Sillygirl, Many thanks for the advice. I am going to write to the court in the next couple of days. Just want to read up a bit more on the regulations surrounding the CCJ that you mention so that I have all of my facts in place first. Will keep you updated on any progress I make.

Hi, I am in a very similar position. I was taken to court by HFC/Marbles & had a forthwith judgement made followed by a charging order. The amount I am paying to Restons, their solicitors was agreed by them & not a judge or court. I have not missed a payment but a couple of months back I received a letter from Marlin/Phoenix stating that as of May, another couple of months prior they had become administrators of the account. I read that I should have received a letter of assignment from the original creditor prior to this & that if I hadn't then I should ignore Marlin & continue paying Restons. I have today received a third letter stating that again all payments should now be made to them & also that they would be taking legal action against me. Surely they cannot take me to court for the debt if I already have a ccj & co. I want to write to them to request a copy of my original agreement. HFC couldn't provide one first time around & I dont know if it would be beneficial anyway. On the other hand I dont actually want to make any contact or acknowledge them. Any advice? Thanks in advance.

Forgot to say, I have got every bit of paperwork ever sent & received & it all went recorded delivery. I have re-instated my payment to Restons today though just in case I get accused of defaulting on the agreement regardless of the letter from Marlin. Cant risk any action on the CO as property is joint owned with my hubbie.

OnMyWayOut & Satterthwaite, Many thanks for that. I feel strong enough to go for an overturn of the CCJ. At the time it was so hard as I was dealing with all of them at once & although I was following guidance from CAB everything they said wouldn't happen did. I even got to the point where we put the house on the market to pay off all of my debts but because of the state of the housing market we cant even sell up. Really winds me up that those of us that are genuinely trying hard & taking responsibilty for situations that just got out of hand dont get fair treatment. I am ready to go for it now & will pick up on the other threads that are referred to on here & sort out a plan of action. Will keep you informed, & good luck to anyone else reading this in the same boat!

Hi, I am new to the site today although not a newbie in the life of debt. I have been managing to pay all of my debtors agreed amounts since admitting to having over £30k of debt back in July 06. All of my debtors have been great apart from HFC. In retrospect HFC went for a default CCJ & then a charging order as soon as they found out I am a property owner. Although at the time of court proceedings I got the collection charges from Restons dropped I never received a copy of my original Ts & Cs as requested from HFC. They sent me an illegible copy of my application form. They also refused sending me a copy of all data held & returned my £10 cheque. The court didn`t see a problem with this & the most help I got was a postponement of the CO hearing when I stated that none of my other creditors had been notified of proceedings. Anyways, to cut a long story short they got the CO last August 07. Agreed £30 month to Restons. Requested again copy of original Ts & Cs & also a breakdown of what interest & charges they were adding & received nothing. Just received a letter exactly like the one on this thread headed MARLIN Financial which is an NOA. I haven't receved anything from HFC or Restons. Should I just ignore their request to pay them & carry on paying Restons? Tried phoning & cant get thro. Only want to deal in writing preferably any way. Some advice would be good please... Thanks in advance.