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  1. Just read through my last post! Makes very little sense! Hope you get the idea though!
  2. So the case was declined!! Yay!! Thank you so much for your help! Is there any thing I should now? Can they still peruse the debt or do they have to leaver alone?? Thanks again
  3. I posted it this morning 1st class. Should I still put up the statement I received from them?
  4. Yes, I will list the particulars when I get home if that would help?
  5. Yes, it contains the original agreement along with a letter dated the 20/02/2009 stating the debt had been sold to lowell and another which is a very grainy statement of payments that I believe to be fake!? I've checked my credit file and no such payments exist and the payments where taken on a credit card of which I didn't own a credit card the date they have submitted!? Thanks for your responses Andy
  6. Well...... I have been ordered but haven't because untill you asked hadn't realise I would have to. The cut off date was 19/11/14. I suppose that's that's then? Honestly punching myself now for not reading that letter thoroughly!!!
  7. Any other help on this? Nothing appears on my credit file!? what can I do literally print off my file and give it to the judge? I'm obviously apprehensive as the 16/12/14 is edging closer and so not really want to look an idiot in court!!
  8. Just to add I was correct and did take protection on the card!!!!! So that puts the whole redundancy issue back in the equation!!??
  9. Hi guys, little update and more help required if at all possible!? I have a small claims court date of the 16 December. Arrived home this eve to a nice little envelope full of what appears to be completely fictitious material. they have enclosed the orginal agreement which is the only document that's doesn't appear to be falsified! (Dated 05/11/03) They also have enclosed a letter dated 20/2/2009 stating that MBNA have sold the debt to Lowell. I did not recieve this letter and was infact living in Bedfordshire when this was dated. More worryingly they have submitted what they call the claimants records of payments dated 3rd September 2009 to 23 February 2010 which details seven payments of £60.60 this is a very grainy document that to my knowledge is completely fabricated!! Can they get away with this or are they just trying to pull one over on me?? Is there a way I can prove I haven't paid this? They say the payments where made by credit card, again fictitional as the only credit card I have ever owned is the very card this whole problem is about!!!? Any help would be massively appreciated. Ta
  10. Can anyone help? So can I scan and emails these documents to them??
  11. I received the directions questionnaire, and have by all accounts completely forgot about it!!! I have untill the first Of September to reply. It's not the end of the world as I can fill it out and hand deliver it tommorow if required. Could some one please help with what I have to put in the form. It makes little sense to me!!? Also is the form available to fill out online etc ?? Just to save having to drive to northampton tommorow morning!!! I'm such an idiot for forgetting Cheers in advance.
  12. it seems I spoke to soon, I got home today to a letter from be legal dated the 4/8/14 Reading they they are going to continue to peruse this matter and have sent a copy to the court!?? Is this right or are they trying it on?? A little worried as believe they are within the 33 days the girl said at mcol customer services said they allow them?? Any help would be great Thank you
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