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Sorry, they are my dad's files, I'll get him to put them into PDF and actually cover them! Edited: Added PDF files now

Sorry for the delay, here's the files minus details

Hi, after some advice and investigation on the Which website, we discovered that there's been some issues around self-certified mortgages. We sent a letter to GE Money using the template letter - I'll attach this. We've now had a response that GE Money didn't sell the loan, The Personal Loan Express Limited did and they are no longer trading, so we should contact their administrators. They then go onto say that the issue is 'time barred' because the loan was taken out over six years ago. Then finally they say the complaint is closed and to refer to the Finance and Leasing Association if we're unsatisfied and not to contact the Financial Ombudsman because it is outside their jurisdiction. They also sent a copy of the original credit agreement, which I will also attach. Any advice of next steps to take would be hugely appreciated. The loan was taken out to consolidate debts but there was no checks done on my father's income which now due to ill health is non existant and no checks to ensure that it covered all the debts to be affordable.

I haven't, I will do that when I get home.

N150 filed for reading. Still nothing from anyone

Will do, thanks

Okay, will keep an eye out for it. Not heard a thing.

We received acknowledgement of defence, dated 13th January.

Thanks GH, I'm trying to bring him up to speed as well as learning myself. The aim of this for us was never a "write-off" - just us paying back the amount borrowed without their ridiculous charges/fees/interest. So anything under S140(b) that addressed that would be a win for us.

Wasn't a negative reflection on anyone, just a bit concerned that there seems to be confliction.

My father did it on Tuesday, he didn't think it needed further checking. Am a bit worried now...

Invalid Default Notice would be best but default isn't really a problem as he has a few on record.

Thanks nick, can you answer the questions on post 86 too please

4: Without prejudice to the generality of the Defendant’s contentions set out at paragraph 1, the Defendant avers the Claimant terminated the agreement and pursuant to termination that the Claimant has since made demand of the Defendant for the payment of money the subject of this claim. Is this the correct word? Is the amount including the solicitors fees / court fees on MCOL or the amount on the Claim Form?

Where is best to put that in? Could someone word it for me please?

Yes, let's go for holding defence, can you assist with editing the above pasted defence please.

Is holding defence what I've posted above?

Date was checked, happened to be the same as the other OP.

Isn't the defence the document Nick posted?

Nick - On the draft statement, under 24 - what date should this be? Should a holding defence be a different statement then?

They said to enter the defence and it will be transferred automatically.

Ringing the court now with the questions, will update when finished...

The date was the 14th December, so that gives until 16th January - Saturday, if I've counted correctly.

The information given is correct. My father is phoning the local court this PM, as we are both at work currently. I will ask the question and post reply from them ASAP - this will dictact how we proceed, I assume.