Showing results for tags 'solicitors'.
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Evening Folks, Apologies if this is in the wrong section, if it is could the mods kindly move it. I have arrived home today with my wife to find that my wife has kindly received in the post a CCJ obtained by Lowell(Claimant)/Bryan Carter Solicitors on 16/09/2015. Now this has come as a bit of a shock as we have received no prior correspondence from them regarding this debt or anything to state there would be any date to appear in court to deal with this. The judgment has also been obtained in my wife's maiden name, despite us being married for 3 years. I would greatly appreciate any help to urgently deal with this. Many Thanks G__M
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Hi all, A parking ticket was placed on the windscreen of my car from UKCPS last December (06/12/2014) whilst in the Staples car park in Hull which the PPC have named 'West Quay Retail Park'. The initial ticket which I cannot currently find stated that the driver was observed leaving the site and therefore according to the sign been displayed in the carpark states I entered into a contractual agreement and would result in a parking charge notice. This been £100 and discounted to £60 if payment was received within 14 days. (see Attachment 1) After talking to numerous people I decided to ignore this parking charge notice and did not make contact with UKCPS. Following on from this I received a NTK dated (09/02/2015) stating that '(vehicle) was observed parking Without a valid permit or authority'. The letter also stated that the charge of £60 had not been paid in full and therefore a charge of £100 was now due in which I had 14 days to reply. I also ignored this letter. (see Attachment 2) Another letter stating it was the final letter before court proceedings are instigated, dated (26/02/2015) appeared on my doorstep stating that the amount owing was now £125 if I settled the debt in full in the next 7 days otherwise may result in court action been taken with costs which could exceed £325. Once again ignored and thought it was an empty threat. (see attachment 3) Letter 3 dated (30/06/2015) looked near enough the same, amount now owing £125 and is the final letter before debt recovery action will commence. Failure to pay or make a binding agreement to pay within 14 days of receipt of this letter will automatically lead to recovery action. Once again ignored. (see attachment 4) The final letter which I have now received yesterday is from 'The Miah Solicitors', Debt Recovery Team. They are now telling me that the sum now due is £275. This been due to the £125 last demanded, £25 client administration fee and £150 legal fees in which I have 14 days from the letter dated. (see attachment 5) I am now starting to get worried that if I don't pay this amount that it may go to court, but from what I have been reading online this may also be an empty threat as the Solicitor of the firm was fined £68,000 after been in a Boiler Room [problem]!!! I have read numerous threads all with different advise. Could somebody please advise me on this matter as I am really uncertain on what I should do now and it would be greatly appreciated. Thank you -
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Well more interesting news from the Grapevine... Interesting... I wonder if it means that BC will be bought out or if they will go from scratch... -
Hi All, Wonder if you can help. Last year we parked in a retail outlet car park, which is 2 hour free parking. We went into the shops within the retail park but also to shops in a neighbouring park and on our return found we had been invoiced by UKCPS as we had 'been observed leaving site'; although we were only parked for around 90 minutes. I ignored the window sticker and awaited the first begging letter which arrived 66 days later so duly responded asking them to harass the driver of the vehicle and that I was under no obligation to inform them who that was. I, stupidly, thought that would be the end of it; alas no, they really are a persistent bunch. On the 16th June I received another letter telling me this was my final warning and that I had to pay up immediately, I then received another letter on the 17th June telling me this was my final warning and that I had to pay up immediately. These letters I ignored and now I have received a letter from The Miah Solicitors telling me I have 14 days to respond or court action 'may' result and that the letter is being sent 'in accordance with the Practice Direction on Pre-Action Conduct contained in the Civil Procedure Rules' The letter is signed Debt Recovery Team; however I cant work out if this yet another begging letter with a new heading to scare me into coughing up or if this a letter warning that the next correspondence will be court papers? Any advice on what my next move should be would be greatly appreciated. Many Thanks!
