Hi, Wonder if somebody can help. I have received a claim form from the courts. The problem is that I have never received any information about this as the address was incorrect, it was Flat no, flat name, flat no, road name on their letters (I checked with them, might not be a good move). The claim form had Flat no, flat name, flat no, truncated road name (only half of the name printed). The rest of the address was incorrect. What is the best route forward with this. I don't deny owing the monies, I don't object to paying it back, due to circumstances, I left my previous house which I shared with an ex girlfriend, and left lots of paperwork behind. I have noticed that they are claiming more than the default amount. Just would appreciate some advice on what to do next please. I did explain that due to the incorrect details when on the phone, I would look at a formal complaint with the ICO, defend it due to incorrect information and not being given the opportunity to resolve the issue. They said something about an order that if it was stuck to, it wouldn't appear on my credit file, but if I broke it, the claim would be put back in to court. Please can somebody advise me the best way forward. Many thanks in anticipation.

hi everyone i need help, i defaulted on my HSBC credit card over 6 years ago , and since then ive been paying them £X a month. Never missed a payment Went to check my credit file and now they have changed the date of the default to 2004 not 2001. can they default me twice within the same period ? My six years of being "blacklisted " was over , only for it to start all over again! HELP PLEASE

Hi There, As you can see this is my first post, i think the forum is fantastic...!!! Now, my issue is regarding Black Horse. My ex-wife and i had a secured loan (to the house which was solely in my wife's name) with them from 2005. Cutting a long story short, we were unable to pay this loan, because we were both made redundant subsequently fell into arrears. In the interim i broke up with my then wife and we've been separated for the last 4 years living apart. Unfortunately for my ex-wife at the time, she had to also sell her house. To my understanding my ex-wife had been in an arrangement with Black Horse making token payments to them. I have only by chance taken a look at my credit file and noticed that Black Horse have placed a default on my credit file in February 2013. The account is still shown as OPEN on my credit file. It gets worse, there are TWO DEFAULTS for the same amount of monies owing (£8k) One by Black Horse and another by a company called Marlin Finance Services. It appears that Marlin Finance inherited the debt from Black Horse. I have written to the CRA's and have requested that my name is dissociated from my ex-wife. Now my questions are as follows:- 1) Is it possible to have two defaults at one time...?! 2) I've never received a default notice or even a warning, can this still be enforced...?! 3) Even though both entries on my credit file are showing my account as still OPEN, could i still have these removed...?!!! 4) What would you consider are the best steps to proceed with this matter...?! Many Thanks for your help.....Looking forward to your replies.

A while ago I received an email from Digital Financial Services claiming the remainder of my Nextcredit loan had been transferred to them. It sounded dodgy but after emailing Nextcredit, they confirmed my loan had in fact been transferred as stated. I've sent a few emails back and forth to DFS asking them for further details of my account to prove they were in possession of my details. Their initial email simply said 'dear customer' but did quote the correct loan amount outstanding. They replied with my postcode and mobile number, this pretty much convinced me things were on the level and I was then planning on discussing repayment options. 10 minutes ago I have now received the following email from Next Credit: Hello, Re: Digital Financial Services Ltd We write to you following notification that a company called Digital Financial Services Ltd (DFS) may have attempted to contact you regarding your loan with Nextcredit Ltd. We understand that DFS is claiming that certain loans made by Nextcredit have been transferred to it and they are instructing our customers that all future payments are made to DFS directly. We are writing to confirm that this is not the case and that DFS is not acting upon any instruction or agreement with Nextcredit Ltd. Your loan has not been transferred to DFS. You should continue to liaise and/or make payments either directly to Nextcredit Ltd or, where instructed, our collection partners, Adept Credit Solutions Ltd and/or their agents Capital Resolve Ltd. We would emphasise that if any payments are made to DFS they will not be credited to your loan account with us. We apologise for any inconvenience or distress caused by the actions of DFS and wish to assure you that we are taking appropriate steps to prevent DFS from continuing to contact our customers. Yours sincerely, The Nextcredit Team Very shady! I'm awaiting a reply from Nextcredit on why they told me DFS was legit and also how they got my loan and personal details!

