I received the N1SDT from Cabot/Mortimer Clarke as I have been working away so only saw it yesterday morning, I have already Acknowledged it via MCOL I chose the option Intend to defend all. the Particulars of Claim as follows:- By an agreement between LTSB & defendant on or around 15/10/1998 ('the Agreement') LTSB agreed to issue the Defendant with a credit card. The Defendant failed to make the minimum payments due & the Agreement was terminated. The Agreement was assigned to the Claimant. THE CLAIMANT THEREFORE CLAIMS 3830.31 At the total cost Amount Claimed 3830.31 Court Fee 185.00 Legal Rep Fee 80.00 Total 4095.31 My question at present is as there are no account numbers on the form What should I put on a CCA in the Account number Reference to Cabot. Also sending CPR31:14 to Mortimer Clarke To clarify I do accept I had a card through Ltsb and also have been a bit of an ostrich in the past, due to various reasons I also have not been good with repayments since Jan 2015

I've seen some posts on stolen phones abroad and massive bills. Please help someone... My scenario: I had my phone stolen in Spain and some criminal gang used it to make 369 phone calls (sometimes simultaneously) to Serbian premium numbers before I was able to report it stolen. This has left me with a 6.2k bill which I received on 16 Oct (the calls were made on 27/28 Sep). Not surprisingly this freaked my out as when I reported it stolen the rep told me that there was no suspicious activity on the account. I immediately called Vodafone and the rep I spoke to advised that this was obviously fraudulent activity and that he would have the charges reversed. I received multiple assurances that I wouldn't be charged and that he would send me a confirmation email (he wanted to send a text, but I wanted it in writing). Phew, I thought! No email for a few days and so I called back on 20 Oct to find out what was going on and boy oh boy had their attitude changed. Not only had they refused to acknowledge the contents of my prior call but also refused to acknowledge that any type of fraud had taken place at all. The "you are liable for all calls up until reported stolen" line was being regurgitated at will. The calls over the last few days were basically me pleading with them to explain how they did not notice such high call volumes and take no action whatsoever. I had made 12 voice calls in the whole of September, but 369 calls over a 30 hour window didn't raise any flags?!? I was told repeatedly it takes more than 24 hours for the systems to update. Then the breakthrough that exposes this myth of "not knowing" they seem to perpetuate. I kept referring to the incident as a fraud and one of the many reps I had spoken to replied (prob out of frustration), "it's not fraud, your account was checked on the night of 27 Sep at 23:40 (12 hours after the calls began) due to suspicious activity and it was decided that no fraud was taking place". This was re-confirmed by a supervisor 3 hours ago. In other words, they have the technology to identify suspicious activity, they just don't feel like acting on it. When I pushed the supervisor on the duty Vodafone has to assist or act in the customer's interest when this type of activity is occurring I got a response that pretty much sums up their whole attitude, "Sir, show me where in our T&C's it states that we should act in the manner you are describing". Now the threats of debt collectors and credit scores have started. The only thing they said they would do for me is offer a payment plan over 6 months (as this was an exceptional case). I find myself moving between anger and anxiety constantly now... How do I fix this??? I'm so close to having a deposit to buy a flat after years of saving. This whole episode looks like ruining that dream...

Hi All, I'm new on here so I'm hoping I have found the right place to post this. I bought a brand new SIP mitre saw on ebay July 2012. The model in question has now been dsicontinued. This was a 'buy it now' transaction if that makes any difference, and payment was sent through PayPal, direct from funds in PayPal account (i.e. not credit card unfortunately). Saw was apparently fine, but soon developed problems. The saw works by driving a circular saw blade by motor. The motor transfers power to the blade via two pulleys and a drive belt. One pulley is bolted to the motor, one is driving the saw blade. There are bearings at either end supporting the axles between motor and pulley, and pulley and blade. Basically what's happened is, the bolts holding the pulleys to their axles have come loose during use, this has caused excess vibration, knackering the bearings and causing catastrophic failure of the belt, resulting in damage to the plastic cover housing all these works, completely destroying one of the bolts that was holding one of the pulleys on, and damaged pulleys. I contacted tool_stop (the eBay seller) on ebay in September to see what they would do about it, to which they replied it was outside of their 30 day warranty for a replacement, but they could get it picked up and sent to SIP to be repaired. I contacted SIP myself, and they collected the saw, and returned it to myself repaired in November. The saw has now failed again due to the same reasons. This time the belt has worked its way off and rubbed the casing, melting its way through before failing catastrophically. The casing is there partly to protect the user from such failures hurling high speed debris/pulleys at the user, which could result in severe injury if not worse. I really don't want to be using this saw anymore, because such catastrophic failure could result in injury or fire, so I would like a refund instead of a repair. I assume it's the seller I need to contact about this, not SIP. Do I have the right to demand a refund? I think I read somewhere that I could refuse the contract of sale or something, even having used it, but I'm not sure what exactly my options are or how to go about them. Any advice would be greatly appreciated. Cheers, Ben

It was top-secret in 1959 and remains almost completely unknown to this day - the first Soviet nuclear missile base outside the USSR. But it is still there, crumbling and steadily being reclaimed by nature in the forests north of Berlin. Link: http://www.bbc.co.uk/news/magazine-20079147