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I have received a County court claim for this morning from Arrow Global via Shoosmiths Solicitors for an old Capital One Credit Card Debt I allegedly owe. My last Capital One credit card expired in August 2008 and I hadn't used it for a while then. This debt has been passed around a number of DCA's over the years, upto about 3 year s ago. And then I heard nothing else until this morning. I have sent a number of CCA requests over the years and none have complied, they have just passed it on. From what I remember most of the debt was fees and interest etc. Can I use a no paperwork defence or should I write to Shoosmiths solicitors and request a CCA again. -
I have recently made a formal complaint to a London Law firm, about their conduct and this has led to a compliant being referred to the Solicitors Regulation Authority. I am concerned though that in 2009, 98% of complaints about solicitors were not referred to the Solicitors Tribunal and in fact it appears that 90% of public complaints were not upheld at all. I have therefore created a blog to publicise how they deal with my complaint in an attempt to establish whether they are or are not fit for purpose. I can't enter a URL link directly as I haven't posted to this forum ten times yet (I don't want to post 9 other spurious messages just so I can!). I hope the moderators of this forum will allow this link as it goes to a page that has much more information than I can post directly here. I would very much welcome comments and feedback here. Have readers of the Consumer Action Forums had any dealings with the Solicitors Regulation Authority and if so, was the outcome satisfactory? The SRA claim that their main objective is to protect the public. Do you think they achieve this goal? Thanks for your support.
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Damn! Another one has been snapped up. Cabot Have just bought MCS - Mortimer Clarke. They have now bought all of Marlin Group. Worrying! HERE Marlin Group Own Marlin Financial Services Mortimer Clarke Solictors They were subject to the Channel 4 Documentry on Debt Collection Practices through Dispatches.
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Hi there, First time posting on here, but seems to be lots of great advice! I've today recieved a letter from Nolans Solicitors saying they are collecting on behalf of Hillesden Securities Limited. I don't know whether it is a standard threatogram letter or if I need to take action. The letter seems to be standard I'm that it starts "Dear Sirs" and I'm female! And it goes on to say that I have 7 days to pay or they may take me to court and this will be able to be enforced for 20 years and then gives a list of how I can pay them. It also had a booklet from AIB included which states that it's given to me as I'm going to have legal action taken against me. The thing is I don't actually know what the original debt relates to, as I checked my Noddle credit file and there is nothing on there that has the name Hillesden or for the same amount. Also there are no judgements showing against me at all. After googling I think it may be an old Welcome finance loan which I last paid in 2009 after my local branch shut down. So I believe that it should be statue barred as I'm in Scotland, so 5 years up here. I've got an email address to contact, so does anyone have a template that I can send to say I don't know what the debt relates to and see if they can get me details of what the actual debt is? I'm just worried they go for court action as my husband is currently not working and I couldn't afford to get a wage arrestment, never mind the reaction from my employer! If it's the debt I think it is, how do I prove its statue barred? As I was paying in the branch and previously was DD through an account which is now closed and I have no access to statements. Just really worried as I was just starting to get back on my feet! Any advice is gratefully relieved! Thanks -
Hi My partner recieved a parking fine from UKCPS. Im not sure if it was left on the car or just came through by post. But this was back in Feb 2013. I advised her to ignore as it was what i thought was not enforceable. We had parked at a local retail park where there is no charge. I think we may have parked in parent and child bay whilst running into Boots for some medicine. The woman who was employed at the time by UKCPS took photos of the inside of our car without us in it. She was so close to our car she may even have touched it. Anyway, i advised to not pay as no money had been lost by UKCPS, as it was and still is a free car park. A few letters arrived but on the whole nothing happened. I came home last night to a letter from The Miah solicitors ( which seems to be the same format and wording as everyones elses from the miah) saying that the Court of Appeal ruled on the 23rd April 2015 that a charge for parking on private land is not extravangant or unconscionable! ( Im guessing this was the lincolnshire one, where i live) I am attaching the letter for you I dont know if theyre acting as debt collectors or litigators and i have at no time entered into any contract but if that is this case then isnt there something about VAT as well? What can i do, were not paying £275 to park where we can park for free . Fuming but a little scared as UKCPS go to court Thanks -
