Another thought! From the date of the letter admitting a Credit Agreement dosn't exist (January 2007), according to section 6b they are commiting an offence by claiming it as a default. Any thoughts appreciated.

I do have the letter saying due to the passing of time we don't have a credit agreement! When speaking to Blakes I explained about the letter I had a copy of, but she said she wasn't aware of any such letter(funny how their tone changes as well). I quoted what it said and she said since it had been to court to raise an order for sale " I should have mentioned it at the time" I think due to the legal requirement, I see the next stage as the following: Contact blakes and remind them I have paid the £2300 debt even though I don't recognise it. But enlight of the facts 42man quotes I will not be paying any of the costs and if they continue to persue the cost I will defend it, in court in July (can I do this still at this stage?). Any advice appreciated.

Right, more information. About a year ago they furnished me with a letter saying that they have lost the Creit Agreement due to the passing of time. But when they went for a final charging order in January this year, I gave in and payed the said debt of £2300 the week before the court date. They then asked the court to defer the hearing, to allow time for the £1300 costs to be payed. The six months are up in July and now a letter from the court and the represntatives for Hlcf have put a date for a hearing before a proper official in July. Is there a clear regulation I can quote as I don't mind appearing at the hearing as I if they grant a final charging order for such a small amount I will be surprised. On this occasion I would appear at court ( 1st time throughout this), Also I would hope I'm given a month or so to pay it. Regards

We havn't been given a breakdown in charges, what does CCA mean? Regards.

Help please! Hlcf were going for a final charging order earlier this year for £2300, which I paid off to stop it happening even though they don't have a copy of a credit agreement. There representatives Blake Lapthorn put a suspension in for six months to allow me to pay the £1300 costs (mostly their fees, £20 a phone call). It is due back in court in July and I don't have the money. What is the best course of action? Hlcf won't talk to me and it is £20 a time to contact them.

Hi, Anyone got any ideas, in court first week of January. Any advice apprieciated. Angelspirit

Hi, Yes taking another look, in April it was a final charging order that was raised. I have taken the template available on this site for "request for information", due to they have admitted no credit agreement is available. My thought last night was to try this! If I start making the payments and continue between now and the court case, would this not be used against me as "admitting the debt". Incidently part of me is saying go for it and if the Judge chooses to go with the claiment, what is the normal scenario, ie. does the Judge grant the sale but gives you a month to pay first. Regards Angelspirit

Help please!!! where do I stand as they have stated in writing, they don't have an agreement. Any comments appreciated. Angelspirit

Hi more info, Barclays issued a default notice on a loan (unsercured) in January 1999, in Februaury 1999 they closed the account. The last payment was to the debt recovery unit in 2002. In January 2006 they sold the debt to HLCF and Booker Management were looking after the account for them, this is when I recieved a letter stating "due to the passage of time, Barclays are unable to supply a copy of the loan agreement". In November 2006 a judgement was granted, and in April 2007 an application for a charging order and an Interim charging order was made. I contacted the HLCF at this time but they would only accept the full payment, which I wasn't in a position to do. On recieving the papers for the court hearing in January 2008 I contacted them and offered to pay £300 a month and they declined, and I have the letter stating this. The debt is £2200+ latest charges. Regards Angelspirit

Hi, Help please. HLCF are trying to get an Order For Sale against my house in the new year, after obtaining an Interim Order in January. I have found an old letter saying that due to the age of the debt the agreement has been lost by Barclays. Does this help me to fight it, if not what is the best advice available. Cheers Angelspirit