I would speak to the builders to get contact details for CPS Energy and call them. They should provide you with the details otherwise you can seek advice from OFGEM.

Unclebulgaria67, Thanks for the assistance. I don't remember seeing any paperwork that the debt will be assigned to Lowell but I will check. We had a secured loan that we paid off and then applied for the unsecured loan. I've advised my wife to speak to Lowell and see if they are happy for a set aside so that we can discuss the situation amicably rather than going to court. I will advise he to make a payment of £XXX.XX/month however Lowell wanted a completed I&E form to assess the situation and don't know whether this will lead to a positive outcome. Any ideas?

CitizenB, The person that delivered the letter handed it over to my wife with only the name on the envelope and was dated 28th June on the paperwork. If the paperwork were delivered on the 6th July, does that mean I have until the 25th July to apply for the set aside.

Silverfox, When they make you bankrupt can they force you to sell the house. We had a loan secured loan with PPI on it a couple of years ago, do you think it will be wise to pursue a counter claim to offset against the claim, and when you count the 18days does that include weekend.

Hi, The debt was a unsecured loan for £3950 however I think there will be charges on it.

Hi, Anyone able to advise please?

Thanks ims21

Hi everyone My wife received the demand the 6th July when someone knocked the door. He left her with the demand which was issued on 28 June and it had an 8 day delay. She rang them early the following week to find out whether she can pay by instalments as she only managed to find a part time job after 2 years following the birth of our second child. She hasn't made any payments since late 2009/2010 and Lowell advised her to fill out an income and expenditure form to assess the situation. I need advice to tackle the problem as we know we owe the money but need time to clear the balance. Any advice would be greatly appreciated

Paydaypayback I also had a default added on my credit file, but the interesting thing is that they never bothered advising me that I owed an outstanding balance. I rang them last year and they said that I didn't owe anything. I spoke to Experian who advised me that they sent the information through in October, so they are a slimey bunch.

All It's been a while since the last update. I have to submit my defence and allocation questionnaire tomorrow, and was wondering whether I can apply for any late payment or charges to be refunded. I know it's late, but that will definitely offset the whole claim especially if the account was opened pre 2000. They have sent an agreement, 3 statements, invalid DN, income/expenditure form and covering note to request withdrawal of our defence and speedy payment. The only thing I have against them is an invalid DN and they say that they are only acting on behalf of the creditor, but the creditor's customer service referred us back to Lewis Group, so potentially NoA issue as well. Any speedy resolutions always appreciated.

All I received another claim pack from Northampton County Court who transferred the case to my local court, and included a Small Claims Mediation Service leaflet with the pack. I submitted my embarrassed defense on 5th June and Howard hasn't responded to court till 12th July, which really take a mickey out of the situation. They haven't sent me any documentation that I requested and wonder whether it will be wise to attend any mediation. Can anyone elaborate if they were in a similar situation with Howard? I have till 29th July to reply to court and wonder if there is anything else I can do to get some proof from Howard, and my partner received another statement from Santander during June.

Anyone able to advice on defence which I have to submit on Monday please? I haven't received any correspondence from Howard which was due on Wednesday

Thanks again, I sent the request on the 25th and today their 7 days are up and haven't received anything from them but I will check tomorrow. I rang the court as well and they said that we have till the 6th to submit our defence in, but I will need assistance with the defence though.

Satterthwaite, thanks for the reply. The POC stated ' The claimant claim is the the sum of XXX being monies due from the Defendant to the Claimant under a regulated credit agreement made in writing under reference XXXXXXXXXXXXXXXXXX. The Defendant has failed to make payment in accordance with the terms of the agreement and a default notice has been served upon the Defendant pursuant to Section 87(1) of the Consumer Credit Act 1974. The Claimant claims the sum of XXXX.' I know I am making an issue of this but there are no default notice and I will wait the their reply to my CPR request. The other thing I wanted to point out is that they haven't requested for their insterest to be added to the final amount which they normally do? Are they allowed to make a claim when we received a statement from Santander in April, and the biggest issue is that Santander added a Default notice with the Experian in March, which is why I'm frustated by the whole thing.

Anyone able to advise please?

I have been busy reading other threads and sent an acknowledge of service back to the court on 20th and have till 6th June to submit a defence. Ive sent a CPR 31 request to Howard on 25th and just wanted some Advice before proceeding with the defence?

Thanks again. Will ring Howard tomorrow and request that info.

Thanks Gaston, I will double check with the court tomorrow, but I definitely sure that Santander didnt sent out the Default notice. If I apply for an acknowledgement of service, how quickly should that be done after filling out the defence form and what are the best way to request for more info, e.g credit agreement and default notice with account payments?

Hi all I have to deal with this massive task of hopefully avoiding a CCJ being added to my wife's credit file. Howard Cohen acting on behalf of Santander issued a claim via Northampton County Court on the 3rd May which we received on the 6th, following non payment on the account. My wife was ill during this period and recovering, thus I decided to take care of this issue. I checked the post and we haven't received any default notice which had a default added on her credit file and the account has had charges levied on due to non payment, but I need to know how long I've got to sort this mess out. If we received it on the 6th, how many days do we have to respond and get more information from Howard? I will ring the court tomorrow to check about the deadline, but any urgent assistance will be appreciated.

Hi Coledog and Sillygirl1 I have received a couple of letters with the usual blah blah but there were no mention of a default being added to the account. The original creditor (payday company) never sent me a default notice either, but I want to know whether they have to follow the same regulation (CCA 1974) before their add a default notice on your credit file. The payday company was aware of my sickness and when I rang them to clear the account they advised me to contact Mackenzie who already defaulted me, and being frustated due to default, I reckon they they haven't followed the correct procedure. I will send Mackenzie a letter tomorrow Thanks

Hi I need assistance with the abovementioned company, as I received a default on my credit file by them that I would like to remove. They own a debt from a payday company who never send me a default notice or notification that they would pass the debt over to these clowns. Are they allowed to default you without following the correct procedure of the CCA 1974? Secondly, during this time I was poorly which i notified the payday and when I rang up after my sickness spell, only then was I notified. Thanks Protester

I didn't understand your previous comment, can you pls clarify Thanks

Dx100uk

Also she last made a payments back in 2008. Thanks again:)

Dx100uk It was submitted by Lowell on 25/05/2008 and is was updated till 06/12/2009. Thanks