I'm looking for some advice please on how to proceed with regard to a county court claim I received today, courtesy of H&L. Back in 2011 I enrolled on a local college course for the academic year 2011/12. At the time I was unemployed and applied for "mature" student finance. This was ticking along and as the end of the year approached various people also on the same course dropped out as their finance was turned down or their circumstances changed. In January 2012 I was fortunate to secure full time employment and continued on the course, my employers allowing me to attend the college the one day a week necessary. I advised Student Finances of my change in circumstances but was told there would not be a problem - I just had to get evidence from my council that my household had been receiving council tax benefit for a period up until I started the course. I applied to the council for written proof of this, and to date this never came back. The course itself was flawed. The planned course tutor was on long-term sick and the college struggled to cope. As a class we lost countless hours waiting for a tutor, a room, many times just being told to get on with things or read one of the course books. As an example we had a lesson in flash, then never revisited flash for weeks, the same for Adobe Photoshop. Being told to read a course book was OK if you had the book. For those who were unemployed or on low incomes, we certainly couldn't afford all the books, and the college only had 2 or 3 which could be loaned out for limited periods. Things came to a head after the department head randomly came in one evening and asked for feedback. As a class we came together, wrote down our grievances and passed these on, much to the department head's shock and surprise. A class representative was appointed and a meeting was held and we were told things would improve. In the end I couldn't justify taking time off away from my work and I had serious doubts on the value of the course and spending thousands on a 3 year foundation degree for an education that I wasn't getting - one part of the course was fine - the lecturer did her bit but the main IT elements (this was an Internet Business course) were sorely lacking. I left the course in early 2012 and didn't hear anything from the college. No invoice, no calls, no final demand, no default notice .. nothing. In early September 2013 I received the first of well over a dozen of threatening letters from H&L Solicitors and I contacted the college to find out what was going on. H&L had added around £35 to the total apparently although this was not made clear. The debt was for £1207. I emailed the college and eventually received a holding email in October followed by a letter which claimed there had been no issues with the course , and that I had to pay. I replied by letter, which was never acknowledged offering to pay £300 to resolve matters and cover their admin costs, or for them to put me on a new properly managed course for which I would pay. Moving to 2014, after a flurry of threats from H&L I emailed the college again, asking for my complaint to be passed to the principal. Again I offered the £300, or to pay for a new course. This was ignored. Fast forward to 2015 and many months have gone by without any letters from H&L, so I wrongly presumed the college had simply moved on. Three weeks ago I received a threat of legal action from H&L, the same as many they'd sent before and today I received a county court claim. The total is now £1600 including court costs and £80 solicitors fees, and interest. I am in a position to pay but I'm unsure as to how to proceed. My life is more or less back together after an 18 month period of unemployment before 2012 and I'm with the same employer. I don't want to get my credit rating destroyed after I've been slowly building it back up. I have never contacted H&L as my complaint has always been with the college. The H&L letters do not make clear if they bought the debt or if they are acting on the college's behalf. If I defend would I have to pay more if I lose? If I get a judgment against me but pay within a month does that get wiped? Should I counter claim?, offer a part payment? - contact H&L? Since this started I've moved house and only received the claim because my mail is redirected. Any advice you could offer would be much appreciated. -
Hello, I was wondering if anyone knows if I can find a written statement anywhere that states that as a consumer, under UK law, I have a right to shop around for the best deal on goods and services. I have spent a couple of hours looking around online but cannot find a statement like this anywhere. Any help anyone can give would be very much appreciated Thanks in advance. Pickles18 -
I recently completed claim forms re a debt being administered by Restons Solicitors for £770. I am in the process of setting up a new DMP with Stepchange and working off the budget figures and our other creditors, I made an offer of £5 per month. I received a judgment for claimant today saying the claimants have objected to the rate of payment and the court have awarded them £25 per month. I dont understand how they cant understand this is not possible for us atm. We did provide the budget sheet for Restons to show the £5 offer was all we could afford. What can I do now? Can I go direct to the courts to ask for a redetermination or is there another option. Any advice would be gratefully received. Thank you
