Thank you rory32, for a quick response, have you transferred my post to the legal issues forum indicated in the post above, not sure. Question? is it possible to get a case adjourned or is the time limit set in stone for judgement. Is it in order to reply to LCS, denying debt, and indicating our intention to defend this in court. Asking for details of date of assignment, and any other information requested to enable a defence be put together. Thanks once again, I will certainly contribute to this site, I did try the button for donation but it was out of order New Dim

Hello, always a bit daunting making a first post , however I already feel part of a friendly and helpful community, after reading some of the posts, it gives me comfort in the knowledge that people are there to help and share their experiences in this difficult time. Am going through a situation with First credit at the moment and LCS Solicitors, they seem to be the subject of quite a few posts here and would like some advice or guidance on how to deal with them on my wifes behalf, who is being chased for £12,534.27 plus £4,320.00 interest and charges, which was originally passed to them by LLoyds bank for an agreement she never had approx 5 years ago, this was also given to Meritforce by First credit on the 28/2/06, We have received a Court summons from Northampton CC Stamped, issued by LCS, I intend to dispute this debt in full. 1 Can I get this transferred to a local court, as it would be impossible for us to travel to Northampton as we are both pensioners. 2 Can I act on my wifes behalf as her litigation friend 3 The summons was issued on the 9th and has 14 days starting on the 14th of this month for me to aknowledge service, and prepare a defense. They issued a Statutary demand notice on 24/11/07 date of assigment from Lloyds was 20/1/04, we ignored this as we felt it was a frightener, does this constitute harrassment and or unethical practice, by Ist Credit/LCS. In passing I would mention that we have had no direct communication with these people either by way of letter or telephone conversation. Apologies for being so long winded, but some guidance would be of a great help.# Thank you New Dim