Hi Oli/Ida This is an Ordinary Cause action, so yes the costs could be high if it goes to a legal debate or Proof/Proof Before Action. Crocdoc has made some good suggestions which make sense BUT in order to help further could you please confirm the following. 1. What type of debt this is: credit card, loan, secured/unsecured? 2. What are your dates for submitting a defence, final adjustments to the Record and Options hearing? 3. What correspondance you have had with the original creditor/DCA and what payments have been made. 4. Have you an agreement? 5. Was a default notice served? 6. Has a termination notice been ser

Hi Surfer, just to let you know im still waiting on that phone call about the chair.Nothing as come on free cycle to say its gone yet.Ill keep watch though.

I have had tax back twice for cancelled flights-from 2 different companies without any penalties. I also have 15586 more posts than Raymond:rolleyes:

HSBC probably won't talk to you now it is with their solicitors and DG won't lift the charging order until the debt has been settled. You need to go back to court and ask them to lift the charging order to allow settlement and in your circumstances they should be sympathetic. You will need to give them a guarantee that payment of the unsecured debt will be made from the settlement and the way to do this is via a solicitor. He gets the settlement, he pays the unsecured debt, you get the rest - that should be acceptable to a court.

Erika asked me to check in on this thread, as I used to process ESA in a large processing centre. I didn't work on the medical side of things so much, but here are my thoughts. Pregnancy on its own is not considered to be an incapacity until well into the third trimester. Erika may well be correct in saying it's 34 weeks; if not, she's not far out. Complications in pregnancy can, of course, be considered to be an incapacity, depending on their nature. This is of secondary importance, I would say, since thyroid cancer clearly is an incapacity. Also, the decision to award or refuse ESA is taken by a Decision Maker in the processi

subbing - just dropping off teens will be back soon! Mums taxi service

WIthin the cooling off period you either have to write in or email in - they cannot take your cancelllation over the phone. you can email on the contact us option on sky.com

In particular have a read of post 293 in LB145's thread, http://www.consumeractiongroup.co.uk/forum/mbna/242602-county-court-claim-received-30.html It will give you a pretty good idea of the way you will need to argue your case.

Hi I done some chasing to Lloyds over the last few months and when contacting them by email now, I always copy the email to the Chief Executive officer (CEO), I feel this helps. When and if you email Lloyds just remember to give them your case/complaint ref number, when I email them now, they do normally get back the same day or the following day the latest. Details here: [email protected] CEO [email protected] Good luck.

Antone the answer to your question would be, in how you helped fellow poster's, wether you brought only the offical line part of 'you' or used your knowledge of officaldome in aiding fellow poster's. Not all people working for big companys, DWP and banks etc........ have automatic enemy status(you do have put bread on your own table as well a jobs a job) CAG is open to every one you don't have say if you are working(and for whom) or not. That is why CAG stands out. wishface re-post your question in this thread you never know. dk

You're quite right, but it's always good to be able to prove to the court that Rectums are allegedly lying through their back teeth on these occasions. It throws doubt upon them, and if you show that they're making false statements on one matter who's to say there aren't other porkies involved? cheers Rob

If they have stated in witness statement 1st class service then you need to serve further statement with copy of your envelope showing second class post. Fax it. The case they refer to is being appealed. I'm sure if the case is as good for Restons as they think they will happily disclose a copy by return or not if it isn't. If they don't provide you with copy and then ambush in court you ask DJ for adjournment because you need to take time to digest it & seek legal advise. Also tell DJ that you understand case is currently subject to application for permission to appeal to Court of Appeal

Hi DM, Just had a quick look. As you say, if they had the original why not just photocopy it! I'll reply in more depth when I'm on my other pc with all my refs and templates, as on my laptop at moment. Elsa x