Sorry gillyskip, I wasn't suggesting that you were trying to defraud the system, I understand that Mr. and Mrs gillyskip have unquestionable integrity and a parents love for their daughter whom they wish to help. I commend your concern. The unfortunate thing is that, the previous and current governments drives to cut welfare costs is all about accusing claimants of being cheats, therefore I advised (as JonCris did) that accountability and transparency is required, otherwise HMG and the LA put you in the impossible position of proving your innocence, therefore evidence of your honesty can save you years of legal hassle and solicitors charges.

This it? N1 CPC Claim Form. Standard Northamton Bulk Issuing Centre. This is a Claim issued automatically via Northampton Court, and yes, it is valid. 3. You will need to defend, so go online and fill in the appropriate form for letting the Court know you will be sending a Defence. Send Capquest this: (As you say too late for SAR, or CCA) Send by Recorded or Special Delivery asap: REQUEST FOR INFORMATION UNDER THE Civil Procedure RULES. Dear Sir/Madam, I have received the Court claim filed by your Company. To enable me to file a defence and counter-claim, I require specific information regarding t

Here's some info on the use of Part 18. You send a letter. I do have one somewhere in my files. I will pop back later when I have found it unless someone comes up with one before then as I have "stuff" to attend to - of the domestic kind. http://www.pinsentmasons.com/PDF/RequestsforFurtherInformation.pdf This is a SAR request I have used. It's not my own original work but gleaned from other sources on here and elsewhere so apologies if anyone recognises their work. I am using it for the greater good. Brassed Off I have already changed the text to the Cabot names so just check it but you can just cut and paste. I would get this in t

Has this property been empty by any chance? you should not have to pay council tax on it if you are not living there even if you are there and are away for long periods of time http://www.adviceguide.org.uk/index/life/tax/council_tax.htm

Look near the top of the page just below the three yellow bands of colour and the thread page numbers there is a smallish box headed 'Consumer Forums Menu'. To the right of that box is an arrow tab. Click on it and voila.

Just to commend the advice of harassed senior above, excellent advice, keep the thread updated with anything your worried about on this

dont you just love the 1st credit phone drones, demand their complaints procedure and complain about the stupid woman, if they phone again, just say in writing and put the phone down, lets see them threaten rubbish in a letter. You listening 1st CRUD, sort your phone drones out

Hi, maureen. Harrassed senior has hit the nail on the head, don't let these people get to you, that is what they are trying to achive. Send the CCA request then tell us how they respond, and like I said earlier, if there are any charges on the account, you can claim these back. Regards. Scott.

http://www.lexology.com/library/results.aspx?q=loan+was++secured+on+lenders+charge&j=United+Kingdom&w=&f= have a look at the cases on the web address i have put concerning loans and charges frett see if they are usefull patrickq1

All good advice, but just a little info to put your mind at rest. Here threats are nothing short of criminal. You are paying what you can afford - if you cannot afford £21 then don't pay that much, set an amount you can manage and stick to that, a judge, should it ever end up in court, would call them time wasters - you are paying, what more do they want. Secondly, they have to have an enforceable Agreement to go anywhere near a Court, which is the reason you have been advised to send of a request for one. In the unlikely event of Cap 1 producing one, then and only then 'could' they take you to Court, bearing in mind what

Hi, I would report Worst Credit anyway as they are not following the OFT's requirements imposed on them last year. http://www.oft.gov.uk/shared_oft/press_release_attachments/1stcreditrequirements.pdf (have a look at 1.2) Anyhoo, I would SAR Cap1 not just to get the statements but also to get your account history and see if they have followed the rules