Hi there, First of all, I'd like to say thanks for all the threads on here. It's been really good to read. I bailed out on some Credit Card debt about 6 years ago this summer - I'm not exactly sure when. Today I received a letter from Link Financial Serviced addressed to me at my parent's house in the UK where I haven't lived for almost 20 years now. They're forwarding me the unopened letter. I'm just wondering what to do: the debt itself should be almost expired, so I don't really want to have any dealings with the company. But I also don't really want my parents involved as they're now elderly, and don't know that I walked away from the debt. I've lived in Spain for the last 9 years, but always paid through my UK bank account (until I stopped paying), so they're not aware that I'm not even in the UK. Is there anyway I can get my name removed from their database? I gather that calling them isn't a good idea. Any advice would be greatly received. Thanks!

I have just received a third letter from Citi financial stating they can not find any details on the loans which I took out with the Associates Capital around 2002 possibly before. I have sent all the relevant information I had on this matter to CitiFinancial including a bank statement from the time. As i do not have the credit agreement any longer. On the bank statement you could clearly see the loan agreement number and dates and my address at the time. Regular payments where made to this loan I have also filled in our questionnaire to the best of my ability. I vividly remember having to take out the PPI or I would not be eligible for the loan. it feels like I'm banging my head of a brick wall what is the next step to take I'm not sure how to proceed. any help would be greatly appriacated glen

Hello. A got car insuance through a broker called Adrian Flux. They sent through details of the insurer which is Trinity Lane. They’ve sent me through the paperwork and I was looking through it and in the Trinity Lane documentation it says this. We are authorised and regulated by the Malta Financial Services Authority under the Insurance Business Act 1998 to carry on the business of general motor and accident classes of insurance. So basically I don’t know if this is OK or if I should be wary that it is not authorised and regulated by an authority here in the UK. I can still cancel with no penalty so I was wondering if anyone could give me some advice. Thank you.

Hi all. I had been in dispute with Co-Op Financial since 2007 as they could not produce a prpoer credit Agreement. At the time, the debt was £2300 .I have seen them off over the years, along with about 15 collection agents. They finally sold the debt to Link Financial and along with all the overdue charges and interest, the debt is now over £6000. I nave not paid anything since 2007 and in that time never acknowledged the debt, I assumed it would be Statute Barred in December 2013. Link now tell me that the Co-op didnt default till October 2012, so not SB till October 2018!!! How can they default 5 years after last payment?

I also was in the middle of a dispute and they have sold it to cabot they say. They can't do this!! When are they going to be dealt with? I have refused to deal with cabot. If we all did the same!?? Can they pass an account on during a major complaint? Thanks

Hello, has anyone heard of Ascent financial services? They want to come and do a review of a relative of mine as they have arrears with the Halifax. They made a plan to sort the arrears on phone with Halifax and next thing get a letter from Ascent. Do they have to undertake this review as they really don't want to and want to stick to the agreement they have with Halifax. Thanks.

Hi, I am new here and I looked through the forum but the questions that I have, have not been asked before. So I am starting a new thread. I have been in credit card and secured loan debts for more than 15 years and most of the time, I have been working to pay my debts. The life had been very hard. But last year a friend advised 'not to pay any of your credit cards debts as you are just killing yourself', and I did stop paying them which gave me some breathing space. Now I have one creditor taking me to court to seek a CCJ. I have reviewed my financial situation carefully and I have come to a conclusion that I will not be able to pay any of my debts for at least another 10 years and I am 48 now. The same friend has advised me now to stop paying mortgage and remaining 2 secured loan payments and apply for bankruptcy, which I agree to but I am worried about committing BANKRUPTCY OFFENCE, and ending up up to 15 years of BRO. Could the following be considered Bankruptcy Offenses; If I stop paying my mortgage (which has a negative equity of about £15,000) and secured loan, then could this be considered a bankruptcy offence as I would have piled up debt? I am employed full-time and my take-home pay is about £1500 with overtime. But I want to give up this job as it exacerbate my Sciatica pain. I want to do taxi-driving for a while which I did before. Will OR consider this an offence as my income will go down to about half? I had stopped paying my creditors over a year ago, so could this be considered an offence or fraud? I am also the director of my own LTD company(book publishing) but it made a loss of about £1500 in the first year. I am not hoping to get any financial reward from selling any more novels in the near future. So if I sold the entire shares to a friend or family member then could this be considered an offence. I want to do this before bankruptcy as I know I cannot remain a director. Thanks in advance for your help!

