I think the Court would understand that you are not avoiding the debt, all you want is a little bit of peace!!!

Tell them nothing. Even the Courts dont check them!!! HAK

One thing i have done with DC calls is get a sim card put it in an old mobile phone and give the DC the number. Answer it a few times then they will stop calling the house phone. After a while put it on silent and let them leave messages for ever If they call the house phone tell them you have moved away and give them the mobile number saying this is the contact you have for them!! HAK

Just thought I would knock this thread up as it great reading to any one new. Looks like a few DC are coimng away from issuing the SD and noe issuing Court Claims only to discontinue when a defence is filled!!! HAK

Well I want be visting Court this time as had a letter form Natwest Solictors telling me they want to discontinue the case as i have filled a defence...LOL

I think I may say is that I had several accounts with Nat West and I have no idea about this one. This is why I need to see the signed credit agreement with all the perscribed terms setting out the interest rate and the date the account started. (all they have is an application form with no perscribed terms and its only about 3" x6" in size as they have scanned it on to a pc) When it is blown up to A4 its unreadable.

Just bumping this one up as I will be in Court with Nat West shortly and got everything sussed apart from this question!!! HAK

Section 127 is clear. No agreement -No enforcement HAK

Haha They have actual had the bottle and started Court Proceedings on me. I think Regal credit are behind it!! They have started it in my local court and not attached the agreement to the claim. (well application form) Also POC are crap so have asked the Judge to throw it out. Was going to go for Summary Judgment but as small claims might as well let them waste money in solictiors representing it. Bottom line is no credit agreement, no original copy of the application form they will produce...Happy Days!!!

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Hi All Does anybody know the exact date when the default notice changed from 7 to 14 days... Cheers HAK

Hi All Does anybody know the exact date that a default notice went from 7 to 14 days. Cheers HAK

I know where you are coimng form car!!! HAK

Hi All Been off the site for a bit and come back to see this post is still going!!! Cant believe the judges are still shafting the debitors with there stupid rulings!! HAK

Please tell me this is for the purpose of section 78 only and not for enforement!!! HAK

Subbing....Another pain in the ass judge!!!

Hi All Does anybody know of the top of there head what section of the CCA1974 does it say the Debt Collector has to provide the credit agreement not the Original collector Cheers HAK

Can this Country get any worse!!! Somebody needs to get some Balls and deal with these so called banks!!!

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Not been on site for a while. Have you got the link to the case HAK

Well Done Herbie!!!!

We need to see the form to confirm details. You could use a digital camera to post it up HAK

Its a micrfishbe copy and unreadable. This IMHO is the best quality you will get so the ball is in your court. HAK

They still have to produce some information with the T&C of the overdraft eg APR etc... HAK

Good to see you Dave!! Youve got to admit it gets a bit boring when there are no DC to P**s off!! HAK