my other half's debts one relates to a littlewoods account from a couple of years ago, Last January i offered them a token payment of £1 per month and heard nothing more, Had a few 'notice of sums in arrears' letters and thats it, Been paying the £1 per month ever since... Today the other half gets a DEFAULT NOTICE from littlewoods served under section 87(1) of the consumer act 1974 through the post and requires the outstanding balance of £1152.21 be paid by the 18th April and no further action will be taken if its not it says further action could be taken yet all it says in that part is the same we want it all paid off. I'm looking at issueing a CCA request will this put the account on hold? In bold it says this if you have difficulty in paying any sum owing under the agreement or taking any other action required by this notice, you can apply to the court which may make an order allowing you or any surety more time any help appreciated.

Thanks very much for your help.

As per the previous threads Robinson Way are now acting on behalf 'HOIST PORTFOLIO' who in turn took over from MKDP due to buying them out....so far I have been paying £5 per month since Sep14, i have one late payment but that was only a few days.... Today i receive a letter from Robinson Way, saying the agreement set up has been removed due to a late payment it then goes on to say that the late payment has now been received and the agreement has be re-instated..yes i had to read it a few times just to understand the dribble anyway there reviewing the account and request i send in my financial details to them...which i'm not(no judge has requested i do this).. I have the CCJ paperwork which was origanally sent by the court under MKDP and that clearly states £5 per month until the debts paid off, They also want to change the payment date to the 18th of each month, that was set on the CCJ paperwork as the 20th...then at the end they say they will review the account again on the 18/07/2016. Can they do this? I thought it was as per the CCJ paperwork...any advice would be appreciated as i can feel a letter coming on so any pointers would be appreciated...i'm going to include a photocopy of the origonal CCJ paperwork from the court and the assignment court doc from Hoist but there was nothing to do with altering the payment amount or date...Robinson Way think they can do what they want now so need some help.