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  1. Apologies just tried inserting an image but it was way too small. How do you insert a pdf?
  2. I have an ongoing case with HC/CL/GE cards. To cut a very long story short. Had a burtons card, was in the process of seeking charges back, lost job, couldnt keep up payments, account passed to CL who issued a claim. Put in a defence been to court twice now have to put in skeleton arguement, case comes up beginning of next month. CL never contacted me ntil they issued a claim. POC was the standard HC claim, though referring to the infamous clause 7 stated they were claiming 0% interest, so a red herring on that one. I have a number of issues that i would clarifying if possible p
  3. For the time being yes. Compared to some of the issues we are dealing with this is trivia and low priority. So for the time being it is out of the way until we decide to tackle it properly , like i say we have far more serious issues to deal with at the moment. Cheers.
  4. An interesting little visit to the court last week. The consent order we didnt feel like complying with so amended it to our taste. Nice try but we weren't ever likely to sign up to soemthing that would of immediately put us in breach of the order, Cohen's you really have to get up a lot earlier in the day to catch us out on that sort of thing!! Cohen's had been sent a copy in advance and hadnt written to us regarding it so we took it as being satisfactory. Cohen's of course were a no show, so the order was rubber stamped there and then done and dusted in less than ten minutes. Now w
  5. Well a very interesting development today. HC have been in touch by phone i wont go into details as i am issuing a telephone harrassment complaint. However the person takign the tyelepphone call was left a number to call 01274853896. I rang the number: Howard Cohen Solicitors can i have a reference number. Dont have one to hand Can i have a post code then Yes We have no record of having phoned you today. Who am i speaking to Damiean Damiean Yes Whats your surname Hussain Damiean John Hussain Yes And this is definately Howard Cohen SOlititors Yes.
  6. Cheers for the obs. No default has ever been received from anyone (until now). And in the last few minutes HC have been in touch (now they are subject to a complaint to ofcom for telephone harrassment). And have a gander at my thread as somethign very interestign has popped out of the woodwork.
  7. The defence was an embarrassed defence for the normal HC/ CL non compliance with SAR, CCA and CPR requests. My take on this this woudl be pretty much standard, is the Agreement enforceable, No NOA served no default notice served etc. In any case the account would include penalty charges etc pretty identical to my other thread. I wonder why they go through the motions of court claim then try and avoid a hearing so late in the day, tiem is getting on with this so i'm not too keen on accpeting the order just fo rthe sake of keeping it out of court. Any thoughts on defective documents etc
  8. Thanks for the reply. Here is a scanned copy of the consent order. This one applies ot my other half, i have my own dealings with HC on a different thread they are two seperate issues.
  9. My other half has had a county court claim issued agianst her by our friend HC via CL Finance for a frasercard. A embarressed defence was submitted and a date set for a hearing on the 3RD September. Today we have received a response to the CPR requests. Bundle now suddenly offers a consent order. leter states as folows: Further to your Defence the content of which we note, Please find enclosed a copy Agreement, Statements of Account, and Notice of Assignment and Defualt Notice. We can confirm our records show that you were making paymentf of £1.00 per month. In an effort to brin
  10. Anyoen got any thoughts on this one? Please.
  11. Here is the content of the supposed default notice if anyone woudl care to point out any errors in the script. DEFAULT NOTICE. Served under Section 87 (1) of the consumer Credit Act 1974 xx.xx.08 IMPORTANT YOU SHOULD READ THIS CAREFULLY. Your Running Account Credit Agreement Number xxxxxxxxxxxxxxxx. We are required by law to send this notice to you before we can demand payment of the balance outstanding on your account. You are in breach of the “Payments” clause
  12. HC have decided in thier wisdom to ressurect this one as a bundle of joy arrived on my doorstep thsi morning. Included in the bundle was a witness statement, copies of statements from 2004 to Dec 2008, copy of the notice of assignment, copy of the original agreement nd supposedly a copy of a default notice. I will copy the statement word for word: I. DJH (full names were given) of CL Finance Ltd, R/O Kingston House, Woodhead Road, Birstall, Bately, WF17 9TD will say as follows: 1. I am a Collectiosn Officer fo CL Finance Ltd, and i am authorised by the claimant to make this state
  13. Its been a while now and absolutely nothing. Why do i get the feeling HC are going nowhere with this one.......
  14. Seems to be thier standard response of late. No doubt caggers well up on this subject will be abel to best advise you on what if anything to do with this. I had exactly the same response from them, i didnt need thier generous offer of 14 days to submit my defence as i stuck to the timescales and submitted an embarrassed defence in before the letter landed.
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