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I'm having EXACTLY the same issues with Homeground Management Ltd and JB Leitch solicitors. They have been harassing and bullying me for over a year now. I purchased an apartment built by [removed] in 2007. Ground rent was paid directly to the builder initially. Then (surprise, surprise) the builder went bankrupt and phoenixes the same day as a new company (Elan Homes) collecting the ground rents. My cheque had crossed in the post and been cashed by the old (bankrupt) company. Elan Homes chased me, I explained what had happened yet [removed] continuously failed to update their records. Each year I paid the ground rent and wrote on the back of the cheque the dates I was paying for. Then, Homeground Management Ltd bought the freehold. They were also passed the (wrong) details of my debt so yet again it was carried forward... Yawn. In addition to that error which I've tried to address with Homeground and [removed] I also failed to receive a demand/invoice for 2013 and 2014 I noticed this in January 2014 and wrote to home ground by post and email. The email received an automated reply saying I'd get a response in 3-5 working days... I'm still waiting! LOL When JB Leitch got involved in March with aggressive letters and ridiculous charges for late payment I explained the situation. [removed] said she'd address with her client but it wasn't until June that I received paperwork. The payment was promptly sent upon receipt. My understanding after taking legal advice is this: Ground Rent is only payable if you receive a valid demand as per S166 of CALRA 2002 if you dont receive it then THE GROUND RENT IS NOT DUE AND NEITHER IS ANY ASSOCIATED LATE CHARGE. (Look it up [removed], I can see you only qualified in August 2013 so perhaps you've not learnt that yet...) The fact that I chased by post and email (and have email server automated replies asking for 3-5 days for a reply) seem to be suffice in the eyes of the law and any county court claim issued that I didn't receive the demands. Homeground Management and [removed] have yet to give a meaningful reply to any correspondence. So far in 18 months I've had one reply simply saying they are not setup for telephone calls and can I send my 12 digit account reference so they he can look into "my arrears". (I did, numerous times over the space of 18 months and heard nothing back). Despite my appeal for common sense in November to JB Leitch it wasn't until the end of January that I was furnished with a reply, STILL wanting £280 of legal costs! I explained I was away working yet within a week JB Leitch was harassing me for a response. Shame they can't be as timely when I write to them! I will of course keep this forum updated with my news, and I hope I've included enough keywords to help other people with similar issues find this forum. Best regards, Chris PS: It tickled me that on [removed] Linkedin profile apparently his current role at Homeground Management Ltd includes " • Respond promptly to customer inquiries. and • Effectively pass customer complaints to complaints handler." PPS: It also made me smile that on [removed] profile page on JB Leitch's website, her quote is from Henry Ford "Whether you think you can or think you can’t, you’re right." Apparently NOT in this case,. Do look up S166 of CALRA 2002; Google is your friend [removed] . -
Hi guys, new to this but tried reading as much as possible on other threads to get an idea of what to do but my situation is slightly different so hopefully someone can help. Went into DW Milton Keynes back in August last year to cancel my membership. Spoke to just a young girl working behind the front desk who let me know what i already knew.. . its fine I've made a note of you giving your notice and 1 months payment will have to be taken still. AT NO POINT DID I SEND A LETTER OR RECEIVE ANY WRITTEN CONFIRMATION. Money was taken in September which was fine ...but it was also taken in October. I wasn't in a position to visit the gym at the time as i was in sheffield - tried calling a number of times to query but either was left on hold or the person i needed to speak to wasnt about to take my call. I decided to just call my bank and get them to cancel the direct debit so nothing was taken in November and they also got back for me the money from October. STILL NO WRITTEN EVIDENCE OF ANY KIND. I received emails over the coming weeks from DW saying they were unsuccesful taking direct debit from my account. I applied to these emails explaining my situation but heard nothing back. Then in December i received a letter from ARC Europe stating they were trying to take £94.00 on behalf of DW. Maybe foolishly ignored this letter but now it has been passed onto Major Law who are looking for £94 plus £25 court fee plus £50 solicitors costs and £7.52 annual interest. saying i have 14 days to pay or they MAY issue the claim. I feel foolish cus i signed no cancellation form when i went in or sent a letter to DW all i have is 2/3 unresponded to emails from the time they tried taking my direct debit again unsuccessfully. Any help would be greatly appreciated. -
Hello everyone! Its the first time Im using this site and I am in need of urgent help with dealing with Bryan Carter Solcitors. About a month ago I received a letter from Bryan Carter, on behalf of Lowell Financial Limited requesting that I pay an overdue debt owed to o2 of £661.34 within 14 days, otherwise a court claim will be initiated. I read around on the forums and replied with a 'prove it' letter and received the following response. Dear ******, We write further to your recent correspondence, the content of which we note. We confirm this account relates to a O2 UK Ltd (the 'Original Creditor') account, account number: *******. WE confirm this account is in relation to mobile number ****** It is the original creditors policy to provide the agreement at the point of contract and statements throughout the duration of the account; consequently, you have previously been provided with validation of the debt and you should refer to your own records. We confirm you may obtain a copy of the agreement from the store where the handset was purchased. we are acting on the instructions of our client who believes the outstanding balance is lawfuly due to them and we are acting reasonably. We trust this clarifies matters and we should be grateful if you could contact us by 7th May with your payment proposals.... Yours Sincerely, Bryan Carter Solicitors They have not clarified/proved anything. Any help would be much appreciated in responding to these people! Thanks!
