Hi Mission24, I am getting on fine. Creation Finance were supposed to deliver docs to court by the 18th Dec, with copies to me, plus an original agreement and a legible terms and conditions. I haven't received anything as yet. The courts have set a hearing date for the 19 February 2010. As creation's legal department have not compiled with the courts request (as far as I know), I will be sending in a form to have it struck out. I will have to do all this after Christmas as I am too busy getting ready for christmas now. hope all goes well with you, have a good christmas and New Year. Best Wishes Lakey02

Hi, I am going through a very similar thing with Creation Finance. My court case was on 19/11/09 and I had put a defence in, not using any templates, just stating the facts about my predicament at the time. It was true so why should I not just see what the courts said. I had qriginally offered a settlement figure in July 2007, but they wouldn't have it and drew the whole saga out until now, adding over £1000 in charges and costs, not to mention a default on my credit file!! I received their witness statements at %pm via email the night before court and it was 80 pages long. I sat up until 1.30am. I had made my notes and questions for the claimant, who stated in the witness statement that they would not be in court, so I thought that would go against them. Anyway, to cut a long story short they did have an advocate there and we went before the judge. It was all very informal and he explained what was going to happen. He read out some "stuff" I just stuck to the facts and mentioned about my financial situation to to a business partnership of my husbands going wrong, which left us with no money. The advocate started on about the terms and conditions, which I couldn't read and I told the Judge this. he couldn't read them either. She tried to get amother copy. The Judge said I was sort of changing my defence. I said not really as my statement of truth still stood, it was them who were quoting T & C's and I wasn't able to read them. He was really nice and he adjournedthe case and said that they had to produce the true copy of T&C and I could amend my defence if I thought it was "unfair". He told me to seek legal advice( which I cant afford) and I have hunted all over the forum and have put my defence in today. I have admitted in part some of the debt, but have said that the way in which they had conducted my account was grossly unfair. I mentioned the consumer regulations. They said I had ignored their correspondence, but I have letter from them saying thank you for contacting us about your account. I believe that the courts are there to help and if they see that I owe creation money, they will make an arrangement for me to pay, which is what I had asked Creation to do in the first place. Their advocate wanted to apply cost to me for the hearing and for the next hearing both at £280 and the judge said "NO" I am not sure they will take it as far as the next hearing, I hope not!! In your defence, be as honest as you can and send any letters you have. I will keep you posted on my case. Hope all this makes sense!!