A question for you all if I may. When applying for your set aside and submitting a N244, did you get it witnessed by a solicitor? I'm about to go for Halifax before the date set for their attachment of earnings hearing, No CCA, failed to comply with SAR, Late Charges, Over Limit Charges and PPI going back years. Cheers IC3

There's a tick in the relevant box for PPI, I was persuaded to take it out. A few years ago I rang to cancel it and was again persuaded to retain it.

Some advice required please. I defaulted on a Halifax Credit Card; they obtained a CCJ April 07 and have put a charge on my house. I have obtained a copy of my CCA and it’s an application form with none of the prescribed terms, my default is made up of late payment charges and PPI charges. What I’d like to know is there any chance of me getting this back to court to defend, after reading lots of threads on here I’m not sure if or how I take this further with Halifax? Ultimately I’d like to get at least the charge removed from my house, if the default and CCJ were to go also that would be a bonus.

Is this an Application form or a Credit Agreement? I sent off a CCA request to GE Money for my Debenhams store / credit card, the attached is what I have received. Can anyone tell me if this agreement is enforceable? Thanks for you help. Cedit Agreeent GE Money.pdf