Such matters are a bit specialised and maybe those that know about such things haven't logged over the New Year. I know this isn't of much direct help but a lot of private schools are feeling the pinch as parents pull their children out and send them to state schools. The private schools are being pretty aggressive chasing up what they think are delinquent debts. In your case you must be prepared for a tough battle. First of all ensure you have a record of all your payments and a copies of all correspondence. You will in any case need these if the matter ends up in court. Secondly write up the full story in chronological order. Include everything. If you cannot put an exact date on an event then put your best estimate. Do your telphone bills have an itemised list of calls? You will be able to check telephone call dates if so. Sorry I can't be more specific. Hopefully this post will encourage others to step in.

And a very much Happier New year to you TT. You have helped a lot of people here who I am sure are very grateful for your assistance. Long may it continue.

Yes, I think an extra layer of complexity - and an extra tranche of civil servants.

You have our sympathy. That's a horrible tale you've had to tell and you must have had a difficult time over all these years. As you surmise the debts are solely owed by the husband. My advice is to stop all payments and let nature take its course. This may be difficult as time passes because debt collection agencies will become involved and then maybe followed by court action. If any CCJs are awarded to creditors then they will be unable to collect, and bailiffs will be unable to enforce any attempt to do so. Given the circumstances it is unlikely that the husband will ever want to apply for credit. If payments are stopped his credit records at the credit reference agencies will become seriously bad, although this is likely to be totally irrelevant. Bear in mind that credit references belong to the person, not the premises. I have to say I admire your efforts to keep payments up in these circumstances. I have to confess to having less moral fibre than yourselves. One point to note is that the debts, while being more than six years old, are not statute-barred because repayments have been made - and still are presumably.

Something doesn't quite add up : if you took out a consolidation loan then that would have been used to pay off IF. That's what a consolidation loan is all about. Did you do that?

Why do you want to? I would leave it to one of those to initiate court action, and then you can have your day in court without having to pay the fees up front. But, to answer your question, it would be your local County Court. Find out the address here - Her Majesty's Courts Service - Court Information and Addresses.

This thread is a bit odd. There's another one (admittedly a couple of weeks old now) in which the OP was making the point that all the DCAs were sending out letters like it was going out of fashion. In my case I'va had three DCAs writing letters over the last 2-3 weeks.

I see your point. Well, the buyer and seller both believe that it's valid. If you behave as though you believe it's valid then no-one is even going to think of questioning the validity.

They are generally about mid-scale on the nastiness scale. Work for RBS/Natwest.

Sorry to hear about all your hassle. Unfortunately it's all too familiar. Of course these people are ignoring what you say. All they understand - and all they are interested in - is getting money from you. Simply keep repeating that you will not make payments until a compliant credit agreement is produced. Each time you do this you are passing the ball back to them.

Great they may be, however they are expensive, very expensive, or even horrendously expensive depending on which card you have. The people that issue them do it for the money, not from any spirit of benevolence or charity. The best one IMHO is the BT card. The 'gotcha' is that you have to spend £10 on phone calls every month.

You need a solicitor. A very good one.

A formal application must be made to the court. The form to use is a N244 which is downloadable from here - Her Majesty's Courts Service -Forms and Guidance. There is a fee for this application.

This sounds correct, however if they have attached the invoice to the claim instead of the bounced cheque then where does it stand? A solicitor is definitely in order here.

No, it's a sneaky trick to make you stump up some money.

At the instant you are declared bankrupt any bank accounts cease to be yours - which means, of course, that they do not belong to you so you cannot use them. The Official Receiver will take them over and may then allow you to resume using them, but the OR will have to do this explicitly.

The 12+2 refers to the 12 days together with a day's postage at each end. You have circumvented the first 'end' by obtaining proof of delivery on a specific date. Hence, in your case, the required period for compliance is now 12+1 from the recorded delivery date. Incidently, despite many assertions on CAG, the account doesn't automatically become disputed if the creditor/DCA does not comply. You must write and say the matter is in dispute and give the failure to comply as your reason. Bear in mind that creditors/DCAs cannot read your mind.

The court will not have any record of this case at all. They are removed completely after six years. The original credit (solicitors or DCA) might but the concept of them 'helping' is rather unusual to say the least.

Since it is now more than six years since the judgment both you and Iqor will not be able to go back to the court. After six years all records of the case disappear so no court will be able to hear the case. Have you paid more than the judgment amount? Did the original judgment order you to pay in instalments, or was the judgment for the full amount to be paid immediately but Iqor have agreed an instalment plan? If the former how much was the instalment amount? Just curious - how much was the judgment amount?

This one sounds like it's going to be bit awkward. Sworn affidavits are pretty powerful stuff so you need to deal with it promptly and effectively. You can swear one yourself to the effect that you never received any such Statutory Demand. Ask the court for guidance on this or check one of you local solicitors. But first ask if you can have a copy of the affidavit lodged with the court. There may be a clue there.

Actually all Weightman's are doing is threatening to 'seek instructions'. This is a long, long way from going anywhere near legal proceedings so you should put it aside for Christmas and sit back and enjoy yourself. I'm a bit full of Christmas Spirit at the moment so I'll look at this later. Perhaps others here can look in as well.

Sadly I haven't either. The closest I have come is when I answered the door one and a man asked if I was Mr Palomino. I said yes, and he then walked way. I called after him asking what this was all about and he said he verified addresses (in this case for Arrow Global). That was all. Bit of a bummer when you're all pumped up for a 'discussion' and the other person simply walks away.

There is no legal requirement at all for a Notice of Assignment to be sent by any form of provable delivery. However, if it isn't sent in such a way then how can they prove it was ever delivered? As to the form of a Notice of Assignment - there isn't one. If they write and tell that they have sold the debt to someone else then that's sufficient. Of course they have to say who the buyer is and the date of the sale but that's about it. As to the seller having to tell the debtor, the Act is pretty vague on this point. All that matters (in law anyway) is that the debtor is told.

NCCBC - Northampton County Court Bulk Centre (or 'Northampton CCBC')

Your comments are very disturbing. Has it occurred to you that the DCA has put someone else's documents in your envelope - and put your documents in someone else's envelope? You might still get that Christmas phone call from the person whose details you have. I think you do need to make that call yourself. In any case this warrants an immediate and very strong complaint to the Information Commissioner. Don't do it after Christmas dinner when you're full of peace and goodwill. Instead do it during the morning when the kids are arguing over their presents, the wife won't let you into the kitchen to get another beer out of the fridge and the cat's crawling under everyone's feet because no-one has remembered to feed it. These are the sort of things that make you really enthusiastic about writing complaints. But have good Christmas anyway