These seem to be coming thick and fast now.. Received the attached claim form on Christmas Eve! Name of the Claimant ? Cabot Financial UK Ltd Date of issue – 21/12/2018 Particulars of Claim 1.By an agreement between Vanquis Bank Ltd & the defendant on or around 16/3/2015 Vanquis Bank Ltd agreed to issue the defendant with a credit card. 2.The defendant failed to make the minimum payment due & the agreement was terminated. 3.The agreement was assigned to the claimant. 4.The claimant therefor claims £290.77 2. costs Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (pre action protocol) ? No idea, but a lot of these letters tend to be ignored, or go in the bin. What is the total value of the claim? £365.77 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?Credit card When did you enter into the original agreement before or after April 2007 ? After Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes 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 Were you aware the account had been assigned – did you receive a Notice of Assignment? No idea Did you receive a Default Notice from the original creditor? Not sure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not sure Why did you cease payments? It was around the time of the birth of my daughter and I fell behind due to everything that was going on at the time as there were complications and we had an extended stay in hospital What was the date of your last payment? Sometime in 2015 I think Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management planicon? No I'm guessing I should just log into MCOL and select defend all? The sum they are claiming looks like it was a lot higher than the credit limit. Should I just defend all and send them a CPR 31:14? 1888_001_Redacted.pdf

Any help appreciated I bought a car on HP in 2003, It was beyond my means and I only made 4 repayments -the car was repossed in 2005. I had a company called Marlin ringing me at work constantly and I was bullied into paying £15pm - I moved house and changed banks and the payments stopped in 2013. In 2015 I had letters from Cabot requesting money - over the years I have argued with them over the debt. They say it was assigned to them in 2016 yet I have statements from the original HP company in 2007 showing the balance - so how can they have it assigned if it was still with the original lender. It was due to become statute barred on 01/02/19 - however Mortimer issued an online claim on 27/12/18 - I defended and requested a SAR - they have only sent me 2 out of 9 pages of the credit agreement - which includes PPI and Gap insurance. There are various inconsistencies in the paperwork, dates amounts etc. Do I stand a chance in court of getting the claim in my favour or should I just negotiate with the Solicitor on a reduced amount?

Hi all My wife recently received a County Court Claim Form which we have decided to dispute in full. I've completed the details below. I would be really grateful for your help with next steps. From reading other threads it seems my next move should be to send a CCA request to the Claimant and a CPR 31:14 request to the legals reps. Is this correct? Thanks --- Name of the Claimant: Cabot Financial (UK) Limited Date of issue: 09 Jan 2019 - Defence form submitted online on 24 Jan 2019 What is the claim for: By an agreement between JD Williams Ltd Re Fashion World & the Defendant dated 11/10/2015 ('the Agreement') JD Williams Ltd Re Fashion World agreed to issue the Defendant with a credit account. The Defendant failed to make the minimum payments Due & the Agreement was terminated. The Agreement was assigned to the Claimant. THE CLAIMANT THEREFORE CLAIMS 1. 688.36 2. Costs Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol)? No Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? N/A What is the total value of the claim? £688.36 amount claimed + £60.00 court fee + £70.00 legal representative's costs = £818.36 Is the claim for: Catalogue When did you enter into the original agreement before or after April 2007? After Is the debt showing on your credit reference files (Experian/Equifax /Etc...)? ***Wife is checking - will update*** 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 Unsure 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 Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year? No Why did you cease payments? Account was settled What was the date of your last payment? Unsure Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No, as N/A

Hi, Im trying to unravel my late father's very complicated finances, as I'm his executor. I found a letter from Hoist Finance dated from last year stating they own the account, with an outstanding balance of £2131.92. When I phoned to say he'd died they told me it would be passed to 'Philips and Cohen' - this was mid-January and I've heard nothing (luckily). Having read these forums I then wrote to MBNA requesting all his account data but they replied stating the 'GDPR only applies to personal data relating to a living individual'. is this true?There's also a letter relating to another MBNA debt from Link Financial, so they have sold the two on. I need to know how old these are etc. Letters scanned and attached. The reason I'm confused is I've also written to Santander (using the same template letter) and have received all the loan info so they obviously have different rules! - I'm not willing to settle anything unless I know how old these debts are and what they relate to. We couldn't find any paperwork at my Father's house. Any advice as what to do next - I did send certified copy of probate certificate with my requests. Many thanks for reading! scan0041.pdf scan0040.pdf

