Hi All just to let you know my deffence has now gone in, please can you tell me what happens next or will the court instruct?

yay its fabulous and i cannot thank you enough:D just hope i win this one too

yes i do, thank you, what do i say that they were ill prepared? or just that they had neglected to bring my bundle to the case?

Hi Pete i have my deffence ready to go off, my main deffence is that they have breached the 40 day data acess request so i cannot agree to pay them until i establish what charges have been applied to my account and if i am entitled to get any back. it is my credit card taking me to court, but it is my current account that i have stayed at court for bank charges, i have prepared that as deffence but please let me know if i should leave it out? i have copies of all the correspondance i have sent HSBC. Can i call D&G to dicuss making payments and avoiding court at this point or is it too late? what will happen with my deffence with the judge set another case date? Many thanks again Lizz p.s really sorry for the delay i have had a virus on my laptop so haven't been able to get online

Hi Pete/Jonny thanks to your EXCELLENT help I won!!!!!!!!1 I am over the moon, the judge saw clear grounds for my defence in the fact that I had asked HSBC in Jan before it was referred to D&G for the data access request and as they didn't reply within the 40 days I lodged a complaint with the OFT. She said as I had no opportunity to confirm the full amount owed I could not agree to paying it all. She set my case aside and I now have 14days to submit a full defence! Brilliant thank you all again, only down side is the judge granted d&g to have £103 charges added to the case for her "time" d&g claimed they had not rec'd one bit of information from me not even the court bundle which cost me £11 to send! They actually looked very ill prepared and the judge commended me on putting together all the info I had, so thank you again guys Now for my new defence do I add the same bundle or do I put more too it? and can I now negotiate with HSBC to get them to accept payments through Payplan? Thanks again LOVE THIS GROUP!:D:D XXXXX

thank you so very much again i'm getting nervous now :/

Just to let you know i have posted off my bundle i think/HOPE it was ok and will let you all know how it goes, hearing is 10th July - any advice of what i should expect, any additional preperation would be very appriciated:confused: thank you all again esp Jonny:)

thank you so much i will get cracking, wish i could upload it for someone to check before i go - its scary!

Hi Jonny, thanks again for the link, but isn't that bundle for bank charges? this is the credit card taking me to court for not paying when i have been paying they have been rejecting the payments its a hearing for a set aside, so do i just apply parts of the bunddle which i deem relevent? and how will i know? i haven't looked at the link thouroughly i'm just at work taking an early lunch, i have the rest of this week off so i will make sure i get it read inside and out, sorted and sent off on Thursday Thanks Lizz

Thank you Jonny. I have the following ready for my deffence on the 10th do i need to do anything else? Proof of postage of my acknowledgemeny of origional CCJ Letters of all correspondance * making an offer * advising payplan were looking after my DMP * Asking why they would not accept my payments * Copy of hardship letter i had sent them Proof of all returned payments List of current incomings and outgoings Do i need anything else? Thanks Lizz

sorry for the terrible spelling above i was in such a hurry to post! i have clamed down and read up about the charging order, am i right in thinking i do need a deffecefor both of the above can anyone tell me what to expect at a county court? thanks again lizz

Hi everyone i have just got in and opened the post and have today recieved a letter from my local CC advising me of a date and time for a hearing of my set aside. BUT i also had a seprate letter from the loacl courts for an interim charging order - what is this? its obviosuly somehing against my property but i have a secured loan (which i ahve never missed a payment on) against the house and there is not a penny of equity can they do this? and what does it mean if they do? What do i need for me deffence for both of the above and what will happen if i loose? thanks in advance Lizz

this is excellent advice thank you so much i wish i had spent the £4.50 sending special delivery its alot cheaper then £75 boohoo thanks again everyone, once i send this off will the courts write back to be and if i get a hearing date will you all help me with a deffence? Lizz

Do i have to buy the book to get help on a set aside or is there another link which explains? thanks again i had a sleepless night last night

yes to all of the above should i still do this? it hasn't been delivered i have, have had no reply yet and i did it in Feb Thanks Lizz