No this dosnt show on my credit referance files So should I just ignore them now? They have said that they have requested statements from the original creditor to show how the balance they have requested is made up. what should I do if they send them?

It was a joint current account that 11 years ago when I got divorced I initially didnt get my name taken off and just left to ex husband. he got it in to a really mess, overdrawn charges etc. Then started getting demand letters as they were holding me joint responsible as my name was still on there. Went in to sort it out and from memory they closed the account down and spilt the debt between us and we each had to pay back, I had a payment arragement with one company and always paid religously then it was taken over by CL finance and alway paid them religiously. Until at least 3 years ago and I forgot for some reason and then not made a paymet since and not heard anything about it until now. I sent Lowell a CCR and recieved a letter back from then saying That they refer me to Section 74(b) whereby any requirement to supply a copy of the agreemnet is exempt for current bank accounts However they have requested statements from the

Hi I have received a letter from these saying That my outstanding account with HSBC was sold to them and that they will be recovering what I owe and I need to contact them to arrange payment. Thing is this debt is at least 10 years old, It is not listed on my Credit Referance File and I havent made any payments on it for at least 3 years. It was with CL finance and I was paying them £5 month, then I missed a payment and never heard anything from them for 3 years. Then received letter today from Lowells. Any advice?

Just recieved the following letter from Exeter County Court Take Notice that the Hearing will take place on 8 November 07 @ 10am at Torquay County Court. when you should attend 5 Minutes has been allowed for the hearing please note: this case may be released to another judge, possibly at a different Court. Please help 1 Why have i got a hearing when I ticked the without a hearing box on the application notice? 2. Do i have to go to torquay as that is about a 3 hour drive from me? any help would be good thanks

sent in N244 to apply to get stay lifted recievied reply from court Notice iof Transfer of Proceedings To all Parties As a result of an order made on 1st October 07, this clsim has been transferred to the Exeter County Court. On receipt the file will be referred to a procedural judge who will give directions for the management of this case. why has this happened?

Recieved note saying from HM Treasury saying that the Private Secretary acknowledges receipt of the letter I sent via Nick Harvey MP for north devon

Emailed Nick Harvey MP for North Devon on 13th August Recieived thisnreply today Further to yor email of 13th August I fully agree that this is a far from ideal situation. I can see why the FSA instigated the waiver in light of the OFT test court case against the major banks right to levy charges, but has not fully considered the implications. I am well aware that there has been a growing consumer campaign against exessive bank charges with some notable successes in the courts. However as you rightly point ot individuals should not have to take recourse to the courts to get their cases resolved. if the OFT wins the test case i could lead to hundreds of millions of pounds in bank charges being retuned to customers. However, my concern is that if the banks win it could bring the issue to a close and protect the banks' right to lefty hefty charges on people who go into unauthorised overdraft, thereby compounding their problems. I shall raise this matter with the Alistair Darling, the new chancellor of the Exchequer to see what the government proposes to do about this matter. Please rest assured that once I have his response I will be back in touch.

Can i apply to have this stay lifted? as it was ordered by the court? and do i just send the N244 form to the court? is there a fee to do this

recieved letter from Barnstaple court yesterday before District Judge Read sitting at Barnstaple county court it is orderd that upon reading this file and upon it appearing that the issues in this case are to be considered in litigation currently before the commercial court 92007 folio 1196) it is ordered that 1. the claim be stayed with immediate effect pending the ultimate determination of the commercial court litigation 2. permission to apply to lift the stay. any application shall (i)be made on notice to all other parties (ii)include reasons why this claim should proceed before the ultimate determination of the commercial court litigation and (iii) shall be reserved to the designated civil judge(unless specifically released by him) 3. unless the court has given directions in the meantime, the defendant shal upon notice to the caimant apply for directions within 3 months of the ultimate determination of the commercial court litigation. so do i now send in the request to have the stay lifted??? Also as the bank didnt send in their AQ in time which was 28th june and court said that if the hadnt sent it in by 1st august i could request judgement which i did on the 2nd August. do i mention that in the request to lift the stay? please help im confused

Barnstaple court have stayed my claim

Phoned the court today to follow up my request for Judgement and they said that the bank has applied for a stay. can they do this when they have failed to send in the AQ? what should i do now or do i just have to wait????

Thanks Zoot

I decided to claim back my credit card charges, so sent off SAR to Lloyds and 40 days have passed and no statements. Is there a follow up non complience letter to the SAR as i cant seam to find it?

ive got no idea what it is for or who they are?

sent back my request for judgement today how long does this normally take??