Hello everyone , I need some help regarding a small claims court claim from cabot and a old capital one credit card. Cap1 took me to court back in 2011 , but it never went to court in the end as I settled with them the day before by signing a Tomlin Order, I did make two payments in regard to the order however both these payments went missing as I payed by cheque , in each case the cheque was cashed and my bank confirmed they had cashed it !!, I gave up with them and have not heard anything from them since. I did dispute the balance with the original creditor and they agreed to take off all the charges off. I want to dispute this claim in full and would hope some members here could offer some advice, I guess the first step is to do a "acknowledgement of service" with the court and then send a CCA request to cabot Any advice would be helpful , thankyou.

Just checked my credit file today. Original Credit Card debt defaulted with OC December 2010 stopped paying monthly repayment plan last year so not SB. Debt passed to Cabot. Requested CCA - details not provided and unenforceable. Cabot have now entered another default status January 2016 ? Can they do this ? Thanks

Fees for winning financial claims cases such as mis-sold payment protection insurance are to be capped, under proposals to protect consumers from high charges by some claims management companies (CMCs).The Ministry of Justice plans to cap the maximum completion fee at 15% on ‘bulk claims’ with a single lender, and cap the overall charge for claims worth more than £2,000 at £300. The government said the changes will stop companies charging ‘exaggerated prices’, which it said can amount to as much as 40% of total financial compensation. According to the government, CMCs have taken an estimated £3.5bn in charges since 2011. It said that there is ‘widespread concern’ from consumer groups, banks and insurers that CMCs continue to make speculative claims through aggressive marketing and nuisance calls. The proposals also include introducing a maximum ‘cancellation’ fee of £300 for bulk claims, as well as bans on referral fees for PPI or packaged bank accounts claims, upfront fees, and fees where no relationship is found between the consumer and a lender. The MoJ has also proposed capping the maximum fee to 25% of total compensation in any other financial cases. http://www.lawgazette.co.uk/law/new-caps-on-financial-claim-fees/5053644.fullarticle The consultation seeks views and further evidence in relation to proposals to: cap the maximum completion fee to 15% (including VAT) for bulk claims (such as mis-sold payment protection insurance claims) with a single lender and cap the overall charge for claims worth more than £2,000 in total to £300 introduce a maximum ‘cancellation’ fee of £300 for bulk claims when a consumer cancels their contract with a claims management company after the initial 14 day ‘cooling off’ period ban CMCs from receiving or making any financial payment for referring or introducing a consumer to a third party in relation to a PPI or PBA claim ban any fees where no relationship is found between a consumer and a lender ban all upfront fees for all financial claims, where CMCs ask to be paid before any work is carried out cap the maximum completion fee to 25% (including VAT) of the final amount of compensation awarded in all other types of financial case https://consult.justice.gov.uk/digital-communications/cutting-costs-for-consumers-finanical-claims

READ MORE HERE: https://www.gov.uk/government/publications/financial-top-tips-for-service-personnel/financial-top-tips-for-service-personnel

About a month ago I had to have a credit check for a job I applied for and now I have had a phone call from Cabot Financial, but don't know what it's about. The phone conversation started off "can I speak to Miss C***?", I replied "speaking". They said "can you confirm your date of birth for Data Protection?" At this point I said "who am I speaking to, I am not obliged to give you personal information over the phone when you contacted me and I don't even know who you are". They then told me that they were Cabot Financial. I told them I had never heard of them and they told me they would send me a letter. Now I am worried about what it will be about since reading up on the Internet it seems they are not a nice company and tend to buy old debt. There are a couple of things I would like to ask to anybody that could possibly help. (1) Have I now acknowledged that I am the person they are looking for by answering the phone to them? (2) I was given the job I applied for, but told by manager that I have to have a credit check once a year so does this mean that I may lose my job if Cabot took me to court? I have yet to wait to hear from them, but if I hadn't have had to have a credit check for employment purposes, I would be living in peace now. Can anybody please help? Many thanks in anticipation.