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Hi all, I joined Virgin Active gym few months back, and after 2 months of joining I left because I ended up not going because of loss of interest and the price, so I cancelled the DD (the contract was for 6 months), and like a week later I received a letter from them demanding the money, and they sent me a few text messages too. After a few more weeks I received a letter from ARC demanding me to pay £210, they keep calling me constantly, sometimes like 10 calls; one after the other, which I ignored. After couple more weeks ARC sent another letter threatening court actions if the outstanding balance was not paid. 2 weeks later (today) I received a letter from Major Law solicitors threatening court actions as well, they have said I should contact ARC to repaid the debt. I have have had no contact with Virgin, Arc or Major sols yet, meaning I haven't spoken to them. Can they actual take me to court? I don't really care about credit ratings. I am 20, living with my parents, can they get the bailiffs involved? Thanks very much. Any advice is greatly appreciated. -
Hi all, New member, first post, so please be gentle with your replies I need sound advice on my next course of action. I have an alleged debt of £2.5k approx relating to a credit card. As a lurker on these forums for some time, I know a little about this process, so I wrote to Mortimer Clarke Solicitors previously and said the alleged debt is statute barred. To quote their reply: "You have alleged that the claim is statute barred. Section 5 of the Limitation Act 1980 provides that an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued." "The six year limitation period runs from the latest date on which:" "1. A payment was made towards the debt, or" "2. The agreement was terminated, or" "3. You acknowledged the debt in writing" "We are instructed that in this case the cause of action accrued when the agreement was terminated on 08/08/2009. Therefore the claim is not statute barred. If you disagree please explain why. Alternatively please find enclosed an income and expenditure form for you to complete and return". That's it. I don't know if the 2009 date is correct or not. What are your suggestions as to my next move? I have never acknowledged this debt in any way, and in my previous letter to them I asked them for a signed copy of the credit agreement which I have not received. So should I go back and repeat this request, and how should I word it? Any help will be greatly appreciated. Thanks.
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I have received a letter today Dated the 10th of march. Claiming that I have "failed to make repayments as ordered by county court judgement" and stating that i am now " in arrears with the order in the sum of £***.**" I have been given instructions to make payment immediately to bring the CCJ order up to date and prevent further enforcement action being taken against me. they have given me this web URL www dot bryancartersolicitors dot co dot uk and this phone number 08458396157 Apparently their client has instructed for them to take further enforcement action if i do not pay the arrears or contact them within 7 days . They have then listed what this enforcement action may include; Warrant of control, Attachment of earnings, Charging Order, Order to Attend court for questioning. Their client is apparently Lowell financial limited The brand/ product is Vodafone I can provide the account number if needed and the claim number also. They have also given me a reference number. Any advice would be greatly appreciated as I'm very naive with this sort of thing and want to get as clued up as possible before throwing the book back at them so to speak. What should be my first actions and who should I contact as this is the first I have heard that i owe anybody any money and have read some reviews on these people and none of it has been good? Thank you in advance. Al -
Had a good job, career, home, money, etc. Then had a prolonged period of inactivity, debts piled up, not opening letters, spiral of anxiety and stress. blah, blah. Now, for past year or so, been earning, and getting back on feet. Looking to start paying back, and deal with all my debts. Have done as much due diligence as I can, and need some pointers. I have a number of creditors, with debts totalling around 45K. Have been paying token payments of £1 to most, some more. Looking to get StepChange advice and help. But also need some idea of full and final offers to really motor down the debts. So, as a starter, here are some of my most pressing questions: 1: I am having difficulty filling in my Income and Expenditure, as my income fluctuates. (I am working freelance, as am probably too old to be employed by a company.) I am wary of entering payment schedule and failing. Prefer to keep paying token amounts, then offer surplus every 6 months or so. Would creditors go for this? 2: I understand the first step may be to get CCAs from my creditors. Are there any downsides to asking for CCAs? Would creditors sense that I am trying to wriggle out, and go for asking for more, or get heavy-handed? 3: Are CCAs only for debt companies, or even the Originating creditor? (some of my debts have been off-loaded to debt-companies.) 4: What is the purpose of SARs? How does that help me? I understand they might be for finding penalty fees, etc? I know I accrued a lot when I couldn't pay any amounts when I started my downhill slide. 5: When offering Full and Finals, do I go for the biggest first? 6: I have been sold from one debt-company to another on some debts, I dont know what I am paying for on some of the payments!! Can I just phone them up and ask where the original debt comes from? (I have signed up with noddle, and got my list of creditors and credit file, so I have a starting point. I have been reading this forum for a few days, and have built up some knowledge, and seen how helpful this site can be. I would like to ask for some help in taking the first steps for an eventual bright future. PS: would it be ok to list my debts (with some fudging to protect myself) as a starting point?
