At last These parasites are laid open for all to see. God I feel so much better just watching this as a lot more people will hopefully know how to deal with them in the future 1 hour isn't long enough

Thanks guys need to check what judges order said 42man must say this is a lot easier 2nd time around, remember what I was like a few months ago with 1st crud LOL My main question is - can I tell Connaught that debt is in dispute if I am paying monthly through DMP or will it make me look stupid as they can point out that if it's in dispute why am I making a monthly payment Still waiting for copy of CCA from 1st crud which was requested about 5 months ago & still never received

Thanks 42 man should I contact them or go through my DMC? what do you reckon would be best as I think to keep paying would keep the court happy as this was the reason for the set aside being granted

sorry guys forgot to add the bottom bit - In the event of non settlement their client reserves the right to issue legal proceedings (do we think this would be ANOTHER STAT DEMAND LOL) Can anyone tell me if these lot go to the same thicky school?

Hi everyone I hope you are all well & today seems to be an apt day for me to be posting an update with my situation As my previous posts explain I was issued a stat demand by 1st crud last year & ended up in court wher I was told by the judge that 1st Cruds solicitors (LCS) would not object to the set aside of my stat demand because I was paying 1st crud through my debt management plan. I have heard nothing more from 1st crud, however today I recived a letter from Connaught (sent 2nd class) saying that THEIR CLIENT 1st crud/cf (surely cannot be both of them as cf was 1st cruds client?) have instructed them to recover the overdue amount & understand that i have been furnished with the full details of their clients claim (do they mean the garbage I got through from 1st crud when they were chasing the debt?) & as Connaught are unaware of any reason that payment be witheld they expect full settlement within 7 days I am just wondering should I hit them with the "I still haven't received the CCA I asked for from 1st crud at the start of August" or the "Well the stat demand was set aside because your client has no objection to me paying through my debt management company" Any suggestions as to my next move? thanks all

Thanks Wingus What's your story?

HAK Got it,many thanks SN

Thanks bb How's uni?

LOL that's true Yeah send me a copy please How are things with you anyway?

Hi HAK Sorry to sound a bit down but it doesn't feel like a victory He said that they (1st Credit) had agreed to set aside because I was paying through my debt management plan (this would be the one that they never accepted or ignored when they wanted FULL PAYMENT) & that I had obviously been paying them something through this It is more likely that they have never supplied my cca, so when I started to ask about costs he basically said best to leave while I was ahead (didn't know whether to laugh or cry) Anyway a BIG THANK YOU TO EVERYONE WHO HAS HELPED ME (ESPECIALLY 42man) I hope I can help many others

Hi Juimmy Good luck with these lot, they are a right bunch Are you in a debt management plan & if so is your Aqua account part of it. If so get your debt management company to send them an Income & Expendiyure form with an offer of a monthly payment that YOU CAN AFFORD Do as Switch says, request a cca (there are template letters for this which I am sure others can post for you to use) What you must remember is DO NOT SIGN THE LETTER just print your name Your debt is under £750 so I don't believe they can bankrupt you (though they may try to scare you in their letters) Do not panic, I did when I first had contact with them but you will get very good advice on here

u2 smt Chuffed for you Hardly got a chance to ask for costs, judge said better to leave while I was ahead U?

Hi 42man Yeah got it set aside

Ha Ha Keep looking, keep looking Check your PM's 42man

Thanks guys I will, should I admit that I have received it though, or say no which might annoy the judge?

Thanks 42man I have received a letter from 1st Credit's solicitors saying that there client consents to the setting aside of my stat demand & have informed the court, but would like me to confirm that I have withdrawn the application Any ideas anyone?

Well done Vamp Chuffed to bits for you, I hope mine goes the same way

Well Still haven't heard anything from 1st Credit Now had final demand from Metropolitan Collection for bank overdraft because they reckon my dmc didn't contact them earlier this month to say my payment would be late Spoke to them & they have agreed to keep my payments through the plan but will not confirm this in writing. They tried to ask me if I was a home owner with mortgage etc so wonder if they don't honour what they have said tonight, I shall make my payment & see

Hi HAK When is your hearing & how soon before it did they contact you? Mines is in a couple of weeks & I have not had any contact about my cca request which is well over the 12 + 2 days apart from them acknowlodging my request

Thanks mm I hope so, they are over the 14 days for supplying the cca, but what I want to confirm is if they produce it between now & the hearing can it be used or not

Thanks 42man I have received a reply from the court with my hearing date (2nd week in October) but nothing else There is a number on the letter, and you are more than welcome to attend as is anyone else out there MOB RULE LOL

sorry guys completely lost me here!!

Hi bb & mm So does that then mean that 1st Credit have bought the debt (been assigned it) as they are the name on the SD & therefore THEY should supply me with the CCA & if they have contaced OC for this then it would be null & void or on the other hand if the OC are STILL the creditor have 1st Credit broken the law by naming THEMSELVES as the creditor on the SD I haven't spoken with TS yet but I think it may be a good idea, any opinions

Hi bb How should I query it with 1st cred as they say in their cca response that they have contacted their client - should I not also contact original crditor to see who owns it now

suppose I shall have to wait for the hearing (if I receive one) to bring that up