Hi Newbie here and I am hoping you guys can point me in the right direction. I've been lurking on here for a few days trying to find out various tips and information regarding my problem. I got into trouble after loosing my job in 2009. I had a lot of debt and couldn't make payments anymore. Entered into an iva in late 2010, made about 5 payments and then lost my new job and had to cancel the iva. I just cancelled my direct debit to the iva and never got in contact with them again. They eventually officially cancelled my iva in spring 2013 and started to get letters from various dcas regarding my individual debts that were in my iva. I paid a couple of credit cards off via dcas with a reduced f and f and got that in writing. But there is one particular debt that hasnt raised its head much. It was for a loan originally with Northern rock which I'm pretty sure was taken out pre 2007. Now I heard nothing about this until about spring 2017. I received a letter from a dca (can't remember who) so I stupidly phoned them up. I said I don't recall this debt so I need some sort of proof of claim. They then left me alone until Cabot sent me a letter in summer 2017. Letter and phone calls ignored, it then went quiet until last weekend when it's being passed to ruthbridge. I presume, because I've not made a payment since originally defaulting, the statute barred clock would start from when my IVA officially finished?? I've only 2 or 3 months to go before it's 6 years from that date so do I just ignore for now? Thanks in advance guys.

Hi folks, For the last few months Cabot has been sending me letters demanding that I contact them. As the failed to provide me with the CCA in 2016, I ignored them. Today I received a letter stating that they are instructing Moorcroft to arrange a visit to my home. I sent them the template CCA letter on 28th July 2016, and received a reply on 3rd August 2016 stating that they were unable to get the relevant documents, and acknowledging the 12 day limit. (I still have all the letters). Up until recently I have not had any communication with Cabot for the past 2 years. My question is there a template letter I can send and where do I stand?

name the issuing court: Kirkcaldy Who Is The Claimant: Cabot Financial (UK) Limited, Marlin House, 16-22 Grafton Road, Worthing, West Sussex, BN11 1QP Who Are the Solicitors: Simon Nolan (Nolan’s Solicitors) What type of action? : Simple What is the claim for – 1. on 21/09/2015 the Respondent entered a credit card agreement with NEW DAY LTD under which the respondent borrowed from them a sum of money repayable on demand. The said agreement was an agreement regulated under the consumer credit act 1974.. 2.The Respondent failed to pay as agreed on demand and is in breach of contract with the said NEW DAY LTD. The said supplier assigned all rights in the said debt of £3079.52 is the sum sued for. 3.The Claimants have made frequent requests to the respondent to make payment of the said sum but the Respondent has refused or delayed to do so. date of raised claim :- 20 November 2018 Last Date Of Service:-14/12/2018 Last Date For Response:- 4/01/2019 What Documents are listed in Box E2 1. No defence – No evidence required. 2. No Stateable Defence (rule 4.4 breach) 3. Defence on Prescription- copy statement of account only. (Agreement must be admitted to plead prescription. So agreement not required.) 4. Denial of Agreement – Copy agreement dated 21/09/2015 N.B Generic rule 8 order should never be issued. The facts of each individual case must be considered. It should never be appropriate to have to plead such as assignations or default notices until/unless specific defences are led. The salient feature of assignation is that it does not require the consent of the defender and the averments in this form are sufficient to confirm intimation. Default notices should never be plead due to Omnia Praesumunter Rite Acta Esse (trustees of the Scottish Solicitors Staff Pension Fund v Pattison & Sim, CISH 96 and Trayners Latin Maxims, p419 420) The claim is for a credit card from Aqua BOX D5 what has the claimant stated: The claimants request that the court order the respondent to pay the sum of £3079.52 When did you enter into the original agreement before or after 2007? AFTER 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.:- It is the debt purchaser who issued the claim. Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor? Not sure, sorry. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? - Not that I have noticed When was you last payment:- 23 June 2017 Why did you cease payments:- I could not afford the payments, I lost a lot of work and my income went down so low that I was unable to keep up the payments. Was there a dispute with the original creditor that remains unresolved? NO, but I dispute the amount I am being pursued for on the basis that my credit limit was only £1500 yet they want £3079 Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan ? Yes, I offered to pay £10 a week and although they did not formally agree I continued to pay the £10 until June when I simply could not afford it. I have been served with this Form 6A, the simple procedure for notice of claim from Cabot regarding an Aqua Credit Card I had. I have no idea what to do as I am owe money but not £3092, my credit limit was only £1500! Can anyone advise? I only have a few days to respond and dont know whether to ask for time to pay (I have very little to spare, if anything due to my current financial circumstances) or to dispute the claim and stating the reason as being the amount is in dispute... I have filled out the parts requested to the best of my abilities any help is appreciated, i did not realise the date to respond is 4 days from now so im a bit panicky.

