Thanks guys. And as if things couldnt get any worse I got 1 6 month driving ban for totting up 12 points. hey ho

Thanks. I think I get it now. I will send the defence to the court and form N9A to the claimant............please tell me I'm correct. I have also PM Laiste and waiting for a reply.

Do I need to send the above to CL Finance or to Howard Cohen & Co?

Hello again I am going to send the above to CL Finance. Do I need to request DOA and CCa also? or is it the same thing? Thanks

Ok I will try to file a defence against them. Are there standars letters for that to? Also is that against GE Capital??? In the meantime what do i do with the court proceedings? Thanks

Hi..the account is a store card and I sent the letter about two weeks ago and got the template off the site. The letter from the court arrived on Tuesday. So advice would be good as I am panic mode now. I think its because I missed a payment.

Can I have some advice please. I have an old debt that I have been struggling to pay back to GE Capital for over 6 years now. It has been passed onto a company called CL Finance. Anyway as the debt goes up and up I decided to ask them for a copy of the credit agreement. I got nothing back just a court summons and now I really don't know what to do. Can anyone help?? Thanks

Thanks for that G. Is there a letter I can use to send this back with the spread sheet?? And am I using the correct spreadsheet? Im going to use complex bank charges-calc hope this is the correct one

Help please. This is my original thread....................... Hi would like some advise on the following. Whilst a student approx 6 years ago I borrowed £2000 from NatWest and also went overdrawn on my account that is now closed. I struggled to pay them back £20.00 a month for about three years and that barely covered the interest. When i defaulted they passed onto Moorcroft to whom i pay £40 a month. After reading several threads I am now confused. It seems a lot of people ask for CCA and write off the debt or get charges back. Im confused as if I should leave it at £40.00 to Moorcorft (Interest + charges from NatWest make my debt remaining now £4104.99 and will take me 117 months to pay back) or try and get the debt reduced or written off. Some advice would be welcome. Since this thread has started I have received 100's of pages of statements for the account and the loan. Also there are statements included showing the interest added monthly and the original loan agreement unsigned. Please can someone tell me what I do now. I have the excel spreadsheet but not a clue what to put in it and what letter to accompany it with. Help greatly appreciated. Thanks lost and confused :o

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Im very confused about the statements they have sent me there are 100's of pages for the 2 seperate accounts. Therefore to do this liogically am i just looking for charges etc and not the interest? The reason I ask as there are seperate shhets for interest which shoe about £39 a month since the account Im very confused. Help appreciated

They have sent a a copy of the agreement tgoday, but it's unsigned. The excel spreadsheet looks complicated though!!!!!:o

Ok. I assume it should be a copy of a signed credit agreement?

All I have is a letter saying they will suspend the account until Natwest get back to me, which they have.

Thanks thats great. Any idea how I should deal with Moorcroft in the meantime? Thanks