Ohhh trust me I will. The hearing is in the middle of the day and I loose quite a lot in money that day because I need to turn all my booked clients down but I will not miss the show.

Okay I am back! Update on the situation. As my friend solicitor advised I have sent the DC copy of Bank letter confirming that the debt is paid…. Nothing in response…. Today I submitted all paper work which actually states that the debt is paid to my original lender in full and that all payments made to my bank account will be transferred to DC due my account being closed. I don’t quite understand why they still pursuing this. Probably they hope that for some reason I will get scarred and don’t follow it?? !!! I have to send them all copies of court papers. Anyway I submitted a Wastes Costs claim as well. Now I am thinking to attack the bank itself because they obviously didn’t transfer the money to DC as they stated in their own letter leading to a HUGE distress for me. I am not joking, I actually find all this situation very unpleasant and desperate for someone to take responsibility. As far as I can see it is the bank fault and their sorry letter is not good enough any more. will keep you posted.

THx bazaar. I actually called ombudsman but they told me that they cannot help in this situation. They would if it is a credict card but not DC. So, I will contact FOT and SRA as you suggested. And I always send everything by recorded delivery. I was looking through other threads and understand that judgement by default is applicable to the outstanding debt. MIne was paid off in full. So, I think it is not relevant in my case. Am I right?

what do you mean judgement by default? sorry...

thx Sillygirl. I saw my friend solicitor earlier on and he suggested sending a letter with the copy of bank confirmation that the debt was paid off to DC. Although I phoned them right after I received the court claim and told them that they playing silly, my friend said I need to send a copy of this letter to have awritten proof. I was furious that I still have to justify myself but his point was that if I don’t do this the Judge can turn around and blame me for wasting court time and not trying to prevent the hearing deliberately. It just seems not fair that we have to follow every letter of the law and they can just jump on us whenever they feel like it.

Guys thank you very much for your support. I filled a defence already, just filled the court form some time ago. The court didn’t ask for any papers to be presented at that time. I just explained that the debt was paid and I have all paperwork proving it. Now I have a hearing date and I need to supply all copies of my documents week before. So, can I put wasted cost claim with it and how much? As I understand that will be cost of my time I spent on this matter. Is it right?

I am being taken to court by CL Financial for the overdraft/debt I had with HSBC. I have paid this debt in full in February this year but in May I received court papers informing me that CL Financials claiming the money again. I am sure that case will thrown out of court because I have letters from HSBC apologising for the hustle and confirming the payment. My question is can do something about false claim, harassment, distress and so on this claim caused me. Thx.

I wish but this is not a case. I have 10 creditors and paying them temporally reduced fee. I actually managed to pay off one of my debts and my Full and Final settlement offer was 25% of my outstanding debt, if any one interested this is the link for my other thread. http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/149208-blackhorse-loan-settlement-offer.html

Hi Everyone Just a quick update. Nobody seemed like helping me but I thought I will post this information anyway. After they requested Financial Statement second time I did it on line with National Debt Line and sent it off. Today all my charges were refunded in full!

Hi Everyone Just a quick update. After I sent my settlement offer I received a letter accepting my offer as a Full and Final settlement. I did not say in my previous communications (too superstitious) that some time ago I met a woman who at that time was working for a company organising Voluntary Financial Arrangements for people, I think they are called IVA or something like that. She told me that some time these agencies make it worse for their clients approaching all creditors at the same time in the attempt to reduce total amount owed to 25%. She advised me at the time to start from the smallest creditor and offer 25% of the outstanding debt when I am ready. So, I did. I offered them 25% and they accepted. One down 9 to go.

Hi Harry I will send my letter - giving them a last chance and I guess myself too and if nothing changes I will not bother to waste my ink and CCa will go in next.

Hi havinastella Thanks a lot for you advice. I already printed out a letter from your template and will send it tommorow. I know rough figure of everything owed by it always better to know foe sure. By the way I found this thread with useful templates if anybody interested ; re: creditors: http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

An update: Just finished my letter: my name and address DATE Blackhorse Senior Collections Manager Re: 00000000000 FULL & FINAL SETTLEMENT LETTER FOR ANY DEBT WITHOUT PREJUDICE Dear Sir/Madam I write with reference to the money which you are claiming on the above account. I can confirm that I am unable to offer to pay the money which I owe in full. I have been paying £10 every month as a temporally reduced repayment program. Unfortunately my situation is not getting better. Further more, I was getting some financial help from my friend and relatives up to July 2008 however they now experiencing financial problems as well and cannot help me anymore. Therefore I would like to notify you that from July 2008 I can only afford to pay you £1.14. However, I can raise £100 and I want to offer this as an ex-gratia payment in full and final settlement of the account. This offer is made on the clear understanding that, if accepted, neither you or any associate company will take any other action to enforce or pursue this debt in any way whatsoever and that I will be released from any liability. I also request that, if accepted, you will mark any entry on a credit reference agency file relating to the above account as "satisfied" in full. Payment can be made within 7 working days of receiving your written agreement of this offer and method of payment. This amount is only available to me for a short period of time and I will appreciate if you come back to me ASAP. I look forward to receiving your reply. Yours faithfully

Hi everybody. I am back; sorry for silence – was stack with domestic problems. Things are moving on. After my last letter and the offer of £4 as a manageable for me monthly repayment amount I received a letter from Senior Collections Manager stating that they are accepted my offer £40 ( which was the money shared between ALL my creditors). They reviewed my individual circumstances and I am apparently qualified for INFORMAL arrangement but reduced interest rate of 12.69% will be applied to my account anyway. Further more, it says that if by September my circumstances will not change I will be referred to a recovery team who will organise a long-term debt repayment solution with permanently suspended interest. What a greedy lot!!! First: they haven’t even bothered reading my letter and just saw first amount and went ahead with it. Second: even if I pay £40 a month I will gain another £450 will interest charges by September. TOUGH!! I am not giving up. I have just written another letter asking them to put their spectacles on and bother to read all of it. I will pay £4 this month but if I receive another statement with the interest charged that will be IT. Full stop and I do not care – they can take me to court. By the way; about phone calls. My tactic: then they call and ask to confirm my personal information – I say that I am not giving my personal details over the phone to somebody I do not know. Work every time!

you are not at all. I new that but was very tired and angry when I was writing that letter. To be honest my bet was on Joe Blogs who have no idea of their own company P & P.