Hello all, I would like to ask for some advice. With CAG's help I have been trying to sort out my mum's finance situation recently today she sent me a copy of a Litigation Warning letter from Midas Credit Services that she received. I told her to ignore it as it uses terms like "possible further action" etc etc. The reason for the letter is that my mum has apparently failed to reach a repayment agreement with Moorcroft Debt Recovery; however my mum had a payment plan in place with Lloyds for £1 a month with a paying in book. This was arranged after months of threats and harrassment by Lloyds prompted her to go to the CAB where a very knowledgeable man helped her sort out a new bank account and got Lloyds to stop adding interest to the amount. She took the loan out over the phone in 2006 and was told she would only be accepted if she took out PPI as well. The repayments were over £200 a month but 3 months later she lost her job, the insurance paid out for 1 month after which she turned 65 and was told the insurance no longer covered her!! (This alone makes me pretty angry ) My mum continued paying the installments, INCLUDING the PPI premium, for X amount of months until she rang them and asked if the PPI amount could be deducted off what she owed. I assume they then cancelled the PPI. After a few years of payments my mum then owed MORE than the original amount. ; She was also advised to take out a Gold(?) account with Lloyds as she would be able to get a credit card. She is currently in debt to Lloyds with all 3, 2 are with Apex Credit Management (she is paying a set amount off per month) and the loan is with Moorcroft. Moorcroft rang her after acquiring the debt and said £1 a month wasn't enough and that she should pay more.. she went to CAB and unfortunately the first man had transferred to another branch so she's been dealing with a less clued-up guy that she has to chase all the time. He sent Moorcroft a letter saying all correspondence should be through CAB and offering £10 a month payments. My mum told Moorcroft that she would only deal with them through CAB but they wrote to her saying they've had no letters from CAB and they want their money! Sorry for the long essay but I'm trying to get all the details in (to the best of my knowledge) to avoid confusion. So here are my questions: 1. Can Moorcroft demand extra payments and if not is there a complaints procedure regarding this? 2. Is it worth requesting a CCA, my mum is not disputing the debt but we really have no idea how much she's paid off and whether any fees have been added by Moorcroft or Lloyds 3. PPI complaints; I think it's worth doing this as she was blatantly mis-sold this, especially as it didn't cover her only 5 months into the start date!! However will requesting a CCA interfere with this, should one be sent in before the other? 4. Can previous interest accrued on the loan be written off as well as fees? If we get the PPI refunded and work out that my mum has made payments totalling, say, half the original amount, would it be fair to say she will only pay off the remaining half and not the interest too? My mum thinks that the debt was sold on because she missed a couple of payments and then paid twice the amount the following month. She was told afterwards that this only proved to them that she could afford to make bigger payments I have been with Lloyds TSB since I was born; my mum opened a savings account for me and my brother and I stayed with them ever since but after the way they've treated my mum I've moved to Santander . I would really appreciate any help on this!