To add to my woes I find that I have had 38 calls from various Capital One numbers in the last week - I have asked them to WRITE to me and to remove my numbers - they wont - advice please?

Hi there, posting on behalf of a friend whom I could kick up the back side for not confiding in me earlier. Friend is in his late 50's surviving on small amount of ESA and two private pensions, last recalls having credit cards 15 years ago where he got in to debt with them, had been receiving letters but after opening them he has ignored replying or paying anything until July 2015 when he received post from Mortimer Clarke advising him they had obtained two CCJ's for the clients Cabot for two different debts of which he is unsure as to which Credit Cards they relate to at this stage he panicked and contacted MC and offered payment of £20 on one debt and £10 on the other and repayments started in August 2015. Have checked on Noddle and his report is completely clear other than the CCJ's showing and nothing in closed accounts. I asked him if he received a claim pack and he advises me he did not and having been through his letters received in the past which he has kept I can find no claim form. He has lived at his current address for the past 20+ years. I don't know if anything can be done but thought I would ask Regards to all

I just wanted to share with you what I hope is good news. One of my sons was being pursued by Lowells for a debt that was nearly nine years old and for over £7000 .He had ignored the letters as he knew the debt was statute barred but was served with a county court summons. Using the advice given on this forum I put together a defence based on the fact the debt was statute barred . It continued through the court process up till the notice of allocation to small claims track. He then heard nothing as to whether they had paid a hearing fee for a date set later this month. Today he received a letter from Lowell's solicitor Bryan Carter serving him with a Notice of Discontinuance. I am still distrustful as to whether this is genuine but intend to visit the county court to verify this as I would hate to think this was a trick by the solicitors to stop my son attending the hearing and them getting judgement by default. I really hope that this is an end to it .

Not sure if anyone can give me any guidance on this one as it is going back a while. Back in 2009 my husband who was a subcontracter at the time was working away - he had bought a nissan xtrail on finance a couple of years before - as the recession hit his work dried up and consequently he fell behind with payments - It got to the point where we thought we cant keep the car and as the fianace company were not willing to offer any kind of assistance we wrote to them and asked to hand the car back - I have to admit at the time we were going through such an awful time financially that we were not on the ball - in the January of 2009 they came one night and took the car away - In the march we received court papers re a ccj for the rest of the money owing on the agreement - We knew we had paid quite a bit back but were still shocked as they claimed we still owed £10,876 - they had included all of the interest which would have become due. I think we thought there was nothing we could do my husband had an offer of 2 weeks work up in scotland when the court date was on he couldnt make it the ccj was granted. we have been paying £60 a month ever since never missing a payment. I thought I had lost the original credit agreement from the car loan but I have been clearing out paperwork and I have found it - The amount of credit was £23,314 the interest was £7,239 At the time they took the vehicle back at our request we had paid £15,223 back and they got £4,833 from selling the car- which was ridiculously low on the credit agreement from Nissan it says that we had the right to end the agreement - it s ays that if we had paid £15,379 and handed the car back they would not ask for anymore money. we have paid a further £5000 to them. Obviously in hinsight I should have looked into this I asked and asked for help from the company when I mentioned about returning the car it was never mentioned that I was just £154 short of paying back the half required - Is there anything you can suggest we can do about this because we are still required under the court order to keep paying for probably another 5 years - Salans dealt with all of this at the time

Debt management firms We have written to debt management firms recently. This follows an increase in customers with debt management plans being transferred between firms. In a letter to firms, we reminded them of their responsibilities when buying or selling customers' contracts or contact details. In particular, the letter emphasised the need for firms, which are considering selling on their customers, to advise the FCA of this at an early stage. A copy of the letter is available on our website.

