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Skins08

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  1. Hi to all and many thanks for your advice.... Hearing was this morning - lasted 2 minutes - adjourned for 28 days. That is what we wanted. Will keep you informed Thanks again
  2. Hi Sorry so late replying - just got in after a very long day working... Thanks for your responses - Here are some answers to your questions: Current value about £120,000 Outstanding (including arrears?) about £58,000 Barclays linked flexible overdraft about £8,900 I'm not sure how the Norgan bit works, but contractual minimum payment has just reduced to £316 from £409 last month and their solicitors say that if she pays £316 plus the interest on the overdraft (about £36) and a sum towards the arrears they will consider it. We are waiting for proof that she was on a fixed term of
  3. Hi everyone, I hope someone can help… A friend has had repossession proceedings started against her by Barclays/Woolwich. The hearing is set for 1st August and I’ve been helping her by writing all the letters to Woolwich and their solicitors trying to get the full picture and making offers to them. Briefly the mortgage was taken out in 2004, all payments on time until Oct 2009 when her work virtually dried up (she is self-employed). She was in touch regularly with the Woolwich - but unfortunately these contacts were all by phone and she was told as long as she made the effort to pay someth
  4. Subbing with interest! Have you heard anything from HSBC since the recent judgement? Am just about to start a similar claim with them - I am self-employed... Best of luck anyway
  5. Subbing with interest - just had an SJ application chucked out
  6. Sorry for delays folks but here is the update. Thanks for your info Debs - really appreciate it. There was supposed to be a telephone conference call Allocation Hearing organised by the claimant's solicitors. We hadn't heard a thing from them so we turned up at the court and ended up in the Judge's Chambers where she contacted the Claimant's solicitors and she decided that the case should go Fast Track because we were going to counterclaim for missold (An understatement...!) PPI. In fact it appears to be a fraudulent alteration to the application form. In short she has been paying
  7. Hi I have an unusual case here regarding a Debenhams card that my partner took out in 1995. Link is http://www.consumeractiongroup.co.uk/forum/legal-issues/243089-cohens-cl-finance-ge.html There was supposed to be a telephone conference call Allocation Hearing organised by the claimant's solicitors. We hadn't heard a thing from them so we turned up at the court and ended up in the Judge's Chambers where she contacted the Claimant's solicitors and she decided that the case should go Fast Track because we were going to counterclaim for missold (An understatement...!) PPI. In fact it appea
  8. Thanks Vint - I've just been going through it all. It seems to be if you are the claimant there could be problems Regards
  9. Hi all - just to keep you up to date... nothing really happened yet. We received a letter from the court saying that the Allocation Hearing will take place on 24th Feb "...by way of a telephone conference, the claimants solicitors to arrange. 20 minutes allowed for the hearing.." Then it says: "Please note: This case may be released to another judge, possibly at a different court." Currently it is set at our local court - can they change this? Also any ideas how this will proceed - i.e. what happens at an Allocation Hearing? What if we don't hear from HC (obviously we will ring the co
  10. Thanks for the responses folks. Vint - I think its too late to start corresponding with them as its already in the legal system but your comments could be very useful for the proper defence if the judge orders them to produce all that I've asked for in the AQ. Thank you for that. Debs - Yes it appears so... and the a/c number on the claim is different to the one on the agreement they sent (which is also illegible in most parts). Do you think they will get away with that as being the original a/c number? Jogs - Agree totally 100% Anyway I've managed to complete the AQ and am sendin
  11. I wonder if someone could have a look at my thread please. I have to get the AQ in tomorrow and want to get it right... http://www.consumeractiongroup.co.uk/forum/legal-issues/243089-cohens-cl-finance-ge.html Thanks all :?
  12. She is pretty certain that they did not terminate - but she was on a PayPlan scheme around that time. I think the 2nd one from CL is made up. I've just managed to get links to the agreement they sent - and as I said most of it is illegible and the account number is totally different to the one on PoC. http://i50.tinypic.com/ejhd7b.jpg http://i49.tinypic.com/1znpstu.jpg I have to get the AQ in by tomorrow latest - any suggestions? Thanks
  13. Have put the links in Post#3 now - should be ok Thanks
  14. Here they are - sorry no scanner but took photos then photoshopped details out. Hope this works... It didn't but uploaded now to TinyPic - links below: http://i50.tinypic.com/2ywtq9e.jpg http://i49.tinypic.com/2z9e7pk.jpg Thanks for looking
  15. Hi everyone… This is my first post on CAG although I’ve been watching it for ages. Well done all for providing the “light at the end of the tunnel” for people. I am trying to deal with my partner’s problems and the current situation with one DCA is as follows: Debenhams Store Card initially (from 1995) Current alleged debt £9000 + Problems started March 2008 Default Notice from GE Money May 2008 Started Payplan payments to several creditors Viking letter (threatogram) early August 2008 Viking letter (file closed – returned to GE Money – legal action commencin
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