me v first direct court on tuesday

**braindead58** · 5th July 2009 13:12

Hi guys.
First diabolical got a ccj and a charging order against me last year without my knolage.The debt that they claim I owe them is made up intirely of bank charges and the account has been in dispute for over 2 years now.

Tuesday After a wait of 3 months i am going to court to have the ccj set aside and hopefully the charging order taken off my property on the basis that i knew nothing about the original court case and that the amount they claim i owe them is in dispute and has been so for over two years.

Just a quick question, When i sent off all the paperwork and evidance to the county court icon

i had to send them copies to be passed on to FD. I in return have not recieved anything from first direct via the courts or directly. is this a good sign that they will not be defending themselfs or could i get a nasty suprise

Please let me know your thoughts

Braindead58

**diamondgirl** · 5th July 2009 13:31

Hi

Sorry I can't actually answer your question but if they haven't submited anything you can't defend what you haven't got so I would think maybe they know they were in the wrong in the first place so hopefully they haven't responded which has to be in your favour. I may be wrong of course I haven't gone through that procedure myself.
You could always ring he courts on monday and ask if they have received anything from them yet.

DG

**braindead58** · 5th July 2009 13:59

Hi dg.
Thanks for that i was already planning to do that tomorrow,As far as I know they have to attend court if they dont the court will find in my favor. I at least have given them the oppertunity to defend themselfs that is more than they gave me.

**diamondgirl** · 5th July 2009 14:10

You've probably shaken then up by trying for a set aside icon

. These companies think he law is just for them and will always find in their favour but that's not always the case. My own got struck out so I am just waiting now till they contact me again as I've heard nothing for a few months now.
Good luck to you and let us know how things go.
DG

**braindead58** · 5th July 2009 15:25

I would like to know if anybody has taken fd bank to court about there worthyness to hold a consumer credit license. There worthyness as far as I see it is doubtfull.
The debt collection icon

guidlines issued by the OFT states that it is an Unfair practice icon

not ceasing collection activity whist investigating a reasonably queried or disputed debt, in my case and many others im sure these and other OFT guidlines have been disregarded.This is not really a fair question but gives you something to think about when going to court.

We as consumers go to Companys Banks Insurance company etc who have signed up to a code of conduct when we see that a company has a consumer credit license and that license is subject to a code of conduct (or guidlines issued by the OFT) we assume that they would folllow the guidlines or loose there license. makes you think dunnit lol

**braindead58** · 7th July 2009 08:11

I spoke to the court yesterday (monday) and they have confirmed that they have not recieved anything from fd -hsbc.regarding county court icon

case later today. feeling a bit nervous but hopefully all will go well.let you know later this afternoon how it turns out .This is just the first step in what I expect will be a long battle. wish me luck ""

**braindead58** · 7th July 2009 13:26

did not go well have 14 days to produce a detailed defence and a part 20 claim what ever that is HELP or he will find in there favor. felt very much out of my depth.

**fernack** · 30th November 2009 10:36

What happened please?

**annabella7** · 15th October 2010 12:49

Hi, I am just wondering what was the outcome of your case as you havnt posted in a while. I am now in the same situation.

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