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  • Kraken's Avatar
    Yesterday, 23:18:PM
    How is it with this Cabot? There were threads Cabot has other sister companies and they have license and can act on behalf of Cabot UK? How can I check which debt is unenforcable? All debts will be 1.5-2 years after default, all unsecured.
    9 replies | 111 view(s)
  • Kraken's Avatar
    Yesterday, 23:15:PM
    Overdraft with BOS could be from 2006 but probably with changes several times as ammount I applied for has changed many times. Other debts are from 2008-2013 I had about 13 defaults and got the job as they checked only public registries CCJ,...
    9 replies | 111 view(s)
  • Diana M's Avatar
    Yesterday, 23:05:PM
    Diana M replied to a thread Mediation in Received a Court Claim?
    A Default Judgment happens as a result of the Defendant failing to file either their Acknowledgement of Service or their Defence within the court deadline. Mediation is not on offer or an option until after both parties have filed their...
    4 replies | 53 view(s)
  • New6466's Avatar
    Yesterday, 22:40:PM
    Hi guys received a court letter on the 18/10/17 and need some help what to do next I have done the AOS and what i know The account start date is 21/10/2011 and default date on the 01/03/2012 could this possibly be statute barred as I’ve never...
    0 replies | 26 view(s)
  • warwick65's Avatar
    Yesterday, 22:40:PM
    This is a very difficult one to offer advice on if I am honest Can you remember just how old each of the accounts are- I am guessing they are all after 2007 but if before it may help. You say your work is credit checked but i am guessing a...
    9 replies | 111 view(s)
  • New6466's Avatar
    Yesterday, 22:35:PM
    Hi all hope you’re well. recieved a county court letter dated 18/10/2017 have sent AOS need help on what to do next The account start date is 21/10/2011 and default date on the 01/03/2012 could this possibly be statute barred as I’ve never...
    0 replies | 23 view(s)
  • Diana M's Avatar
    Yesterday, 22:32:PM
    Cabot Financial (UK) Ltd is unlicensed. Check out which of your debts are unenforceable in law before you make a decision on your next steps. You may live in Scotland but the Consumer Credit Act is still applicable. Di
    9 replies | 111 view(s)
  • Dehaw's Avatar
    Yesterday, 22:19:PM
    Dehaw replied to a thread Excess mileage charge in Welcome Forum
    I've been using LB and following the advice here for the past few months as I only learned about voluntary termination after contacting BMW to hand the car back as I didn't even know you could do it. My story goes like this.... I've had a BMW...
    69 replies | 12558 view(s)
  • Kraken's Avatar
    Yesterday, 22:01:PM
    Now just need to stop Soohsmiths taking my wife to court. Then will think about other problems. There is no easy and good solution, if I went for bankruptcy, IVA I would not get my current job as I was credit checked in public registries so any...
    9 replies | 111 view(s)
  • Spirit200's Avatar
    Yesterday, 22:01:PM
    So so true! Is that why so may cases end up with a default judgement?
    4 replies | 53 view(s)
  • roop27's Avatar
    Yesterday, 21:57:PM
    Hi thank you for your reply. I dont I'm afraid. It's just come in the post
    2 replies | 37 view(s)
  • Kraken's Avatar
    Yesterday, 21:54:PM
    Joint is only bank loan for about £17k Wife: £26.5k (including joint debt) Me: £30k (including joint debt) Two children 4 and 6. We have two bedroom flat so kids are in one bedroom. We should have 3 bedrooms.
    9 replies | 111 view(s)
  • Spirit200's Avatar
    Yesterday, 21:52:PM
    How would VIP access help? You don't need to publish exact amounts of debt, just indications of the amount
    13 replies | 207 view(s)
  • charitynjw's Avatar
    Yesterday, 21:51:PM
    Hi & welcome to LB. There doesn't seem to be much wrong with the Notice to Keeper; it looks pretty compliant. Do you have any pics of the site signage?
    2 replies | 37 view(s)
  • warwick65's Avatar
    Yesterday, 21:47:PM
    I do tend to agree with you on that I just wonder if at times a more pragmatic approach is needed We see all to often the emotional aspects of receiving a court claim and the anxiety caused by an impending court appearance. Of course i also...
    4 replies | 53 view(s)
  • Carlosdecorator's Avatar
    Yesterday, 21:45:PM
    It was bought and registered in my own name. My business isn't Ltd. I'm just a sole trader trading as such and such painting and decorating. Am I responsible for getting it to them cost wise?
    2 replies | 47 view(s)
  • slothy's Avatar
    Yesterday, 21:45:PM
    Hi @charitynjw im back home now, do you have any advice/guidance that may help please? cheers
    8 replies | 142 view(s)
  • Debt Camel's Avatar
    Yesterday, 21:39:PM
    You can black out the amounts if you want. But honestly you are asking us to guess when we can't see a lot of the picture - this doesn't actually help you. If you are really worried, then pay for VIP access.
    13 replies | 207 view(s)
  • Debt Camel's Avatar
    Yesterday, 21:34:PM
    I am not an expert in the range of Scottish debt solutions, but let's start with some basics. How much are your joint debts? How much is just in your name? In your wife's name? How many children do you have and how old are they? Is your flat...
    9 replies | 111 view(s)
  • plasterer's Avatar
    Yesterday, 21:25:PM
    Hi all ,first post looking for help and advise in this matter Mum passed away november gone , And dwp heve been in touch since , Looking into overpayment of pension credit . Mum was 87 when she passed . As far as we can work out she was...
    0 replies | 24 view(s)
  • Kati's Avatar
    Yesterday, 21:20:PM
    Kati replied to a thread DWP debt management in Money & Debt
    don't forget that SAR requests to the DWP are free (they don't charge the £10 for it :) ) xx
    4 replies | 150 view(s)
  • Kati's Avatar
    Yesterday, 21:17:PM
    Kati replied to a thread Hello to All in Welcome Forum
    :welcome: to LB plasterer :wave: feel free to give me a shout if you need any help finding your way around ;) xx
    1 replies | 29 view(s)
  • charitynjw's Avatar
    Yesterday, 21:07:PM
    Oh noooooo!!! The Force is strong with you, young Warwick! Use the Force! :highly_amused: Seriously though, I reckon most people go with the 'I haven't received all the docs, so Mediation is a no-no'.
    4 replies | 53 view(s)
  • plasterer's Avatar
    Yesterday, 21:00:PM
    plasterer started a thread Hello to All in Welcome Forum
    Hello And thanks for having me , Member of many forums admin on some , (not all as legal as this ) lol mostly sky and cable forums . Anyways after helping many , now looking for some advice and help myself Thanks again...
    1 replies | 29 view(s)
  • Amethyst's Avatar
    Yesterday, 20:50:PM
    Amethyst replied to a thread DWP debt management in Money & Debt
    Oh goodness, so unfair. I had social fund loans in 2008/2009 time and they were being paid back out of my benefit payments - but there were never any statements sent and I have no idea if they have been paid off or are sitting there waiting to...
    4 replies | 150 view(s)
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