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Hello! I've started the petition "Rt Hon David Cameron MP: Rectify a major injustice" and need your help to get it off the ground. Will you take 30 seconds to sign it right now? Here's the link: http://www.change.org/p/rt-hon-david-cameron-mp-rectify-a-major-injustice Here's why it's important: In 2009 I made a complaint about the solicitor engaged to handle my late father’s estate. The solicitor quoted 30 hours to do the work but eventually charged the estate 131.9 hours to do the work. Should the public be ripped off by those in a position of trust who are supposed to act in our best interests? I made a complaint to the solicitor and he declined to respond to my complaint because I was only a beneficiary of the estate and not his firm’s client. My complaint was escalated to the Law Society after those acting on its behalf assured me that I would not be liable for any costs. The complaint has ended up costing me over £108k most of which has gone to the solicitor I complained about. My wife and I nearly lost our house and were almost made homeless because of the ruthless way in which this solicitor sought to enforce the cost order he obtained against me. My story was covered on BBC North West tonight on 24 March 2014 and again on BBC Rip of Britain in Series 6 Episode 18 on 8 October 2014. The matter was brought to the Government’s attention at Justice Questions on 12 November 2013 and again at Prime Minister’s Questions on 9 April 2014 by my local MP Mr Simon Danczuk. My MP described the solicitor as “The Solicitor from Hell” and the SRA described his behaviour as “Morally Reprehensible”. Clearly the system for regulating solicitors is not fit for purpose and the Legal Profession is unwilling or unable to deal with such corrupt and fraudulent practices. How can a profession whose members are supposed to be trusted to the ends of the earth act with such a complete lack of integrity? This matter has been taken up with the Prime Minister who promised that his Justice Minister would look into the remedies available to me. The Minister says the Law Society is responsible yet solicitors acting for it say I have no claim against it. Clearly in UK law I do not have any remedy to reclaim the losses suffered from making such a complaint. I call on the Prime Minister and his Government to act with integrity in this matter and rectify the injustice which I have suffered. It cannot be fair and reasonable that someone making a genuine complaint must bear such a heavy cost for investigating it. You can sign my petition on the link above. Please copy my e-mail to those who you think might support it. Thanks! Paul Cowdrey
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Hi all, I have been a member of my local DW Sports gym for around 2 years. I cancelled my DD with my last payment being 3rd Nov without letting the gym know. I did not attend my gym after September due to a knee problem that i was/am struggling with. Yesterday I received my first correspondence from the gym through "Major Law" in which it claims that they have prepared a county court claim and is ready to be issued against me. They also claim to have contacted me "previous correspondence sent to me by ARC" which i have not had one single letter. I find it pretty disgusting that I've been delivered this bill for £164.64 after being a loyal customer for 2 years and had no prior warning before getting this threat. Debt Balance £83 - I dont understand because it is more than my monthly membership cost x2 Court fee £25 - ?? Solicitors Costs £50 - ?? Annual Interest £6.64 ?? -------------------- Total £164.64 This is downright robbery. I am shocked and appalled that they play these moves. what can i do??? I've had a little look round the forum at similar cases but I've not come across one where the victim has been registered at the gym for a long time and cancelled the dd without notice. I have seen that people have sent letters informing DW of their intention to leave which DW have never claimed to receive. Please help me guys, i really dont want to pay £160 for DW dont deserve it. The gym i attended has got gradually worse and worse with over subscription, poor maintenance and moody staff. Thanks
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Hello All, Name of Claimant: Capquest Investments Limited Date of issue – 03 February 2015 Acknowledge By – 21 February Defence – 07 March - yes file by 4pm (Are my dates correct?)^^ What is the claim for – the reason they have issued the claim? The claim is for the sum of £8600 in respect of monies owing by the defendant on a credit agreement held by the defendant with Lloyds Banking Group under account xxxx Upon which the defendant failed to maintain payments. 