thanks, got it sorted

i think im being a bit thick... it just says value in tha last two columns....

thanks, will give it a go

Thanks for ur reply, i paid it off within 35 payments, i paid in total to them 7486.38, no early settlement figure

Hi Guys Im absolutely rubbish at maths, but im in the process of reclaiming PPI from TFC from a car which was paid off in 2006. Can somebody help me with the maths as its looks complicated... cash price: 4432.00 cash deposit: 500.00 amount of credit : 3932.00 HP charge: 2888.80 documentation fee: 50.00 option to purchase fee: 50.00 APR 42.1% balance 6920.8 total: 7420.80 PPI 314.56 interest (total charge for credit) 231.02 total: 545.58 payable 42 monthly payments of 12.99 at 40.5% it was taken out 6.6.2003 and paid off 30.1.2006 Many thanks!!!

Hi, Do we have an update on this? as im embarking on the same with TFC, thanks!

:-D I WON! Received a 'notice of discontinuance of proceedings' from Bryan Carter! They didnt even put any kisses on it! Thanks to you all for your help xx

thanks Nicklea x

Hi Guys Update.. I got the CCJ setaside, so waiting on round two, if they respond? No-one turned up from the oppostition?

Thanks Unitedfront for your thorough reply, its much appreciated. Im sure youve had a look through this thread as it it got quite confusing for many of us, especially me. I would take two copies of the following to court, one for you and, just in case, one for the judge: 1) Copy of the claim form you received. I can do that, as I have that 2) Copy of the CPR Request you sent to Carter. I havent sent a CPR request to them as I wasnt advised to do so, I dont think I could get one to them and back before the hearing, any suggestions? 3) Copy of the Judgment in Default. ?? Sorry, I dont know what this is? 4) Copy of the N244 you filed with the court. Basically all I put on this was that I didnt feel I had enough time to produce a defense and added the previous defense that is two posts ago The basic rule is that a judgment in default may be set aside if you can show that you had a reasonable chance of a successful defense. I'm not sure what else you can take with you, to be honest. What you must do, however, is get your head around the terms because at the moment you're getting them somewhat confused. In this hearing that you will attend, you are the applicant. You are applying to have a judgment in default set aside. Carter etc are the respondent. You are not using a defense in this hearing. Because as above, you are not a defendant in this hearing. At this point in time, with all the paperwork submitted and the hearing listed, I think you just have to go in and see what happens. If you have a decent judge you may be ok, if not you wont. Are you aware if Carter etc have responded to your application to set aside in any way? I havent heard a thing from Carter. I appreciate you adding this about what may happen at the hearing as I didnt know what to expect. Would you start a CPR? I didnt do it as i wasnt advised to or have i missed it in this thread?. The root of the issue is, I think this debt is statute barred anyway. On the claim form from Carter they said they were supplying goods as late as 2009, which is certainly not the truth, plus I have never had goods from Phoenix/carter. When i moved house I immediately got the cliam form from carter, i then acknowledged it online, I then was waiting on advice was ill etc. couldnt get online as the HMRC wouldnt let me on, posted my defence which went amiss, then they were awarded the claim as i missed the deadline. Hope you can advise further unitedfront. B x

Hi Guys I have had no response at all from Bryan C or phoenix regarding getting this set aside, no paperwork or anything? Unitedfront, if you wouldnt mind having a look at my thread in 'legal issues' theres my defence etc in there, I did send in the form etc so now I await a meeting at the county court. Many thanks for your help B x

The defendant has no knowledge of entering into any form of purchase agreement with the claimant and is embarrassed by the lack of detail supplied within the claim. Having no knowledge of any sales/purchase agreement for "goods" supplied and delivered to the defendant by the claimant the claimant is unable to either admit or deny anything which is not expressly denied within this defence. 1) The defendant denies ever purchasing goods from the claimant. 2) The defendant denies ever receiving goods from the claimant. 3) The defendant puts the claimant to strict proof of the following: (i) That the defendant purchased goods from the claimant. (ii) The date(s) of any such alleged purchases. (iii) The delivery times of these alleged purchases. (iv) The delivery addresses of these alleged purchases. (v) Proof of a purchase/sales contract between the defendant and the claimant. Prima facie the Claimant knows or ought to know that there is no contract between the Defendant and the Claimant for the supply of goods as pleaded, therefore the Claimants claim is speculative and furthermore amounts to an absolute abuse of the process. Accordingly the Defendant avers the Claim ought to be struck out as an abuse as the Claimant holds no cause of action and therefore the Claimants conduct is unreasonable in bring a claim without foundation. The Defendant seeks the Claimants claim to be dismissed with an order as to costs thrown away in favour of the Defendant. This is the defence that I am using, can anyone help?? please?? B x

Hi Nicklea Thanks for your response. I have used the defence on this thread as not only is this possibly statute barred when they went for this, I havent had much communication from them with the exception of sticking in the ccj when i moved adresses. Hope that makes sense? b x

Hi I have a thread in 'legal issues' but havent had any response so I hope you dont mind me starting a thread in here? Im in court shortly, to get a CCJ set aside, can anyone give me any advice on what I should be taking in with me and what to expect? I only have the origianl CCJ claim as paperwork and dont know if I need more? My original thread is 'Pheonix [luxembourg] through brian carter issued claim form, poss sb'ed too - any advice' Many thanks, B x

Hi everyone, Update on this post: Im going into court in the next few weeks to get this set aside. Does anyone have any advice for me? Im going in empty handed as I dont know what else to prepare except for the original CCJ papers? (42man, I tried to Pm You with a question but your inbox is full ) Thanks, B x