My wife has been getting calls and texts from Cabot for weeks telling her to call them about a matter they wish to discuss, but they ask for her grown-up daughter's name. She has happily ignored the calls and texts, nothing to do with her of course. A letter arrived recently advising that Restons were going to make a claim in court for over three and a half thousand pounds, not a trivial amount so they may actually try. BUT, the HFC Bank account was started in 2006 and defaulted soon after when my step-daughter lost her job. The letter states the account was terminated in January 2008. I think she made some movement to pay via CCCS but that fell through long ago. As far as she is aware, nothing has been paid on this account for the last 7-8 years and she's not contacted anyone about it in that time. The letter says the debt was assigned to Cabot in October 2017, no mention of where it was up until then. She does not have any paperwork relating to the account but that's beside the point, she has had no default notice that she is aware of and does not know when the last payment was made either, it's that long ago. Does she just write to them and say 'statute barred' and see where it goes from there or is there some way she can get the info she needs to prove that? I don't think she's ever asked for a credit report but the concern is that will just give the DCA her up to date address, phone number and so on. I've read dx100uk 's defence note in https://www.consumeractiongroup.co.uk/forum/showthread.php?477307-Arrow-restons-claimform-old-Vanquis-Card-debt-statute-barred&p=5031789&viewfull=1#post5031789 amongst other threads, got to admit a lot of it goes over my head these days, I'm well out of the loop since I used to be active on here. The letter says she has to pay in full by July 26th 'or else'... They also sent a statement of earnings form.

Hi Everyone Back again as Caboot are back. They appointed Marrlin who wrote to me asking for payment in full on a debt that I believe to be Statute Barred. Last contact from Arrgos Card Svces was in 2006 when they sent a notice of assigment. Payments continued to Moorcroft, unfortunately I cannot find the paperwork regarding this issue, it may be in attic. which I will need to access later today. I received letter from Reestons yesterday, the letter was dated 7 days prior to me recieving it. I have to contact them by next Tuesday, if I do not they submit a claim to the county court. This now leaves me less than 5 days to deal with this issue. Do I advise Reestons that I believe this debt is statute barred? Or that that I dispute the debt? or should i ask them to provide a CCA? I have asked a debt collector in past to provide a CCA which they could not do. I beleive I should now send a SAR to ARrgoos card svcs, is that correct? I think that I should also ask Caboot to provide a CCA? is that correct? As this is such an old issue I am not sure where to start with it, and as I have very little time to respond really need to know what to send to REsstons. Whatever i need to send will have to be sent Monday at the latest. Poppay

Hi there, I've sifted through a few threads trying to get a jist of what to do. Quite a bit of info, I'm hoping someone can help me with my issues Done a credit report and I've currently 5 defaulted accounts and 1 arrangement NatWest credit card - defaulted balance £984 with a current balance of £785. This debt is paid DD £20p/m directly to Natwest, I've ignored ALL letters from Wescot who manage my account on behalf of NatWest. NW have just written to me this week informing that my account has been assigned to Cabot Financial, to cease my payments to NW and make future payments to Wescot for the foreseeable - Thoughts/ advice on what to do at all? Aquacard - Account in arrangement with CapQuest to pay £5p/m, current balance is £1,200. This doesn't show as a default on my credit file. Notes that its in arrangement Vanquis - account is defaulted with Hoist Portfolio Ltd - this was forwarded to Robinson Way and I currently pay £10p/m with them Current balance £320 defaulted balance was £859 (Dec 2018 6yrs expires) JD Williams - Held with Lowell managed with Fredrickson paying £5p/m. £919 defaulted balance, current balance £504 (Nov 2017 6yrs expires) BT - Debt was passed to Past Due, then Capital Resolve, then Freds. I paid Capital Resolve the debt of £91.05 Freds have this as balance owing when I checked online with them Lowell have a default recorded with the account type being Communications Supplier, default balance £72, august 2015 which I think is the original BT debt Oxendales - Default recorded with Lowell, managed and arranged payment with Freds of £5p/m I have just at the moment cancelled all standing orders & DD's, just want to get some clarity on what to do with them Thanks Shelly

