For anyone new to this site and worried about DCA threats :- Having been in debt for around 4 years now I have grown from someone who jumped every time the phone rang and was always scared of a Knock on the door from a debt collector and dreaded the postman delivering mail full of worrying threats into someone who has evolved due to this great site into someone who openly talks about my debts which has led to great friendships ( it still amazes me how many people are in debt), I now miss the calls as I can deal with them so much better now as I can upset DCAs far more than they used to upset me.

No you just ignore all their silly letters, they make it up as the letters go on first the tea boy send you a letter , ( if the monkeys having his day off ) few down the line the office cleaner takes over pretending to be a Solicitor and make's lots of claims of what they MAY do ( they dont do Courts because it would expose the [problem] ) last one is "Please pay us as them gits ' CAG have exposed our [problem] and we are really skint" get the gist of how it works now

oh yeh its $59 but free for 20 days only, tut tut , plugging a bit of software seems inspectorweb is posting same thing on many forums

To be honest, you are opening up a whole can of worms... beause the creditor can claim that you did not terminate the agreement because you tried to negotiate payments, etc... it's better left alone in the context of LiP as then it gets complex and your strongest defence is still the fact that you have not received a DN.

Gidden v Chief Constable of Humberside [2009] EWHC 2924 (Admin) (29 October 2009) trying again capital A in Admin needed. don't ask me why the cut and paste came out like that, my bookmark is okay and works and its done it again. trying this Gidden v Chief Constable of Humberside [2009] EWHC 2924 (Admin) (29 October 2009)

No help really JGJ but I thought the test case was now defunct with no appeal? I've reissued pocs with various claims I have running using GLC material and focusing on UTCCR 1999 sec. 5. This just to keep them occupied until after the GLC case due to be heard in June and maybe the 2 cases which I believe are currently on hold in England. Is Credit Security like a debt collection agency(DCA)? - if so, look at the guidance in the main forum on how to handle DCAs whilst you have an unresolved complaint; worked for my sis-in-law.

AQ arrived today was due on 6th may received it on 21st!!!! It is being defended by Emma Prince virgins legal counsel so should be a hoot, their defence was hillarious!

Sorry, just spotted it, 14.4 % APR but 7% on the credit. Hopefully someone can explain. My mistake, the agreement does state PJI will be applied at the APR rate. Good luck

Hi Kenny:) The address I used recently (for a GE Money Debenhams card - now Santander) was - Santander Cards UK Ltd Capital House 2 Bruntcliffe Way Morley Leeds LS27 0JG My SAR did get through to this address, although the address they returned my paperwork from was - Santander Cards PO Box 700 Leeds LS99 2BD ......which is the address I have been corresponding to since regarding reclaiming charges/PPI. Hope this helps and good luck with your claim on your son's behalf! Landy x

well the levy fee has to go only certificated bailiffs can levy distress MR Tutu was not certificated at the time of the levy the hedder H fee has to go (should never have been charged in the first place)only certificated bailiffs can add fees MR Tutu was not certificated on the date he added this fee the 2 van fees have to removed 1) they cant charge 2 van fees on the same day 2) they don't have a valid levy your card fees are a joke its time they were challenge £32 to make a payment is out of order

BBC News - 'Unfair' bank charges to be banned, government proposes

There are thousands of companies with their vehicles registered in the name of a Limited Company and many do in fact get removed. In your case, the PCN was issued against the Limited Company but this company has now gone bust. Therefore there isn't a vehicle to remove and the bailiff cannot get any money from the COMPANY. He is therefore TRYING to scare you PERSONALLY into paying the debt by THREATENING you that he will remove your PERSONAL VEHICLE. Please be assured, he cannot take your personal goods. That is the entire purpose of a Limited Company in that the debts are limited to that company ONLY. The ONLY time that you could

Make them work Fedup. You may be surprised what they recreate, if you demand the DN. Could be another nail in their credability coffin.

Hello FUAFB! Good work, so far! Whilst their POC is pants, they have mentioned both Agreement and Default Notice in it, so you can indeed demand to see them under CPR! If they mess around, as it seems they are already doing, then I'd go straight in with an N244 to ask the Court to Order them to let you see the Agreement and Default Notice...i.e. a physical inspection. They can also take a hike on s69 Interest, because, as you seem to know, they are not entitled to that when their Claim is based on a Regulated Agreement. See: County Courts Act 1984 and then see... The County Courts (Interest on Judgment Debts