Hiya a quick update on this, I was able to get some help in filling my initial defence in which I did Its now been 35 days since the defence was submitted and I have not heard anything? How long should I wait? If they have decided against pursuing it do I get anything at all to say this?

Sorry for the later reply I have had the dreaded Noro Virus over weekend It went like this: - Account was experiencing problems - payments rejected when they should not have been, phone numbers disappearing off online banking, overdraft going etc - Went to complaints who sent a very poor reply back - Escalated to CEO office who confirmed complaint was not read properly. they gave compensation + set up new account 18 months all worked well with no issues - Both accounts experienced same problems all I get is its a system fault O/D went on one account Other account ( which OD not allowed on ) went over by £400 -ended up being fraudulant payment but Halifax accepted should not have been allowed on system Phone numbers gone from account so cannot authorise online transactions Requested new pin and had to so over 15 times Payments rejected while I had clear balance For all the above was told system fault has caused it, then while in complaints it vanished off the system altogether which is where we got to the stage that I was waiting for them to come back to me I am obviously going to defend it ( if I can ) because not only should it have been passed on in the first place a lot of the amount is in charges caused for the OD being removed by the system fault I am going to do the defend today but not sure on this what additionals I need to do, is it worth me writing again to the CEO office to try and get them to claim it back? Also as I say it is all in my name rather than me and my partners which is very odd as it is a joint account - including letter I got from the collection company

Thanks, Yes of course I will but off to work now so will have to do tomorrow Thanks for the help

Hope this is okay for you: Name Of Claimant: MKDP LPP Date Of Issue: 19th Jan 2015 Value Of Claim: £5409.67 + Court Fees of £410 = £5819.67 Whats it for: Current Account Before 2007: No idea to be honest, probably after but will check Who has assigned: The Debt Purchaser Notice: Yes I did but replied to state it was under complaints with reference number Yearly Default Notices: No I have not Cease Payments: I did not, the overdraft went and then was passed on it seems while they were trying to rectify, I was arguing total as they added charges etc while it went Dispute: Yes there is and previously Halifax have admitted there is a fault on the account Particulars of claim: The claimant claims the sum of 5409.67 being monies due from the Defendant(s) to Lloyds Bank PLC under a bank account facility regulated by the Consumer Credit Act 1974 and assigned to the claimant on 20/06/2014. The defendants account number was xxxxxxxxx. It was a term of the bank account that any debit balance would be repayable in full on demand. The Defendant(s) has failed to make payment as required by the demand for payment sent by Lloyds Bank PLC. The Claimant claims the sum of 5409.67 and costs. The Claimant has complied, as far as is necessary with the Pre-Action Conduct Practice Direction On this it does say defendant(s) for plural but it is only in my name not my partner who has a different surname to me, I don't know if that is relevant

Hiya, Bit of a complex one, Got an account with Halifax that went into many problems - mainly system problems that caused the account to disappear, lose address records etc but it also lost my overdraft and was therefore moved to debt collection while I was in complaints process with them! Due to illness and a death in the family a few months passed and I did not hear back from Halifax. I then recieved out the blue a letter from MKDP saying I owe the account balance I gave them my complaint reference and re-wrote to Halifax who said they will get back to me in 4 weeks - I asked MKDP to put it on hold while this happened. Now today I have come in to see a court claim form from MKDP for the account balance + costs. Obviously I am going to defend myself against this especially as this is still in complaints but just want to know the best way to do it before I do Is it relevant as well that the claim has only been made in my name when it is joint account? Any help appreciated

Hiya, thanks for all the advice, My brother contacted the baliffs and set up a plan with them to stop them attending, however in less than a month they have added £1000+ in fees does this seem right? Here is the breakdown udgment Debt 5,000.00 Judgment Cost 120.00 Credit: 300.00 Execution Cost: 60.00 Interest: 596.89 Total: 5,476.89 Daily Interest: 1.06 Fees: [-] 12 Accounts Management Fee 121.00 12 Administration and Compliance Fee - 282.30 6.2(b) Auction Inventory Fee 297.36 1 Percentage Fee 123.00 2 Mileage Fee 50.00 3 Seizure of Goods Fee 2.00 12 Attendance to Seize Goods Fee 181.50 4 Making Enquiries Fee 4.00 12 Case Allocation Fee NOS 12.10 Total Fees: 1,073.26 Vat on Fees: 214.65 Total Fees + Vat: 1,287.91 Totals: 6,764.80 Outstanding [-] Grand Total: 6,764.80 Total Received: 0.00 Outstanding Balance: 6,764.80 I am confused when it says Auction Inventory Fee as no one has been in the property and they have only attended once Also at what rate are claimants allowed to charge interest on a judgement as they seem to have added £596 in interest onto the judgement total

Not for a utility but for a service he paid for as part of his wedding package - was due to pay 28 days after wedding and did not as lost job

Many thanks, Yeah I intend to have a go at him today dont worry! Its from a company for a debt he owes not a fine etc, I will get him to call the court and see if he can get the details that way

Hiya, My mum and dad have just called me stressed as a baliff has turned up for my brother ( he was not in at the time ) They know what the amount is for and who it is from but when my dad said he was not in the baliff did not leave any paperwork and just left. They have the court order so will the court know which baliff company is being used, both my brother and my mum suffer ( and have medical documentation ) of severe anxiety and depression and so my mum is already stressing massively about this My brother had already offered a monthly repayment but this has obviously been rejected. So my question is, will the courts know who the baliffs are and can they inform him? If they send medical notification + a repayment offer is this likely to stop the action? I am worried about there health with it all Many thanks

Whats an N245 form, is it fairly easy to fill in? Is there a cost with it? Many thanks Got a busy afternoon now I think

Hiya yes I have got a reference number from Action Fraud It took 14 months to get Action Fraud to finish looking into it initially and as I thought it was all over I am aiming to get this resolved asap! Looking online I have the form I need and will send that in to the courts today, I read online that hearings may take up to 8 weeks? Is that correct? I will also write today to the bailiff to ask him to put it on hold until then Many thanks again

Many thanks for help, What is the process for a set aside? Do I actually have to go to court to present it? It was Action Fraud who looked into it initially for me but I have submitted this as well

Hello all, Wonder if anyone can help, A little while back my account was hacked and my personal details taken - along with a bank account withdrawal This was resolved earlier this year, however today I have had a baliff attend saying that I owe £950 to a payday loan company. Now I have never had a payday loan in my life so know this is linked back. He had court paperwork - I asked for a copy which he said he would get for me- and it was for a previous address which is why I never got it to defend it. So my question is what is my next step? I have spoken to them on the phone and they have said they cannot do anything until the "appropriate court steps" have been taken by me, I have no idea what these are and what I need to get filled in Do I need to arrange for a judge to look at it? Whats the cost/ timescales with this? Any help greatly appreciated

I did at the time report it to the Charity Commission but they told me to write to the chairman/ trustees. To me this was pointless as they were the ones authorising it In what way do you mean if they dealt with finance? It was a disability charity but they did not lend money to anyone etc

Thanks for the reply, Are they allowed to mention the investigation then? Having looked further I have read they cannot give a negative reference, is this true? I am not very clued up on these things to be honest, I am not asking them to be selectively honest, just to credit me for the significant grant applications I made