Good evening...... I had the pleasure of a member of Resolve Calls team visit my home this evening with regard to an old debt of an unsecured loan taken out with Northern Rock in 2004 - last paid via debt management in 2014. Cabot took up this debt in 2015, I sent them a CCA request in Jan 16 but from memory only received a standard response. I have two questions i could really do with some advice on 1) Should I write to Cabot reminding them of the outstanding CCA request or resend the request? From memory i think they sent a generic response effectively saying they were 'looking for it' . I know i should have kept this info, however the original signed agreement was definitely never provided. 2) Is there a letter or anything I can communicate to prevent these people just turning up at my door? They wrote to me months ago informing me of Resolve Calls involvement but i assumed it was fairly generic. The guy was very polite and non-threatening, I gave him no more info than he could find from the electoral roll, his objective seemed to be to get me to call his office on my doorstep at 7.30pm in the dark. At this point i politely told him that wouldn't be happening so he gave me a card with details on to call. I work away fairly often and do not want these people turning up when my partner and young son are at home alone. Thanks in advance for any advice

Mrs Echodale is being harranged by Cabot over HSBC credit card debt . HSBC agreed that if she made sixty payments of £xx then she could save £1800 and would not need to make any more payments after July 2018. She has honoured the agreement and made last payment as agreed. Cabot apparently bought the debt a few years ago and are chasing the £1800, they say they have contacted HSBC and have been advised that no such arrangement exists. We have the original Metropolitan/HSBC letter from 2013 and even though the onus is upon Cabot to 'prove it' we have sent them a copy. I think next step is to send a formal complaint to both organisations. Any advice welcome.

Hi I had a debt with Barclaycard in 2004/05 for £476 and then facing financial trouble, I have an IVA in 2007/08 which failed because of emigrating to Australia for 4 years. Since 2006/07, I had no contacts with any financial companies and didn't pay any money to anyone, other than GE. I have come back to UK and since then paid off GE. But, I have no communications from any financial companies. I checked my credit history and there was nothing showing from any financial debts from 2006/07. I did get in touch with Barclays but that was for a PPI claim which they paid up. I am now suddenly being chased for that debt with Barclaycard from 2006/07 by a company called Cabot Financial. In the letter they sent me, it says they'll send a company called ResolveCall to visit me and discuss the debt, if I don't call them within the next seven days. My question is I am sure the debt is statute barred. I have never made any payments to Barclays since 2007. What are the next steps - bear in mind, I haven't contacted them and I have never admitted to the debt to them. Thanks for your help

Hi, I think I'm in a similar situation. I recently received a letter from Cabot saying that they had bought an account that I held with LLOYDS TSB - Credit Card. The first letter was dated 19th November 2015. Subsequently I have received two additional letters the last being, I imagine, the same as above (parksey78), just a form wanting pesrsonal details and income/ outgoings. I genuinely have no knowledge of this account and I was therefore about to send the template letter regarding 'no knowledge' when I came across a similar thread suggesting that it maybe better to wait. I have two questions, the first is should I wait until I get something more substantial from Cabot as you have advised elsewhere and two what is the reason why you would suggest not sending the 'no knowledge' letter at this stage? Is it simply to avoid entering into any form of dialogue with them? Thanks in advance.

Sorry guys, i took the lazy approach and ignored everything again. I have received nothing for a long time and then suddenly a letter from Cabot saying they are passing my debt to Ruthbridge, a debt collection agency. In the same envelope (is money too tight to post 2 letters?) A letter from Ruthbridge saying to contact them. I had a message on my answerphone.. This is a call for (silence) Please contact us using your reference. Thats it. I googled the number to see Ruthbridge mentioned. This is a Citi card debt with the last payment in 2006. So long past being statute barred. Its time to move on now and put a stop to these letters dragging up a period i would rather forget. Will they stop or will they write forever? Thank you. PS i know i am a pain the the bottom and so lazy when it comes to dealing with these people but its time to do something. (if possible) PS. Do i phone, email or write to them? Thanks

