oh your a darling, such a relief to have a reply. Have i posted my documents in the wrong format?

polly, who the hell are you , youre really mad. or debtors have driven you up it.

okay, im probably representing myself here arent I? well that wont be the first time

how seriously do you take your role here. we people are probably next step before the samaritans. I personally feel like falling on my sword. LOTS OF LOVE

posted up relevant stuff whether in correct format, not sure. let me know looks a bit small to read.

d'you ever catch anyone on here before they hang themselves, that'd be a coup wouldn't it?

probably posted my documents all wrong. flipping heck

well I dont know if anyone can decipher that lot. Im a journalist of the old school, i can type with two fingers but I never really knew what happend to it when i sent it off.

Better copies later on in thread

Better copies further on in the thread.

Thanks Timsta, feeling a bit lonesome here.

In addition to the above, looking back on my HSBC statements, I notice there are quite a few charges. Who do I send an SAR to HSBC, HFC or the solicitors. As I've already been county courted can I still claim the charges back? What should I do next. I'm in court on 11th Jan and am getting worried that i'm not going to be properly prepared. Help, anyone!

Hello No reply yet from Weightmans or HFC regarding request and Royal Mail tracking can't tell me its been signed for yet. Should I send off another letter Special Delivery (sent last one recorded). Also, noticed in a letter from Weightmans when they first wrote that they refer to 'your agreement with HFC Bank' which of course I never had, the original agreement was with HSBC. HSBC did send me a notice of default in February 2007 but the next thing I knew Weightmans wrote to tell me they'd 'been instructed by HFC Bank Limited in relation to your account.' I know HSBC own HFC but it seems a bit iffy to me. I'm putting together a letter for the court in my defence. The reason they give for wanting a charging order is that it will take too long to pay off at current rate. However, I've just increased my repayments to all my creditors by 150 pounds a month, but can't increase HFC because of the CCJ. They've also added 917 pounds in 'solicitors costs and admin' and 410 court costs for the county court proceeding which they initiated. Are they not creating the situation they're appealing against? Any help drafting this letter to the court would be greatly appreciated. I have the Application Notice scanned and the original Judgement if anyone could help. Thanks

The ajccounts are credit cards, the company is Payplan who are dealing with all of my creditors (eight in all).

Hi gizmo Payplan is managing my DMP. I'm sorry, I don't understand the question about the original arrangement. Thanks for your input.

Does anyone have any experience of getting creditors to freeze interest? I know its their right to keep charging interest but my debt to Mint, after 2 years of paying through a dmp is bigger than before it started. And Halifax, who froze the interest for a year and a half have now reinstated it, as well as a 'late fee' which they tell me will be added to my account every month. I'm never going to get out of debt at this rate even though I've just increased repayments at a recent review. I've written to the Halifax asking them to reconsider. Anyone have any suggestions?

Thanks all, sent off amendment.

Hi Jules, is that right if you already been ccj'd its pointless asking for CCA? I'm in same spot as Benson but just about to ask for CCA.

Thanks a lot Edz, that's going off recorded today, and I'll keep you posted.

I'm sending the following to the solicitors tomorrow. Is it sufficient? Personal details are marked BLANK. Thanks. REQUEST FOR INFORMATION UNDER PART 18 OF THE CIVIL PROCEDURE RULES Dear Sirs Account No: BLANK County Court Claim No: BLANK Regarding the above, please be so kind as to send me a copy of the executed CCA under which you are claiming. Would you also provide proof that you are the ‘creditor’ as defined by S189 (1) of the CCA 1974. I look forward to your response. Yours faithfully

Good point, can you answer that Edz11? Does the DOA still count, my credit agreement is withHSBC rather than HFC, even though they are part of the same group (I have a feeling HSBC didn't own HFC when I signed the agreement). If the DOA does count, pardon my ignorance, but how do I effect a Part 18 request. Very grateful for you input.