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  1. they do seem to be a very small company! I've had emails from the "complaints department" "managing director" and "legal department" ... all of which are directors! Fortunately i have it in writing from all 3 that there is "no breach of any data protection".. one of the emails had the subject as "can you check this please.. quick repsponse to complaint" ... Very professional!!
  2. brilliant! Thankyou I'll get straight on to them!! I'm also going to cc in HSBC to all correspondance (my original debt was with them, and im a hope to embarass Largo) and the creditor on the stat deman that isn't mine! I'd love to be able to track down the person on the stat demand and give her all the info so that they can make a complaint too!
  3. thankyou both. Will get the form completed now, and call the court on monday!
  4. Hi, Not sure if i'm posting this one in the correct place. Late last year Largo sent me a set aside notice to a stat demand. however they also sent me two... and one was meant for someone else. It has their full name, court name, court number and the creditors name. Largo have told me that this is not a breach of data protection. I have asked Largo to give me contact details for phoenix, whom ultimately own the debt (i said that i was worried about my details being entrusted with them)... this was in October and they are still telling me that they will advise me "in due course" largo are now making things very difficult for me, and i am keen to return the favour. :)I've looked at the Fsa's website, and that doesnt seem like the right place to complain? Does anyone know where i can start? (Or if indeed it's worth doing so!) Thankyou
  5. thank you, will do that. Hubby's at work today, so i'm at home with my daughter, and you've no idea how much i paniked when i saw the letter. I think this was made worse by not being able to talk to anyone about it! Feel loads better after being able to "talk" about it, and having a none hysterical response. Thankyou!
  6. i returned the allocation questionairre, but i dont think i completed it in full as i enclosed a letter, and couldn't really see anywhere in it where i could withdraw my defence. Am i going to be expected to try and pay it all now then?
  7. After spending the last hour crying, i've decided to try and do something constructive. After a fight last year with Largo re stat demands they produced one correectly completed credit adgreement, and sent a court summons. I completed this but said that i disputed the interest. When i received the allocation quesionairre i realised that i didnt really have a leg to stand on with regards to the interest, so wrote a letter asking for my defence re the interest to be disregarded and apologised. In the original court papers i filled in details of my earnings etc, and my offer of payment. I've today received a judgement for claim saying that as i have not replied to the claim form i myst pay the claimant the full amount £6851.16 I can't afford to pay this, the offer of repayment i made was £20 a month. i did reply to the claim form. I don't know what to do. please can someone help? (i can't contact the court as they're not open today)
  8. wooohoooo!!! i have today received the endorsed consesnt order from the courts saying that the case has been set aside thankyou all so much for all your help
  9. hi semyaza, i communicate with Largo mainly via email. As i dont like talking to them over the phone as i end up getting really annoyed! they have quite a few copies of my signiture (as i had no idea signiture lifting went in until i found this life saving website!) the first judge i had in plymouth was quite human, and didnt speak to me as if i was a very stupid naughty child, i may have just got the second judge on a bad day? It's very frustrating as he refused to even read my defence!
  10. Hiya Doc, thankyou for your response.I've been sent a blank copy to sign and then to send to Largo. Since they started court proceedings i've communicated with them predominantly via email (with the exception of cca request etc). Before i found this forum i was completely unaware that anyone would even contimplate lifting a signiture, so they do have quite a few signed letters from me. Im going to sign the form and return it via recorded delivery, but i'll sign over the line and take a photocopy! Im not going to get too hopefull until i hear from the courts (will i hear from them if Largo do forward the set aside consent order?)
  11. lol.. i intend to, as well as reporting them to the relevant bodies for none cca compliance etc! i've got my fingers and toes crossed that the letter means what i think it does!!
  12. another thing, at the bottom the consent form they sent me... they have also sent someone elses :-s
  13. Hiya I have received a email from Largo today (they were trying to get me to consent to a voluntary charging order on my house and repayments which i couldnt afford) so i told them no. I have received the following email back: We have referred your comments. Our client advises that without any prejudice or admission of liability they are agreeable to the setting aside of the statutory demand by way of consent with no order as to costs. A draft order is attached for your approval, signature and return. Yours faithfully, attached is a form that says: IN Plymouth county court between : phoenix recoveries and me! Consent Order The parties having agreed to the terms as set out below: By Consent it is ordered that: 1. THe statutory demand served 20 May 2008 be set aside 2. there be no order as to costs Dated the day of 2008 We agree to an order in the above terms signed signed (largo) (me) Really stupid question, but does this mean what i think it means and are they withdrawing the SD? Is it ok to sign, or am i agreeing to something im completely unaware of!?
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