Hi I was wondering if anyone can offer some advice. My partner took out a Northern Rock loan at the end of 2005 for £25,000, with agreed payment of around £37400 over 120 months. As an aside it just shows how badly NR were engaged in unethical lending as she was only on £11k a year at the time. She made 39 of those payments totalling just under £12200, and additionally she made around £470 in over payments to a grand total of £12670. After being diagnosed with a long term illness, she lost her job and then found it difficult to repay the loan. She organised token payments beginning April 2009, and paid an additional £50 before the debt was written off at just under £24700 at the end of November the same year. She continued to make token payments until the end of July 2013 at which point she could no longer afford to do so, so she stopped. The debt appears to have been sold on to Cabot in October of the same year (2013) for just under £1400 according to the full transaction statement they have returned, but there is no Notice Of Assignment documentation. She started receiving letters from Cabot in June 2018, and she wrote asking for a copy of her CCA. They have complied within the time limit with a full copy (doesn't appear to be reconstituted), including full transaction statements, and they are threatening CCJ action unless payment for the outstanding balance of the loan is made under agreed terms. Like mentioned however, there was no Notice Of Assignment documentation to say how the debt was transferred to them. My partner is very stressed by all this (especially due to the nature of her illness) as she has a very limited income from part time work (being unable to work full time), and I pay the rent and all bills so my money is stretched also. By the way, no debts appear on her credit file, so we are worried that Cabot can also mess with that now. Anyway, does anyone have advice on next steps to take? My partner is looking into a (Debt Relief Order) DRO as a possible solution. Does anyone have experience with these? Any advice would be greatly appreciated. Thank you.

Hi there, I've been chased by CABOT FINANCIAL for several months now for an AQUA CARD debt. After ignoring the mass of phone calls which they also harassed my mother on a phone I used to call AQUA. They also sent a stack of letter with increasing plea's to contact and arrange some settlement. The latest now gives 14 days and threatens getting a solicitor involved leading to a possible CCJ. The original debt is around one year old and I have not paid anything back after the credit card company referred the debt to a collector. My parents are worried about the bailiffs knocking on the door I need to take some action against CABOT and really not sure where to start. Can someone could point me in the right direction how to start fighting the collection agency? Many Thanks!

The letter from Restons & says re: Debt Managers v yourself It says it is .a Pre Action Protocol and amongst the mounds of included paperwork Item 6' says Am I entitled to see a copy of the actual agreement Answer NO The letter of claim explains that your liability is for money outstanding under a credit facility arising from a written agreement......... However you are now not entitled to see a copy of any actual agreement you signed ie the agreement with your signature on it. A creditor when requested can provide a reconstituted copy ie a template of the original, so please do expect to see your sgnature' Now I know that they do not have a signed copy or otherwise because at the time of the debt (Next) they said they had never had a signature from me & if they sent me an agreement would I sign & return????? of course I did not but it was only verbal with the person on my 'case'

Hi! I'm new here so I apologise if I am posting in the wrong place. Long story short I have received a letter from Cabot advising that they are going to instruct a company called Resolvecall to call at my house and "put me back in touch with them". This is regarding a loan which was a CCJ but that dropped off 18 months ago. I have received nothing else regarding this debt I just realised there was a CCJ logged on my credit file. I was very ill and going through a difficult separation when this debt defaulted (originally Santander) and missed one payment. Despite me offering to catch up by paying £50 extra per month Santander refused and it has never been resolved from there. Do I ignore the letter in the hope they won't bother to send someone round? I have looked at all the other threads but am confused regarding CCJ's over 6 years old which weren't enforced during that 6 years. Thanks in advance!

I personally know somebody who got a mortgage with an IVA so I know its possible as that's more frowned upon. I appreciate I won't get as good a deal having a DMP to my name though. Been in DMP for about 5 years. So defaults will be gone within 2 years. Cabot (was Halifax) £2300 Cabot (was Halifax)£3250 CashEuroNet (aka Quick Quid) £770 Instant Cash Loans (aka Payday uk)£305 Link (was Co-op) £5700 Moorcroft (aka Home Retail Group) £132 Nationwide (as is) £4200 Although one of these does not even appear on any of my credit reports.

