Really appreciate your help. Thank you sir.

Thanks, that's good news. I am guessing that they will be told of the sale and any equity and come out of the woodwork? The loan was taken out 2005 and the last payment was 2010. They went to court despite offers of token payment and haven't pressed for payment. The ccj will drop off my file early next year. Is it worth making a full final offer?

This looks like the relevant part.

Right then, I pay £3 for the title register?

Loan was in my name only, mortgage is joint names. Does this make a difference?

Long story short, it's a 8000 unsecured loan that they refused to allow me to pay off slowly. There is no ppi as I've always considered it to be snake oil. They managed to get a default judgement ccj as I was slow to respond. I wasn't able to pay in 28 days and so they got a charging order. I'm looking to sell up and there isn't a lot of equity which I'm planning to point out in the letter. It's a long shot but worth a try?

Hi all, have seen the contacts here: http://www.consumeractiongroup.co.uk/forum/showthread.php?74985-****HSBC-Contact-Information-**** Does anyone know where I can send a full final offer to? Thinking that I email a copy of the letter as it may be quicker? Thanks

Thank you for your advice Coniff, much appreciated. The problem is with the bodywork, the covering or finish is 'artex' as opposed to smooth and the distributor will no longer supply such a finish to the seafront. The actual site have cancelled several orders from the manufacturer (Abi) and now only buying alternative makes due to several problems. Ultimately, I think they will have no choice but to accept a repair, despite their worries that it wont be the same post repair and their worries about it lasting, its a shame as it is a hell of a lot of money, more that I paid for my first flat! I think they were hoping it would outlast them, bless

Hello, it was purchased in September 2014.

My elderly relatives have purchased a static caravan near the coast for retirement but have had some issues and I was hoping someone here with a sharper brain than mine could help as they are old and very distressed after spending a huge chunk of life savings. The caravan is only 18 months old but already starting to rust away. They were hoping that it would last at least 15 years which is what was promised when sold. The site have written to them stating that the caravan is indeed faulty but as they had no knowledge of this at the time of sale they feel that the caravan was sold in good faith “as fit for purpose.” The site have proposed a repair in good faith as the caravan is outside the 12 month guarantee. Several other have been repaired nearby in the last 18 months and all have been subject to several problems and repeat repairs as it seems that once they are taken apart they are never the same. My understanding is that after 12 months the onus is on the consumer to prove that the fault was present at the time of purchase. And they have admitted this in writing.

Good day to you all. I have received a notice this morning from the court. The claimant did not complete their allocation questionnaire on time and as such the claim has been struck out. Is this a positive outcome for myself?

I only have a few days to fill this in and return it, failure to do so could result in a default judgement. So to answer the questions on the form, I believe that I should: Agree to refferal to mediaaition? Not agree to allocation to small claims track as the account is SB and they have ignored my CPR request?

Right then, first of all thanks once again for helping me make head and tail of all this. Today I received a notice of proposed allocation to the small claims track I am required to complete a directions questionnaire within the next 2 weeks. Is it appropriate to point out that this is statute barred? Is mediation a waste of time? As the cpr requests sent to Restons and Arrow have been ignored, I dont have a hell of a lot of information. I have a photpcopy of the letters I sent in 2009 and I am trawling through my old bank statements to find the payments. I also have the online credit report. Im unsure if there is a hell of a lot I can do about this?

Good day and a belated best wishes for the new year. Thank you once again for the advice and support above. I acknowledged the claim on the 16th and sent cpr requests to Restons and Arrow by recorded delivery, both signed for next day. I waited until the 11th and then submitted a defence which included statue barred and mentioned the spr request. In the last week, I have received a letter last week from the court acknowledging my response and a copy of n434 form from restons who have resigned from the case. I am unsure what to expect next as it seems to be a waste of time pursuing this in court but I head read on here that it is not unknown, in fact surprisingly common. There are other debts which are now also owned by arrow and are close to also being statue barred but not yet. With this in mind, I feel it is best that I refrain from making any token full and final payments on this one.

I bow down to your knowledge on this. Am I right in thinking that the account is likely to be statute barred and if so should I defend the action on this basis?