I'm being sued by a claimant who is using a mail-box address in the UK as his service address for all papers and claiming that address as his UK address. He has left the UK to avoid his creditors - currently in Turkey. He returns to the UK for the court hearings etc.... but I am concerned that he may not have any rights to continue with his claim. The claimant is effectively insolvent in the UK but not bankrupt (because his creditors haven't been able to serve papers). The whole claim is malicious anyway as I am pending bankruptcy but he has dragged my partner into the nasty messy affair so we must defend the action for her sake. Any advice welcome as we are Litigants in person due to estimates of c£20,000 from our solicitor!

In a word.... Avoid like the plague unless you are 100% sure that you will never make any mistakes or be a day late with any payments.. The 1p off a litre of fuel was my reason for getting Tradepro / Tradepro fuel cards.... I spend around £500 to £600 per month.... but after about 3 flawless years I missed a direct debit payment & received a phone call from an ignoramus and I spent an hour on the phone arguing over interest payments that had been applied to the account (incorrectly) which included speaking to an 'operative' and even longer to a supervisor (who supported the idiot operative!) only for me to get another call an hour later from the supervisor, tail between legs and apologising for the fact that he had indeed got it wrong... Anyway, £21.17 interest refunded I was happy enough until I got my statement - I had made the payment due manually having cancelled all my direct debits due to moving banks... I got a charge of £25.00 "dishonoured payment charge" - followed the next day by a "collection charge" of £30.00 The payments are for the full amount outstanding each month because EVERYONE considering one of these cards needs to know this... The APR on the account is approximately 48.9% FORTY EIGHT point NINE Percent........... Whooa! So miss a payment & they'll stitch you up in outrageous fees.. make a part payment instead of a full payment and you'll get charged an interest rate normally only seen on those sub-prime "Hillbilly" credit cards given to dolewallers.... And when you speak to them they'll make it quite clear that the charges have been applied fairly according to the terms and conditions that you should have read from start to finish! By the way, they will also point out (if asked) that the agreement isn't covered by the banking standards or FSA in the same way as a credit card because it is a "business to Business" agreement (i.e. you don't have the same consumer rights you'd have as a member of the public...) So after a spend of many £1,000's and I'm sure they make money on each transaction... they have bitten the hand that feeds them... my cards just went through the shredder and I will not be signing up again. .... and yes; yours truly was sold his by some bimbo in a builders merchants too... Doh!! (When did anything good ever come of anything that was sold by a short skirt in a male dominated environment? ;-)