Hello,this is my first post and I am seekng advice. I received a letter of claim from Restons. Following on from the advice given to others in the same circumstances as me, I sent a CCA request to Cabot and downloaded the PAP reply form, from here and filled it in. I followed the instructions on post 6 on the PAP thread. Well hubby did as I couldn't get to type in pdf format. I have receved a reply from Restons but don't understand why they are askng me to explain on a separate piece of paper. I thought I had? restons reply 13 04.pdf

I had a loan account with Northern Rock which I defaulted on and they subsequently sold it on to Cabot. The account has been staute barred for about 15 years. I recently made a tentative equiry regarding PPI, via a claims company, as I heard that it shouldn't affect the statute barred status. I have been advised that Northern Rock have accepted the claim and a refund of approx £1100 is due and will pay it directly to myself. They also say that they will advise Cabot to update their account details too. To receive the refund I have to sign an acceptance form which says that this ends any PPI liability etc. However there is also a condition that states that I accept that the cash loan is still in force. My question is this: Even though NR sold the debt to Cabot will my acceptance of this condition for NR constitute activity that will affect the statute barred status, thus "starting the clock again" and therefore give Cabot licence to start demanding payments from me. And also as the PPI is seperated from the original loan, which now doesnt belong to NR, are they entitled to make this a condition of acceptance. My limited understanding was that as the debt was sold on, then my PPI claim was the only issue. I'd appreciate any advice as I could really use the refund.

Hi all, I'm new to the forum and really need some, any help would be appreciated, i'll try to keep things as anonymous as possible as you never know, but also to give you as much info as I can. I have debts with Lloyds TSB, the last 3-5 years have been a living hell, both with our new born needing operations, a separation in our marriage and other things too. I am currently unemployed and have around £12k of debts split between loan, CC and overdraft, approx £4,000 each. I have been fighting this with Lloyds for the last 6-9 months approx, I have been with them for years and always paid CC overdraft and paid off other loans too. I did complain about them adding interest and hassasment and they agreed to freeze but they've added on again?. My Mum has been able to source £7k for me from an inheritance and has offered me this as long as it wipes off my debts and allows me to move on with my life. I offered this to Lloyds as a F & F but was refused, they have since sent me a default letter which I don't mind as I already had a default prior to me having a f & f accepted a while back, I have also offered them a £80 monthly payment as my sister would help me providing they freeze interest and allow me to clear the debts slowly, this has also been refused. They have issued me with a few letters stating they "may" start proceedings but to be honest I really want done with it if I can as the stress is making me ill and is causing even more friction between my wife and I and I was hoping to get back together and also see more of my boy. I have no income whatsoever and I am currently living with my parents and see my boy few a couple of hours everyday, My wife and boy are currently living at my house which has a mortgage, my wife pays for that, although when Lloyds asked me for an income and expenditure I just put living with my parents which was true. Mainly the questions I wanted to ask was, should I go to a debt management agency at this stage? what is a dmp, sar, dca and do I need one? the overdraft is years old I believe I did it online the loan is around 3 or 4 years old the cc was done years back, they have said that they would allow £100 pcm plus interest on solely my overdraft but this would be to much and would never wipe off the debt. I write letters to them and explain my situation but it is like no one actually reads them, If they at least said we would accept £8K or even £9K as a f & f then I could at least attempt to try and get the money from else where. Anyone have any ideas how to fight these as its making ill. Thanks in advance for all your time P.S had moorcroft letters as well but they stopped pretty quickly.

Hi. I am currently on similar predicament, https://www.consumeractiongroup.co.uk/forum/showthread.php?479254-Arrow-Shoos-SPC-Old-NewDay-Aqua-Credit-Card-Debt-***Claim-Dismissed-no-DN***/page5 after reviewing all the posts and efforts to divert this debt I am in the thinking that there is only 1 outcome and that is to repay the debt in some form. Is it possible to phone the original debt collector and arrange some kind of repayment plan, or should I simply fill in the C2 on response form for time to pay and send to the sheriff. Thanks for all the information provided between the posters, but I don’t think there is any avoidance in paying these small credit card debts with this new Simple Procedure Notice of claim. I don’t like giving up, so please don’t think that of me. Regards