Ok, well my plan was to write to Sols who sent off CCJ and ask them for a copy of agreement - saying that if no copy was found I would ask the court to remove the CCJ as it was given in error and also remove the Sols costs etc etc. If Sols do write and say no agreement, I would ask them to take the CCJ off by their request . Whaddya think?

But PT, what about my Q, when you say now I should claim, but before said I was unlikely to succeed.... ?

Excuses Excuses I've got an exam in family practice, an exam in family law (both week after next), 4000 words to write about consent to medical treatment with the Mental Capacity Act amongst other things and yet I still find time to procrastinate hahaha :D

Mm PT never came back!

I think you have written an excellent piece there to be honest (although as has been made plain, I think it's basic common sense to get a record for sending something like this - whether they give you specific instructions or not - if there is no tracking attached, you get some for your own protection!) However, I think maybe the OP should use that as a basis for a template and send something off to 02 directly and send it RECORDED DELIVERY!!!!

Here's an interesting thread: Refund on ebay - item not returned to me - Advice - Digital Spy Forums I wonder how this is different from your situation? Do you think that the seller should automatically just refund the money too even though they never got the item?

They never seem to work for me.. grr Anyways, the posts I am referring to are on the second page of that thread!

I'd tell them that's not your fault and you didn't ask them to come calling on you so they can go take a hike....

Because I asked about this and I was told no.... I'll go find the post..>! It's here: consumeractiongroup.co.uk/forum/debt-collection-industry/166571-moorcroft-barclaycard-2.html#post1812585 Why can I never get simple links on this site to work... grrrr (have to put the www back in and hopefully it will work!)

But then why can't you get a CCJ removed if you find the agreement is defective and they didn't produce an agreement originally to get the CCJ in the first place....

Loan was with Citi Financial for approximately £12,000. All in all I paid back (including the PPI of £2,400) of £23,000 - £383 over 60 months..!

If I have a loan which has now finished, am I still entitled to reclaim the PPI. The only time we ever tried to use it, for redundancy, we were told "it doesn't cover this type of claim". We were told when we took the loan that it was a condition of us having the loan in the first place, and we certainly weren't given any documentation to read about the loan, nor told that we could cancel it. So, as the loan finished in August this year, I'm wondering if I would be able to reclaim it or not - as it could be said we were only claiming it back as the loan had now finished and we'd not used it etc etc (which I guess is understandable!). The amount paid for the PPI was £2,400.

Best bet is to have a good read around the forum That's what us mere mortals have to do I'm afraid

Except that there has been a reply to your other post, and it doesn't apply to the UK. (in fact, google "universal postal act" and there are only two links, both of which are in relation to your posts!)

Oh My Goodness!! So he is sending a letter saying "we won't give you the info you want for a defence" and then saying "oh, by the way, we'll give you 14 days notice after you haven't put your defence in because we won't give you the information before we just enter judgment anyway" This man should be hauled before every regulatory body going!

That is for PAID proof though - a general certificate of posting is free!

How odd, because they use a "parcel returns service" There is always a barcode placed on the parcel, and that barcode is usually on a pre-printed receipt they will give you for it. It doesn't cost anything. I did a survey elsewhere on this site, it went along the lines of "if you sent something to someone, and they said they didn't want it, and would return it, but had no proof of returning it, and it never arrived back to you, would you refund their money?" Oddly enough, everyone said they wouldn't refund the money! Like I said, the best angle to take here is regarding that £200 that is also being contested.

I don't "love it" as you put it! I've said to you ask them what that odd £200 is for, get the details of that, what is this sum made up of.. Why do you believe that that amount isn't valid for example? They have said in their letter to you that these are charges incurred BEFORE they added on the cost of the phone they never received. They have also said in detail that you had issues with their billing and they refunded you nearly £100 over these issues. So, what is with the £200 odd that needs to be sorted. THAT is the angle I would be taking, and if you can get them off your back for that amount, you might get the phone taken off as a matter of course. I think claiming that "they didn't tell me to send it recorded so I didn't" is a bit of a non-argument, no matter how much you hope it isn't! Even getting something like proof of postage is free! And this is why I say if they really want to pursue you for it, let them take you to court and a Judge can decide what is right and reasonable in the circumstances and the other side will have to produce all the evidence for you.

Tell them you won't pay it so let them take you to court and let a judge decide.

OK so that doesn't apply then if you had your "alleged" debt before the 06 rules came into force? You got me slightly worried with what you said before (all mine come under the 74 regs, none acknowledged!)

Remember, your bid has to reach their Reserve Price!!!!!! So that's probably 20% off the debt then!

Also remember they are only in default whilst they cannot fulfill your CCA request. If, for example, they produced a legitimate CCA 12 months down the line, they could start to enforce it then! (I add this because some have been under the impression that after 12 days they are home and dry and nothing can ever be done again!)

I've just done some research In its judgement in Gomez v Continental Industrias del Caucho SA ([2004], the ECJ said that women on maternity leave must be permitted to take their statutory annual leave entitlement at a time other than when they are on maternity leave. I might just WIN :D

I'd send that letter up the head honcho of MBNA in the UK and ask if he believes that letter portrays a professional organisation!

Have a quick look at post 17 in this thread