2. A default notice was served upon the defendant and has not been complied with. 3. By virtue of a sale agreement between Lloyd Banking Group and the claimant, the claim vested in the claimant who has a genuine commercial interest. The defendant has been notified of the assignment by letter. Contact drydensfairfax solicitors What is the value of the claim? £9100 including costs Is the claim for a current account (overdraft ) or credit/loan account or mobile phone account? Overdraft When did you enter into the original agreement before or after 2007? Before 2007 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. Debt Purchaser has issued the claim Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes 23/10/2013 Did you receive a Default Notice from the original creditor? 20 November 2008 Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Financial Difficulty What was the date of your last payment? October 2008 Was there a dispute with the original creditor that remains unresolved? No other than excessive overdraft charges Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No I sent a CPR31.14 request to DrydenFairfax on 11 February 2015 Recorded Delivery I have disputed the claim and logged my intention on the Court Website 11-02-15 I had an Overdraft facility with Lloyds bank in 2006. Due to changes in my circumstances my borrowing began to spiral and the charges compounded the problem until it became unmanageable. I changed banking providers in order to get back on my feet. Although a number of DCA's sent letters and calls I always asked for CCA's which they could never seem to provide and they would disappear. However I have now been contacted by Drydenfairfax 16 January 2015 and a Summons followed which I received 06 February 2015. I do feel the charges were excessive and that is why I elected to defend the claim. I would just like some advice as what my next steps should be. -
Just before Christmas I received a letter from the County Court in Northampton that Cabot DCA had decided to take a CCJ against me without warning. I have never heard of Cabot until then and the CC company had not informed me that they had sold my debt over to them? So instead of taking the advice of the CAB I who just want you to just cave in and take it. I decided to fight it with my very limited knowledge. Below is the letter I got back for Cabot Solicitors. My Defence was That I had not signed a contract with Cabot (which i know id weak) and that I had not had any letters from the CC company and Cabot telling me that the debt is now with them, which maybe my best hope of defence? To me it looks like they don't want me to defend myself and want me to cave in? Please can you give me some advice? Thanks -
Hi received court claim form from Bryan Carter solicitors dated 20th jan 2015. Only other contact I have had off Bryan Carter solicitors is text messages which say the following I have ignored these as there was no name to it it was relating to ie me my husband etc. Text message reads Please call Bryan Carter solicitors llp on 0203 xxxxxxx quoting ref 1xxxxxxx further info may be obtained at w.byrancartersolicitors.Co The court documents read This claim is for 938.78 the amount due under agreement between the original creditor and the defendant to provide finance and / or services and / or goods This debt was assigned/ purchased by Lowell portfolio ltd on 08/11/2013 and noticed served pursuant to the law of property act 1925 Particulars Re. EE ltd formerly t mobile A/c 7xxxxxxxx The claimant claims 938.36 The claimant also claims statutory interest pursuant to s.69 of the county court act 1984 at a rate of 8% per annum from the date of assignment of the agreement to date but limited to a maximum of one year and a maximum of 1000 amounting to 75.08 I have looked at noodle and can't find this debt on there. Also I have have tesco mobile for over 5 years so I believe this debt is statue barred but how do I do the defence, what do I put. I haven't told oh as we are only just managing we have two children with special needs and also I suffer with lung disease so the stress of this is making me ill. The texts are now coming through every 2 to 4 hours Can someone help me please -
HSBC/DG CCJ/CO - old OD - cleared, now what?
DesperateSusan replied to DesperateSusan's topic in Financial Legal Issues
Hi, I have a CCJ which was for overdraft fees with HSBC. The amount was about £3000. They won the case and a £50 per month payment was agreed with the court which I have been paying regularly. The amount outstanding is now down to about £1500. I recently had a letter from DG Solicitors saying that because I had kept upto date with repayments that they thought I could afford to pay more. The letter also suggested that they may offer me a discounted full and final payment and I should call their office to discuss this. My situation has changed and I can probably afford to pay more, but the £50 a month suits me at the moment. I am interested in the full and final offer, but I can't see how I can approach DG solicitors about this without indicating to them that I could afford more than the £50 a month. Is the F7F offer likely to be at a significant discount? Is there a good way of approaching them about it? Thanks, Sue
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