I have complied with the 16.35, I checked this on line. I have aleady filed my defence. The assignment date they but in their statement of case is 12 March. Is there anyway I can make them or the court aware of this now? Or do I have to wait until we go to court?

Right I am a bit confused now how do I know if my defence complied with CPR 16.5? Do you want to see it? I have received a copy of a letter (notice of asignment) from Barclaycard but it is so obvoius that Thurbull or HFO have just printed it off them selves. one was undated but told me that with effect from 30-10-07, barclaycard had assigned my account to HFO Capital Limited with one amount on it. The second copy was also undated but different lay out, still on Barclaycard letterheard same date 30-10-07 assigned to HFO Capital but this time a different amount. The default notice served b HFO whic is incorrect date of asignment is 30/10/07 as well. The Terms and conditions are uneligable. I ca't read them they are unsigned and undated. What do I do now? Do I need to amend my deffence? Confused. What do I need to do

Right guys, have not been on my thread for awile and have come back to find that averyone has gone through the thread and have has huge legal arguments in my absence.................. Most of in I must admit is way above my head. Asw always I am most greatfull for any help and suggestions for me to avoid court as I am ****ting bricks as it where, or anything that will get it thrown out. I am posting all the documents as requested again and look forward to any ideas. Story so far. All I have received from Thurnbull in the way of documents are; Copy of an uneligable application form. (they have sent this several times but in variously bad states none of the eligable), copy of some T&C's not realating to the account, but they want me to think they are... not signed or dated also unreadable. Copies of statements, incomlplete set and some of the statements have different details not relating to me. Claimform received 14 March. Acknowledgement of Service filed asap. Defence filed and acknowledged by the court on the 03 April. 08 April received a letter from Thurnbull, thanking me for the receipt of my deffence, wanting to resolve the dispute, (attached again). If they did not hear from me one week before the deadline they would file their AQ with the court. Sent a fax to Thurnbull on the 15 April, as suggested in my thread that documents sent are not the original and not legiable and therefore fail to meet the requirements of of the copies of doc's regulations. Also informed them that I will only correspond in writing due to the pending court case and my dissability. Any suggestions as to further action would be appreciated. Thank you all for your help. If you need to see my defence I would be happy to send it via PM Thank you. CC Claim Form.pdf Thurnbull,defence,receipt.pdf

I have got my fingers crossed, although it irritates me that they get sent a reminder!! No one would remind you and give you an additional three weeks to get your act together!! Good Luck, keep us posted

Thank you

Question, Thank you for your help, I am in the process of writing a letter. Should I write "with no prejudice" or similar at the top of the letter. Cheers

Bump!

Hello Again all you good people. I have received a response to my defence from Thurnbull. I enclose it here. Should I respond or just leave it. They have yet again enclosed a copy of the application form. A sheet of Terms and conditions that are not dated signed and illegible. All the documents are illegible. Any views on this letter, I have not heard anyone else getting these? Cheers Thurnbull,defence,receipt.pdf

Hi Gunner, I feel for you, I filed my deffence last week and now I have to wait as well. Is it 28 days after the court have processed your deffence? What If Thurnbull file late, will it still be valid? Cheers

Ok will do, cheers

Dear All, I sent my letter of to the Halifax or HBOS as they are now. They sent me a list of all the charges, very convenient and easy. Now my question is, all the charges are before 2006 I know that new regulation came in then. Should I reclaim the full ammount for all the charges or shpuld I reclaim the amount they have charged over £12? I understand £12 is what the OFT decided was fair. Also do I add the 8% interest? Many Thanks:confused:

I am keeping my fingers crossed for you. Let is know when you know. Cheers

Any news Gunner?

Hello again, I posted my deffence on line. That way it is instant and easier to keep contol of. Don't panick you have another week, but I have been told by other caggers to get it in earlier as Thurbull are known for contacting the court and telling them they have not received the deffence, and that way they get Judgement by default. Not sure how that one works but there you go. I have based my defence on the fact that there is no valid credit Agreement, all I have been sent to far is copy of an application form that no one would be able to read. I have received statements that have the incorrect details on, I have received an incorrect default notice, all the paperwork has different ammounts. It is a mess. Start of having a look at my thread. 42Man posted some links today that have good defence ideas. Cheers

Gunner, whats up? Any news? Filed my defence today so we will see what happens. Cheers

Hi Dinny, How is it going for you? Are you getting anywhere? I filed my defence today online so we will see what happen. Don't forget your time is nearly up! Cheers PS. There are some good links on my thread that have some very good defence documents. It is quite scary but once you get in to the language it gets easier

Right, Good point. I have now filed my defence on line. All I have to do now is wait I guess? What happens now? Many Thanks

Question, I am just filing my defence on line. Do I want to issue a counterclaim? Or do I just leave it? Help

Yes, I guess so, It is such a drag, Whjat anoys me is if it was you that was late, you would not get a nice letter from the court reminding you to take the case further...............

I have today sent a letter to the court regarding the Litigation Friend. Sent recorded.

My defence is not ready as I am waitng for some help. The deadline is 09 April but I would like to get it in this week, I am in the mercy of others at the moment as I have no idea where to start

Hello, Ok I will wait, just getting very nervous now as I am nearing my deadline for the deffence. Thank you

Hi Dinny, Just saw this thread and your case must have been filed on the same day by HFO, mine was also filed on the 13th, Althoug in my case I got a response from HFO regarding CPR request very sharpish. It was the first time they had acctually responded to me........ Going to subscribe to keep an eye on what will happen. Please let trading standards know and the OFT together will the Solicitors Regulatory Association. The more the better. Surrey trading standars have people dealing only with HFO. But you also have to complain to the Trading standards where the crime has been commited ie the home address of your parents. Please do, as more and more complaints will make a difference. I take ot you filed your acknowledgement of Service and you are now working on your deffence? Cheers

Hi Shanea1981, You would have to start your own thread and then I am sure someone will assist you very shortly. Many Thanks

Hi Rhia, I am unable to tip ex anything as the acknowledgment of service was done on line on the 18 March, I was going to do my deffence as well on line. When I aknowledged I ticked Litigation friend and gave their name and address, together with my details. Do I have to write to the court? I have not yet informed anyone of my hearing problem, I will do that later, or should I mention it in my deffence? Cheers