If a ccj is issued against you are both partners in a marriage liable or can onl the person who the ccj is against be liable and their finances looked at for payment of said ccj?

Oh i agree PT, i realise its self help etc. I'm not wanting anyone to do it all for me. I just don't want to lose to this DCA through a mistake i have made as i am not clued up. It would be very hard to stomach after all the hard work and heartache this has caused. I filed our intent to Defend in full against the claim in the original forms that we sent back to the court, togetherwith a Draft Order for the Judge, which the judge agreed to as per the Order that was sent to us and the claimant. I have scanned a copy of this in an earlier post above. What i need to do now is submit an amended defence (not sure what that means?). I don't know what to say in it. I guess i can fully explain everything in the hearing?

Please don't take this the wrong way fellow CAG members....but i'm feeling a bit out on a limb here. I have had plenty of help so far for which i am very very grateful and have acted on accordingly , but now at a very crucial part of the Court process i am really struggling to move foward and i'm up against a rather tight timescale. I don't have access to internet again until tomorrow at 1400 and only then until 2145 then thats it for a while, hence my sense of urgency. Help guys.

Forgot to mention, i WILL NOT have access to internet/email after friday 21.45pm. In case i get any replies please make it before then. Thanks folks

tauroscatalogical i'm confused?? Anyhow, guys/gals i have 3 days in which to file the amended defence and send in as i am away after that. I am no nearer to what to write down.....1. I believe the CCA to be wrong. 2. I beleive they have gone through the wrong motions (although i may be wrong ?). 3. They have no proof of a DN being served. Is that my defence if so how should i word it?

PT, any help appreciated?

bump

Is the Defence form justto state my intenton to Defend or do i put exactly what i intend doing?

Ok i will have a go at it, i am not very good with legalities etc. I also have a little something that is very important up my sleeve but can't reveal too much, suffice it is in regards to a document. Not sure if i have to state this in my defence or leave until we are in the court hearing? I just needed some help with wording, eg not putting down too much or little or not stating what i need to say. I'm not sure how far to go as i guess we all say our piece in the hearing?? Guidance i guess i need.

Blimey these fellows are working overtime lately!!. Someone will be along shortly that will be able to point you in the right direction, don't worry.

Thanks CCM for your help so far, although you say tight timescale i did post this up and PM you 2 days ago as i got the docs from court then, however again thank you for your help:). Anyone else care to enlighten me as to what i need to say on the Defence form that i must submit before end of May.

Any advice, i have to move on this before the wkend as away next week.

LOL....gotta love them, they do like a good game.

UPDATE............... Just got a letter from RED today which i think are Lowells? Anyway they say they are looking into the informatuion a per my correspodane with them. It says these things can take time etc rest assred the matter will be looked into fully. Won't hold my breath then:rolleyes:

any views?

Which means?. Is that good or bad?

The above docs are the "alleged" CCA.

They have sent us copies of what they sent to Court, so i'm guessing they sent the Court copies as well, not originals. Details of which below..................... They have sent a scan of an Credit Agreement (same one they keep supplying us with) They sent the copy of their letter stating they are now owners of the account. (same one as usual). They sent a copy of the Original Creditor letter stating the account has been sold to the DCA (same one as usual, also these 2 letters originally came in the SAME envelope and the OC letter is obviously not convincing) They also sent copies of printouts of account activity.(same one as usual). They have also sent a copy of an email between DCA and HL (i think) that shows a computer screen shot of case history. This is a NEW doc i've not seen before. Apparently it is to show the dates of the "hello" and "goodbye" letters?????? I also have a query on the amount they are claiming, the balance was £2744 but when it went to Court it had gone up to £2899 plus Court costs. There is NO explaination as to why the balance has gone up , i was never informed of any interest being added, also the account is in Dfault . Although the DCA has failed to produce the Default notice as stated in the cover letter we got with the docs they supplied to the Court. I shall scan a copy of this in a post below.

CCM, the above document is what we received from the court. It DOES differ from the Draft Order we wrote out, i will copy that Draft below............. Draft Order for Directions 1 The Claimant shall not later than 4:00pm on (date) (being a date 2 weeks from the date of the making of the case management directions) file and serve a verified true copy of each of the following documents mentioned in the Particulars of Claim (a) the executed regulated consumer credit agreement made between the defendant and ***************under reference **************** together with any terms and conditions that applied to it, the original document must be brought to the hearing. (b) the default notice together with proof of service © notices of assignment together with proofs of service (d) the deeds of assignment shall be brought to the hearing (e) a full and complete statement of account including all payments made and charges applied covering the period beginning with the day of the making of the agreement and ending on the date of the commencement of this case. 2 In the event that the Claimant shall fail to comply with paragraph 1 of this order the claim shall stand struck out and the Defendant shall be at liberty without further order to apply to this court for judgment and for costs on the standard basis to be subject to detailed assessment proceedings if not agreed. 3 In the event of compliance with paragraph 1 of this order this case shall be allocated to the small claims track and, 4 The Defendant shall file and serve an Amended Defence by 4:00pm on (date) (being a date 6 weeks from the date of the making of the case management directions).

anyone know how i can post up document scans??????

not at home presently, however the claimant has supplied the same "copies" as i have described in earlier posts. As far as i can remember the judge wrote the order out the same as the draft (i will confirm that later). The only thing i got from the court was a copy of the order tha had setion 4 highlighted in fluoro pen and the N9B thats all. No idea if they have complied fully. I assume they have enough for the court to send this back out to me?