DD failure £15 Returned cheque £25 Letters £10.00

It looks like my signature but is definitley slightly different to the origianal. Also the original wasny dated under the first signature there copy is. Their representives signature is also completley different.

Hi I am in court today. All paperwork had to be into the court by the 28/3/08. I received their witness statement yesterday dated 6/6/08 In it is a CCA which is a total forgery as it is completely different to my original. My case is a lack of cca by showing my original in court to prove theres is a fake am i admitting liability. The full thread is in General Debt under Wellerman Consumer Credit Ltd. Thank you for any help.

Thanks for the reply. So tomorrow in court am i going too shoot my self in the foot if I show them my original copy to show the judge the one they have sent me is a fake.

now i have had time to go through their witness statement i can see that the cca they have sent me. Which is an Open and Direct credit agreement is a forgery. I have the original and the signature is slightly different it is dated in one place where it isnt on the original and the signature on the "signed for on behalf of open and direct" is completely different

Particulars of Claim 1 By an agreement dated 29/05/2004("the agreement") the claimant lent the defendant the sum of £2,508.84 to be repaid by 1 instalment of £69.69 followed by 34 monthly instalments of 69.69 and a final payment of £69.69. 2. On the 27/09/2007 there were arrears of £1,588.49. The claimant sent the defendant a default notice pursuant to the Consumer Credit Act 1974 dated27/09/2007 requiring the arrears to be paid within 14 days. 3. The defendant failed to comply with the notice and the claimant terminated the agrement by written notice dated 11/10/2007

They have included a copy of the agreement with the witness statement. In the notice of Allocation it stated that each party shall deliver to every party and to the court office copies of all documents on which he intends to rely at the hearing no later than 28 March 2008. The witness statement that arrived today was dated the 6 June 2008. Hearing is on 10 June.

Could someone help me by reading my thread Consumer Collection and offer me some advice as I am in court tomorrow and have today received there Witness statement Many thanks

Hi urgent help required just recieved there defence today and we are in court tomorrow. They are claiming that they never received my CCA request thourg I have proof of postage and them signing for it. " If the defendant is able to prove that such a request was made and not complied with, then I would ask the court take into consideration that the defendant will have received a copy of the agreement when he receives a copy of this witness statement"

I have sent copies of My cca request, proof of postage and the Royal Mail tracking letter, to the court for the June 10 hearing. I have not recieved anything from Creation Consumer Finance so phoned the Court up today to see if they had l;odged any paperwork, but they havent. The court has told me to write in to the Judge saying they havent sent any copies of their case they are lodging to me. Does anyone know if this a tactic finance companies use or does it sound like they are not going to turn up at court.

Hi have uploaded two letters to photobucket. Its wellerman open and direct. You have to set as full screen for wording as have had to use camera as dont have scanner. The letter from the solicitors refers to a default letter dated 27 september. The letter from creation was actully sent on 26 September. There is absolutley no mention of it being a default letter. I do have a credit agreement with open and direct but have had no notification that they have changed their name to Creation.

I have recieved "Notice of Allocation to the Small Claims Track" On the letter it states I should deliver to the court and other party all documents on which I intend to use. It also says I should give a statement to be filed by March 28. Any help with this would be gratefully recieved as I am getting quite stressed by all this .

24 Jan its a written one

Hi have recieved my QA. The defence I issued in the origanal summons was basically rewording the letter to the solicitors about being in default of The CCA by not supplying me with a copy of the CCA. Struggling with the QA as basicaly I have no expert witnessess just me. The notes on completing the QA dont make the best of sense. Thanks

Help me, help me help me. Sent off defence to County court saying Consumer Credit Ltd were in breach of The CCA have now recieved a letter which is a Notice of Transfer of Proceedings, it has a location quesionnaire, managment information enclosed. Can any one help me with advice on how to fill this in and what do I do, say,when it goes to court. Many thanks to anyone who can help

cheers setmefree very helpfull

Hi oneofakind, had court summons today for 2779.15 this included court fee and solicitors costs. How do I go about defending this? Is it the cca. Getting worried now.

Hi oneofakind its now the 24 october and I havent had any reply from the finance company,do I now tell this to their solicitors

Thanks for keeping with me. The letter from greenhalghs solicitors was sent 11 october, unfortunatley I never kept the envelope. Thanks

Hi, checked with Royal Mail, they received it on the 4th two days after I posted it.

Hi sent letter as you said on October2. I hadnt heard anything until today when I recieved a letter from Greenhalgs solicitors. It is a Termination Notice. It has no account number it just says "credit agreement dated 29 May 2004 (the agreement) The letter goes on say the agreement is terminated and that the full balance under the agreement is now due, being £2,614.15. Please note all previous agreements to accept payment by instalments(through debt collection agents or otherwise) are withdrawn. All further crrespondence should be addressed to us. Court proceedings will now be issued for recovery of the full sum due together with interest and legal costs. Any ideas what I should do next? There is no reference to the letter I sent. Thanks for your help

Thanks for the reply. The original finance company was Open and Direct. This letter is from Creation Consumer Credit Ltd. There is no mention of open and direct

Hi need help with a letter recieved from consumer collection ltd. bought a sofa from Land of Leather 3 years ago on buy now pay later. Put £1500 down had £1000 on finance with Open and Direct. We had a dispute with Land of Leather and the settee had to be replaced etc by the time this was dealt with we had started the finance. We havent heard anything from them for over two years, then on Friday recieved this letter. This is a Default notice served under section 87 of the consumer credit act 1974 In order to remedy the situation you are reqired to pay the arrears before 12 October. If you do not pay the arrears as required, further action will be taken against you through the courts. The arrears are £1588.49 and the outstanding balance is £2564.15. I obviously cant pay this amount, can anyone please explain what the default notice means and what the courts will do. I have a mortgage and two loans do you think consolidating and paying this off is a bad idea and would I be able to remortgage with this default notice. Sorry for rambling

I had to sign that I was accepting that as full and final settlement but I presumed that was for that claim and surely any other claims are because the charges are still unjust.

I have sent first letter and LBA. Then this week had the letter saying about not agreeing to my claim due to charges being repaid previously in full and final settlement.