Hi there, this is my first post here so please be patient I have a Barclaycard with limit of £4000 (I actively reduced this from 6K) of which I currently owe just over 3K. I am only able to pay £100 a month so the debt is only being reduced by about £60 a month. Now Barclaycard are increasing their APR my monthly payment will reduce even slower than now. I tried to apply for a 0% balance transfer card but was unsuccessful. My husband has only managed to open a Lloyds Platinum card with a 1K limit so we can transfer £950 onto that and make regular payments no problem. It is only recently that I realised that I am paying PPI on my Barclaycard, however, I finished work in August 2013 due to back trouble. I have been in receipt of ESA until very recently following a Health Assessment which deemed me fit to work (!!!) My benefit stopped. My husband works in forestry and is on a low income but we are not eligible for any other benefit. So I'm thinking that I should have claimed on the B/card PPI - but is it too late now. If any claim was rejected could I reclaim the PPI payments made on the account. Can I write and ask B/Card to freeze the account and interest as I am only interested in paying the debt off and will not be using it to make purchases etc. I find it SO frustrating to read about all these long term 0% cards and then find we are not eligible to receive them. How am I supposed to improve my Credit rating when I am finding it SO difficult to keep afloat? Sorry for the long post - just wanted to make sure that had given as much information as possible.

My partner too has now received two letters from Lowell, the first from "Lowell Portfolio 1" and the second from "Lowell Financial". They are citing a debt they have purchased from JD Williams, the original account having been opened in 2002. My partner has never heard of JD Williams, let alone purchased anything from them. They said that they had used a credit reference agency to find her address (we have lived at our current address for over 20 years), but having paid for a £2 Experian report (a company they advertise on their letters), there is no reference to a search by anyone other than the Identification Generic Check by Experian themselves. Interestingly Lowells have addressed her as Mrs, when all mentions of her in the credit check are Ms. She subsequently sent them a letter (electronically signed) stating that she has no knowledge of any debt owed to JD Williams and that unless they could provide evidence of liability for the debt in question, they should make no further contact. This letter was sent by recorded delivery and delivered on 7th October 2015, the date of the second letter from Lowells. I am interested that the wisdom of the replies is that this is a fishing attempt and that it should be ignored. Unfortunately this situation is causing my partner some anguish and telling her to ignore it is proving difficult. My intention is to ignore this second letter and should further correspondence be received, send a letter based on the CAG "You know nothing of the Debt / Prove It" template, but I would appreciate advice as to this being the best course of action. Best regards, squill

Hi Can you Help please? I have received a Claim form from the county court business centre. The claimant is Cabot Financial I have answered the questions requested below on the forum and I am preparing to send a CCA request to the claimaint and a CPR 31.14 to the solicitor In the CPR31.14, do I need to include all 4 points mentioned in my Particulars of Claim, as I have listed below? Thanks in advance - Name of the Claimant ? cabot financial Date of issue – 17 sep 2015 – What is the claim for ? 1. The defendant entered into a credit agreement described by the original creditor as HALIFAX CREDIT CARD and having account number xxxxxxxxxxxxxxxx (‘the account’) 2. The claimant, a UK limited company with the company number 375xxxx, is the assigned and legal owner of all rights previously enjoyed by the original creditor in respect of the account 3. The defendant is indebted to the claimant in respect of the account in the sum of £1725.77 4. The claimant claims the said sum of £1725.77, plus the costs What is the value of the claim?£1725.77 plus £105 court fees and £80 legal representative fee = £1910.77 Has the claimant included section 69 interest(8%)within the total claim or is it shown separate within the Particulars but not added to the debt? There is no such section that I have seen on the form Is the claim for a current or credit/loan account or mobile phone account?Credit card When did you enter into the original agreement before or after 2007?Unsure as this was a long time ago. It might have been in 2006 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? Not that I recall – Did you receive a Notice of Assignment?Unsure as this was a long time ago Did you receive a Default Notice from the original creditor? Unsure as this was long ago Have you been receiving statutory notices headed “Notice of Default sums”at least once a year? I don’t recall Why did you cease payments: Lost my job - 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? I did in the beginning but couldn’t keep up with the payments Also, regarding the defence to be provided to the County Court Business Centre, How do I go about putting this together as I plan to contest this in full? Do I need to make a specific statement to this effect or is there a separate process to follow ? Thanks Again

Hi, I have been getting letters from Cabot Financial (Europe) Limited, then from Cabot Financial (Merlin) Limited and then again Cabot financial (Europe) Limited. They are chasing me for 5 years old debt. I heard that they don't have a licence and can't really pursue anyone for debt but I am not sure whether this is true or not. could someone please advice? thank you