I would just sit on it for a while DMD.

Mr Barclaycard can you explain your reasons for joining CAG and how you can help, or do we need to supply a signature first?

I think what we’re asking is was the judge’s interpretation and acceptance of that letter as termination correct.

Well, I would like you to back that up showing me how the behaviour of the creditor in removing PH's right to make repayments as per the agreement, was not a breach of the agreement I would also like you to show how issuing a termination notice, and demanding sums not yet due were also not breaches of the CCA (and possible the contract as the contract also states they cannot terminate or demand unless a 'proper notice' is served which one could take to be a notice complying with the relevant Law regulating the said agreement)

Salesmen are perhaps more pushy but researchers tend to (with a bit of persuasion) take a no, especially if you explicitly say so. It's MRS mainly, like I said, the company can lose their MRS association if they break the code of conduct, and they won't want that, also a lot of researchers are either employed casually or self-employed so simply wouldn't get work if they were breaking the rules. In these cases a simple no will usually be fine. The issue of sales masquerading as market research is different but don't forget any genuine research is confidential (MRS rules) and any genuine research agency would mention the MRS so you can check wh

Have now received Notice of Hearing (31st May) in my local County Court at 2pm for the Defendant's Application to set aside the Judgement dated 22 February. Apparently 30 mins have been allowed for the hearing and parties should file and serve statements at least 5 days before the hearing. I've emailed the court asking what that last actually means, but I'll ask here as well. In the meantime, still haven't received anything back regarding the SAR, but in all honesty I'm not expecting to either, certainly not in time. Unfortunately, this isn't something I can allow to go on for much longer past 31st March owing to some extreme heal

On 19th Feb I Chased for a reply to my letter of December. "We'll be in touch soon", they said. Almost another 3 weeks have passed since then... What a shambles of an organisation. I have been waiting almost 3 months for a reply to my letter.

The CAB should be able to help up to a point - if HFC want to enforce the decree, they will have to have it rubber stamped in a court in England. English law applies here as you live in England. Scottish court decrees have no more validity in England than English CCJ's have in Scotland - they just have to figure out how to make them enforceable in different jurisdictions. Go on to the Scottish courts website and look up Time to pay orders - the same as a time to pay direction, but applies after decree is granted. print one off and I think there is also help on how to complete it. You might have to pho

The interim charge itself can be applied for with no info being sent to the judgment debtor. They will then get sent two notifications; one from the Land Registry alerting them to the restriction and also one from the court with the final charge hearing date. The Mercantile argument is certainly strong enough as it reinforces s86(1) of the County Courts Act 1984 which states that this type of action shouldn't be allowed by a court if the instalments on the judgment are up-to-date. It will, however, ONLY work if the instalments are in place BEFORE the CO application is made.

Kate Send me a PM with an email address to send a file, and I will send you a calculator that does everything for you.

Instead of waiting in tomorrow for the dreaded knock on the door - if they come at all, bailiffs and timekeeping do not go together, you should instead see if you can go to one of the City Council Welfare Rights Offices - had a look at your Council website and there does appear to be quite a few of them. They should be able to help steer you in the right direction as to what you may or may not have claimed at the time. You will of course have to treat your home as Fort Knox to be on the safe side. The Bailiff when he calls can be very intimidating and may utter all sorts of threats - breaking in, having you arrested, having you imprisone