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  1. I have received two letters saying that the CSA are taking action against me for two liability orders; one from 2008 and one from 2011. The last communications I had with the CSA was in 2010 when I was re-assessed after change of circumstances and told I had no payments to make at all. I am self employed and have had a horrendous time since then; I had pneumonia in december 2010 and was unable to work; I have moved house twice since 2010 and have had serious money issues - I was told to pay nothing before and my situation had worsened so the CSA was the last thing on my mind at that
  2. I have recently been looking into moving from my currently rented house into another. I spent a lot of time looking for a suitable house and they seemed to disappear from the market faster than I could find them. I finally found my ideal house, ticked all the boxes and is perfect for what I need. I was the first to view the property the day after it came onto the market, as I left the house after the viewing another couple had turned up to view it. The house was excellent for me so I phoned the estate agents and was told that if I wanted to apply for it and could get my com
  3. I have just received a letter from the court for a hearing on Tuesday (I've recently moved out of my house and have been unable to get my mail for the past few weeks). I can't believe that it has come to this and I need to know what I can do; if anything to stop this from going through - can anyone help please?
  4. I was taken to court by a credit card company who failed to supply a signed copy of the agreement. Regardless of this the Judge issued a CCJ anyway, I failed to pay the money as I could not afford it. I have heard nothing from the court or the credit card company but received a letter from the Land Registry stating that a Charge Order has been ordered by the court and that the order is included. There is not court order included with the letter even though it says there is and as I have mentioned I have heard nothing from the court whatsoever! Is there anything I can do abo
  5. Right; time for an update and a little help needed. I sent a CPR letter to CL Finance; heard nothing so I submitted my defence and asked the judge to issue an order for them to supply the documents. This was issued and the court order required them to supply the documents by Monday the 8th May. I've still not received anything from them so will now ask for the case to be struck out - is there a letter template available for this? Once (or if) this sis struck out what does that actually mean? Does it mean that no matter what they can't claim again or...?
  6. I sent the following to "Resolution legal Services" after receiving their court action threat: This letter has also been ignored and I have now been sent a letter demanding payment and threatening me with an SD leading to a bankruptcy petition! What can we do about these?
  7. I sent the SAR letter to The Co-operative Bank at the beginning of this month with regards to my old Smile account. Today I received a letter from my new bank with my cheque enclosed; attached to the cheque is a note that states: My account number and sort code are clearly displayed at the top of my SAR letter and they have written to me about my accounts in the past as well as using my details in order to offset funds to repay my card account that is in dispute so they're talking rubbish. Also why have they returned the cheque to my new bank in order to return it to myself whe
  8. No this is in response to the court order issued after the claim form and then the move to my local court. I have to submit my amended defence by tomorrow as that's 14 days after I received their response to the court order.
  9. Thanks for that - I have to submit my defence 14 days after recieving the papers from Restons which would be Tuesday. I haven't heard anything from the court so I'm guessing it's just Tuesday.
  10. No problem; I thought that the DN was OK. Is there anything I can do with regards to the dodgy CCA given it has no signature anywhere and is noted page 5 (with no pages 1-4 etc)?
  11. Action required to remedy was 20th October 2008. Well that's the whole confusion - the card was with John Lewis Financial Services (Partnership Card) but Restons listed HSBC as the Claimant, I never recieved this default notice from HFC Bank back in 2008 either. In the letter from Restons they did say that they was going to change the name of the Claimant after I noted it in my defence.
  12. I have uploaded the default notice that they sent me: Page 1 Page 2 I need to know what to do now as I only have until Tuesday to submit my updated defence in response to these documents.
  13. They responded to my SAR by sending me this CCA and then responded to the court order with exactly the same but also included the Default Notice and statement of account. The Default Notice does look to be compliant (two pages that I will upload ASAP for you to view) and as mentioned above the document that is supposedly the CCA is labelled as "Page 5", does not have my signature on it (or anywhere for a signature for that matter) and has my name and address printed at the top; so this could be fresh off the printer for all I know. Whatever pages 1-4 of this have not been supplied an
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