Contacted court re changing plea and I was told it doesn't matter if i ticked part of debt I can still enter defence of all and counter claim. I must submit defence by 12th July.

Thanksagain Andy...I'm on the case!! I have never recieved a N.O.A. I am going to look for the default...I think that was sent to me by GE ages ago will post up later on. Will get letters in post today and await a response! Feeling loads better already!!

cheers andy!

Hi everyone...newbie posting in the wrong place, please see this same thread in debt collection forum! Regards Deb

Particulars of claim read: The Claimant's claim is for the sum of 3790.27 being monies due from the Defendant to the Claimant under a regulated credit agreemant between the Defendant and GE Capital Bank Limited under reference no. ******* and assigned to the claimant on the 28th February, 2008 notice of which has been given to the Defendant. The Defendant has fialed to make payment in accordance with the terms of the agreement and a default notice has been served upon the Defendant pursuant to Section 87(1) of the Consumer Credit Act 1974 The Claimant claims the sum of 3790.27 ---------- and here is letter I sent them:

Cheers Pinky!! Hi Andy, thanks for that, made me feel lot better when I read your post, will upload the information asap for your perusal. Yes I did enter a plea to some of the debt on the grounds that their was a debt to be paid...how do I go about changing my plea? Sorry...feel a bit daft asking certain things that are probably obvious but I am on my own and never had to deal with stuff like this before. Letters to follow, my request for information & Thier response letter. Thanks again regards, Deb

Hi Guys! Here is an update of proceedings, I filed an AOS with the courts to give me more time with the intention of defending part of the debt (intend to claim back charges etc). I wrote to Cohens and CL Finance offering an ex gratia full and final settlement of £2000 (bearing in mind the sum filed at court is £3950) and stated that this was non negotiable and if not accepted intended to defend the debt and in which case would need them to supply me with all account information as you suggested under CPR. Have received reply this morning that reads: Dear Me Re: CL Finance v Me Northampton County Court Case ***** We refer to your letter date *** in which you have made an offer of payment on this account. The offer of payment contained in your letter is unacceptable to our client but they are willing to accept an offer of £3560.00 in full and final settlement of this account. You have also made a request for information under the Civil Procedure Rules. We are not obliged to provide this information and would advise that the particulars of the clam detailed in the countty court form be sufficient to allow you to respond accordingly. If you are unable to pay the account in full please respond to the claim form with either an appropriate defence or an admission and offer of repayment. Failure to do so will reult in a judgement being entered without refernce to you. Your sincerely Howard Cohen & Co I really do not know where to go now, are they trying it on to see if I will offer more or do they not care if this goes to court and I offer to pay only £10 per month. They haven't supplied any documents for me to file my defense and to see how many charges there are and I really need those. What is your advise for response?? Offer a bit more or submit that they will not supply requested information?? I have until 12th July to file defense, cheers Deb

Hi Guys! Here is an update of proceedings, I filed an AOS with the courts to give me more time with the intention of defending part of the debt (intend to claim back charges etc). I wrote to Cohens and CL Finance offering an ex gratia full and final settlement of £2000 (bearing in mind the sum filed at court is £3950) and stated that this was non negotiable and if not accepted intended to defend the debt and in which case would need them to supply me with all account information as you suggested under CPR. Have received reply this morning that reads: Dear Me Re: CL Finance v Me Northampton County Court Case ***** We refer to your letter date *** in which you have made an offer of payment on this account. The offer of payment contained in your letter is unacceptable to our client but they are willing to accept an offer of £3560.00 in full and final settlement of this account. You have also made a request for information under the Civil Procedure Rules. We are not obliged to provide this information and would advise that the particulars of the clam detailed in the countty court form be sufficient to allow you to respond accordingly. If you are unable to pay the account in full please respond to the claim form with either an appropriate defence or an admission and offer of repayment. Failure to do so will reult in a judgement being entered without refernce to you. Your sincerely Howard Cohen & Co I really do not know where to go now, are they trying it on to see if I will offer more or do they not care if this goes to court and I offer to pay only £10 per month. They haven't supplied any documents for me to file my defense and to see how many charges there are and I really need those. What is your advise for response?? Offer a bit more or submit that they will not supply requested information?? I have until 12th July to file defense, cheers Deb

Thanx honey...have never absorbed so much information in such a short space of time lol ...its fantastic to know people are out there willing to help when you have hit a bad patch, thankx Deb

Wow! Zazen that was brilliant reading and well done on all that letter writing. It seemed pretty heavy handed in places and suspect I have all this to come....in the last couple hours have learned an immense amount but need to read much more...

thanks zazen warrior will do.....

Ok will print signature. Reading some of the threads as advised am I right in thinking that CL Finance have bought the debt from GE Money and maybe for a much reduced amount? The amount I have actually spent on the card is £2800 but with charges and interst over time this is now £3900+. Is it advisable therefore to counterclaim for these charges and interest or to admit the full amount and ask for time to pay?? I am not sure about my entitlements if any

No have never requested a Consumer Credit Agreement from them.

Thanks guys...starting to feel better. Will write suggested letter to Solicitors and send special delivery and complete the Acknowledgement of Service online. What happens if CL don't supply me with the documents requested?

Yes it is a court claim form from Northampton (CCBC) and I would like some help as to my next step as I do not want a CCJ. How to proceed with this claim form?? I understand that I have 14 days to reply to this and if I submit an Acknowledgement of Service this gives me an extra 14 days to mount a defence but I feel completely out of my depth. My issue with CL Finance is that my account was not with them it was with GE Money and I was never given any indication as to it being taken over. I have been hammered with charges and interest etc which have grown the debt beyond my control and I don't even know who these people are...where did GE Money go and is my actual debt with them or CL Finance??

Hi Pinky! Thank you for looking at this for me. Have had the card for 5 years and the claim form came from Northampton (CCBC) Claiment being CL Finance and signed Howard Cohen & Co Regards Debbie

Hi Guys! Have just joined site today after searching the net for some help and hope there is someone out there who can advise me on what to do next. Had an Evans card account with GE Money which defaulted, and after a few months on a payment arrangement I got a statement from CL Finanace?? saying that I should continue to make payments to them as normal. I made 3 payments (each of £50) to them but still with confusion as to who they were, ran into some finacial difficulty recently and missed last months payment and yesterday recieved a claim form issued by HOWARD COHEN & CO?? Have never been in this situation before and don't know what to do next?? The level of worry this is causing is making me ill can anyone help me please.. Many thanks for looking at this, kind regards Debbie

Dear Honey Many thanks for your reassuring words! Its good to know there are people willing to help!! Regards Deb

Hi Guys! Have just joined site today after searching the net for some help and hope there is someone out there who can advise me on what to do next. Had an Evans card account with GE Money which defaulted, and after a few months on a payment arrangement I got a statement from CL Finanace?? saying that I should continue to make payments to them as normal. I made 3 payments (each of £50) to them but still with confusion as to who they were, ran into some finacial difficulty recently and missed last months payment and yesterday recieved a claim form issued by HOWARD COHEN & CO?? Have never been in this situation before and don't know what to do next?? The level of worry this is causing is making me ill can anyone help me please.. Many thanks for looking at this, kind regards Debbie