Hi Personally I'd sit tight and keep quiet. They will find it very difficult to get near a court in six weeks even of they took the unlikely step of trying. If they were really bothered about collecting this debt, the OC would have been on to it a lot sooner. Looks like another lemon that Lowells have bought. Just for your info, Lowell have bought a whole bunch of debts recently that are either Stat Barred, close to being Stat Barred or are made up of unlawful charges and/or PPI Regards ims

Hi MASAMP8 Funny you should say that and not wishing to disagree with the excellent advice offered as always by ims21, but I have exactly such a complaint being investigated at the moment by the FOS.............and my charges were applied to the account which serviced the loan, not the loan account itself. According to the FOS redress guidelines charges incurred because of the increased amounts charged because of the application of PPI are reclaimable, although I would say from my own experience the banks are very reluctant to admit to this and the FOS can be difficult to persuade to follow their own guidelines...........but it's definit

If they want you to do that initially Id remind them that currently government fuel allowance guidelines are at 45p a mile. So tell them youll be charging them £113.40 for each trip if they really want to make you do it and see how quickly they back off...............

Hi spam, sorry to hear that you lost in the DJ lottery, [problem] seem to be on first name terms with most DJs! I don't know which is worse, having an obviously biased judge or one who tells you how knowledgeable you are BUT THE BALANCE OF PROBABILITIES............. Each court/judicial district should have a dedicated consumer credit judge, that way the law could be upheld for both parties (I will now step off my soap box)

Good job someone is keeping an eye on me

You would only need to amend your defence if the docs they sent made your defence no longer valid. However if they didn't send the docs needed to prove your claim why would you need to amend? As andy says, you should have had the WS earlier. Make sure that the judge is aware of this. As a litigant in person they have put you at a disadvantage so if you feel the need you could even ask for an adjournment so that you can consider what it says, and if you believe it's necessary amend your defence. Re-reading their POC, and your defence do you believe that what you said in your defence still stands? Come on Spam - you can do t

Hi Spamalot, In a similar situation as you so lots of LUCK for tomorrow! Personally I would print off the e - mail you received as it will have the date and time of when they sent you their skeleton argument. Surely they have to do this at least a week before the hearing? Tthat would be one further thing to show the judge anyway - no doubt you'll have other examples of their poor behaviour to mention too. Finally, have you delivered your statement of costs? That should be done before the hearing, one for the court and one copy for the claimant. Play them at their own game! BAE

But of course you did, we all do, its the first thing on our minds when we ring to activate. PS they have backed down on all claims i have assisted with and settled. Andy

Yes no letters from you, the default date is often some months after the ''cause of action'' (the last payment). so statute barred date may be much earlier than default, last payment may show on some credit files particularly Equifax.

The Attendance allowance also stops non dependent deductions from being taken from council tax benefit.

Silly sods. PM sent.

Yes fill in the acknowledgement of service, and tick the box that says you wish to defend the whole of the claim. This will give you 28 days to submit a full defence, which will obviously be that your partner can prove he was elsewhere at the material time, and couldn't therefore have entered into any contract relating to parking at Aintree. He can only get a CCJ if they a) take the claim all the way to a hearing (unlikely); b) win the case (extremely unlikely); and c) he doesn't pay the judgment within 21 days. There's more chance of Shergar winning next year's Grand National ridden by Lord Lucan.

I should get over to PePiPoo and flag up this matter there. People on there have experience of previous cases from these solicitors and this hospital.

Send a resume of everything that has happened (as you have told us) and copies of those letters and document to OFT. I would also write back to HFO and inform them that the account is still in dispute as they have sent you an illegible pre approval application form devoid of Terms and Conditions and this does not fulfil your request under s78. Send recorded etc. When did you last pay HFO anything?

FAO Polly Ashford, OFT, Fleet Bank House, 2-6 Salisbury Square, London, EC4 8JX.

Who claims to own this debt? Is it HFO Capital Ltd, from Dublin? You need to tell us more about when they claim to have bought the account. It would have been probably in 2007 or 2008. Tell us all you can.

This is by far the most important thing - if they know what really happened then it doesn't matter (for now at least) how the former employer tries to dress it up. Nevertheless clearing your name should continue to be your goal and it appears that you are doing everything correctly. On what basis have you been signed off sick? Stress? In theory at least they could fast track the Grievance OR if the Grievance relates directly to the Disciplinary then they could deal with both simultaneously to try and conclude the process before your leaving date. HOWEVER, this is fraught with potential problems (for them) as to deal with the process(es)

Hi Spotpoppy and welcome to Cag Complete and utter mind numbing nonsense.Is the debt in your name only if so they are whistling up the wrong street, the best they would get is a restriction on 50% (your share) of the property,if they get a CCJ and if they get a Forthwith. Send them a section 77/78 request lets see if they change their attitude. Regards Andy