yes i have im totally confused and really havent a clue what to do next

x20 you say not to go and have it set aside and deny it was sent as they cannot prove it was.... is that what your saying if it was took further

ok thanks everyone so can anyone help me with a draft for my aff

hi yes can anyone help with the draft..... one person says dont set aside others say i must one min im going next in my head im not now i really dont no i dont no what to put on forms for setting aside i dont no what to put in affidavit im going insane my head is going to explode kids driving me potty carnt consontarate hhhhhhheeeeeeeeeeeeeeeelllllllllllllllllllllpppppppppppppppp

hi thanks yes i will go and have it set aside then what will happens im so scared.... if they dont set it aside what will happen? everyone refers to me as male and im not im female but dont hold that against me lol....

me again right ill go to court monday cannot before as i cannot get their as its 40 min drive away fill in forms to have it set aside then what happends do i get a court date to appear then what what will i need to take with me?

mr ton should i or shouldnt i go and set it aside? your last statement say ill end up paying 1 a month how? want they go for bankrupsy if i dont set aside im so worried i really dont no what i should do

im confused now do i wait till the cca comes back wait the 12 days or go to court now to have it set aside ?????????????

hi was it a real demand or bluff did you speak to court before whats your story what happens now that its set aside? i dont no what to do for the best

hi thanks for that i sent them the standard downloadable letter The Loan Company Company House, Church Street, Newtown, Kent, R1 7HG Dear Sir/Madam Re:− Account/Reference Number 4563210025897412 With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement. We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. We understand a copy of our credit agreement should be supplied within 12 working days. We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. We look forward to hearing from you. Yours faithfully Mr A N Other and placed my name in and refrence number i didnt metion the sd at all,so what your saying is do nothing wait and see if they try to take it further and wait for the cca reply????????

hi yes sent for cca recorded this afternoon...was that a mistake....as for what it says on the deman it reads statutory demand under section 268(1)(a) of the insolvency act 1986.debt for liquidated sum payable immediately. everyone on forum said to send the template letter for prove of credit agreement have i now made things worse? thanks in advance

thanks for your reply i sent off for the cca with £1.00 recorded and ill see what comes back,i also contacted suffolk court they had nothing registered but suggested norwich county court might which is 30 miles away,so ive just phoned them the clerk looked and couldnt find it registered but told me to ring back tommorow as the relevant person who should really look into it for me with more detail has left for the day,the ref number on the stat doesnt correspond with anything from court he said its a long letter sequance and this is numbers their own ref number i expect. so what should i do if it hasnt been registered should i ignore it or not ? if it is genuine whats my next step as 18 days is today even though i only recieved it on saturday. thanks guys any further help would be great.

hi can anyone give me some advice been to cab today they wasnt very helpfull,well i recieved a statutory demand under section 268(1)(a) on sat 9th its now wednesday 13th august the demand is from connaught collections for a credit card debt of £1044.00 which they say is from 2004 i cannot even remember a credit card from the company style.the stat demand was sent by second class post it doesnt give detail of which court i should contact it just says on page 3 if you believe this should be set aside contact our offices and then gives there phone number. the date on their demand is the 26th july yet i got it in the post on saturday 9th august.i no i have 18 days to set aside so i went to cab and they sent me to the county court yet my local court doesnt deal with this i have to go to the next county suffolk and im in norfolk to have it set aside,yet the 18th day is today according to their letter . What will happen do you think if i dont go to suffolk and get it set aside do you think its a threat/bluff or do you think its real. i have no assetts i live with my partner and 3 kids i dont own my own house i have no savings the only thing i have is my car.and im on jobseekers. what would the next step be for them would they go as far as bankrupt me for a small debt if it went that far would they take my car as i use it each day as my mum is disabled and im on carers allowance and i have to use the car to see her and look after her each day. should i contact connaught collections or wait and see or should i send them some kind of letter im really worried i carnt even remember the debt but if its mine i coulnt afford to repay the whole amount straight away but i could offer 20.00 per month at a push but i guess they wouldnt accept such a small offer. any help would be great.

hi can anyone give me some advice been to cab today they wasnt very helpfull,well i recieved a statutory demand under section 268(1)(a) on sat 9th its now wednesday 13th august the demand is from connaught collections for a credit card debt of £1044.00 which they say is from 2004 i cannot even remember a credit card from the company style.the stat demand was sent by second class post it doesnt give detail of which court i should contact it just says on page 3 if you believe this should be set aside contact our offices and then gives there phone number. the date on their demand is the 26th july yet i got it in the post on saturday 9th august.i no i have 18 days to set aside so i went to cab and they sent me to the county court yet my local court doesnt deal with this i have to go to the next county suffolk and im in norfolk to have it set aside,yet the 18th day is today according to their letter . What will happen do you think if i dont go to suffolk and get it set aside do you think its a threat/bluff or do you think its real. i have no assetts i live with my partner and 3 kids i dont own my own house i have no savings the only thing i have is my car.and im on jobseekers. what would the next step be for them would they go as far as bankrupt me for a small debt if it went that far would they take my car as i use it each day as my mum is disabled and im on carers allowance and i have to use the car to see her and look after her each day. should i contact connaught collections or wait and see or should i send them some kind of letter im really worried i carnt even remember the debt but if its mine i coulnt afford to repay the whole amount straight away but i could offer 20.00 per month at a push but i guess they wouldnt accept such a small offer. any help would be great.