thanks bb Bit confused though - on the SD it has 1st Credit as the creditor (the people I now allegedly owe the money too however in reply to my cca they have passed onto their clients for them to send me a copy of the agreement Surely 1st cred should have this if they are the creditor named on the SD? Have you also noticed that whatever letter you get from them (and whichever department) it is the same copied signature on each one (god that person must be busy

Well applied for the set aside so just waiting to hear now

Hi all Is it me being thick and/or not understanding the process for having an SD set aside I am going to hands my forms & swear my affadavit today - Is this all that will be happening today? The court said I should receive a letter within a week (will this letter tell me if it has been set aside & give me a date for the hearing? What happens if it isn't granted set aside - will I then get a letter about a bankrupcy hearing (and what do I do then) Any clarification would be greatly appreciated

Hi All spoke with my county court today & she was very helpful - said I can go in & they will help me with my forms etc. She also said that you have 28 days from issue of SD to apply (don't think that is true) so going in to sort with them. All I need are my forms & SD letter from 1st Credit at this stage Thanks for all your help everyone, it is very confusing when you are not wise on how things work, I still need help as to where to clarify my reasons for having it set aside as points 1 - 8 don't seem to cover me I am really concerned about whether I should own up to the debt or not & if not why Any suggestions would again be welcome Thanks

Thanks bb I am reading the thread"1st Credit not complying with stat barred debt" & on there some are saying because the stat demand letter from 1st Credit doesn't specify which court this isreason for a set aside. Can anyone confirm if this is true as my letter doesn't state a court so I am taking to my nearest available

Is date of service the day you received it? or theday it was written on? as there are 4 days in between Where does 7 days from posted come into it, every thread I have read on this has said 18 days (normally) none have ever mentioned 7 days on a posted one (which mine was) Still not clear on how to fill my forms in correctly Any more suggestions Thanks

Hi anybody Any suggestions to my last post PLEASE Thanks

Hi HAK Is that enough to have it set aside as the time limit for the CCA request isn't up yet & is very tight time schedule for this (or can I still use the CCA as I have already requested it) Having looked at the forms I cannot see where I put these reasons as they don't see to be listed Sorry for sounding thick but I want to make sure that I have these forms spot on Can anyone confirm is it 18 days from date of letter or date I received it (suppose you could put any date if they posted it 2nd class?)

Hi Guys Just about to fill in my set aside forms & have become worried on what is on the forms as to what 42man said a few notes ago Can anyone settle my nerves please

Thanks 42man How long before I know if it has been set aside or not?

Thamks 42man Can I use the forma I have downloaded from here or do I have to have ones from the court & is it best to fill them in before I go or when I arrive there?

Morning All I am going to sort my set aside in the next couple of days & I want to make sure the reasons for the set aside are correct as in #42 by 42man Can I use non production of a CCA as it is still within the time allowed for them to produce it They issued the SD before I requested my CCA (does this make any difference) Do I admit on the affadavit I have received my SD (it was posted by them but I don't have the envelope Are the 6.4 & 6.5 forms I have downloaded from here sufficient as they have no headings on them? Any help would be greatly appreciated

Thanks ccm You & the other guys (& girls) have been ever so helpful & supportive I have just been reading the harassment from 1st c redit thread & I am wondering if I should send any further letters as the last time I spoke to them I had a female (got her first name) ask me about me borrowing money from family &/or friends to pay the £1000 payment she wanted within 7 days as i had already told her that there was no way that I could pay it (offered to pay about 1/2 of that by the end of this month & try to set up a monthly payment arrangement with them but she said no as I hadn't made any contact with them for 6 weeks) There are voicemails on my mobile which I haven't listened to yet but would imagine they are from them What do you think & are there any letter templates for these letters Again thanks

Thanks ccm I'm sorry I just sound pathetic but it is really starting to worry me I have forma 6.4 & 6.5 downlaoded that babybear told me about The worries I have is that 1st Credit know I'm a h/o etc as I blabbed it out when I first spoke to them not knowing what they were going to be like. Also unlike quite a lot on these forums my original debt is only a couple of years old & I know I still owe it, so is swearing an affadavit a bad move Would they help me at the court to fill the forms in or will I need to do them myself (daunting) Is it worthwhile contacting 1st Credit & seeing if I can increase payments by anyway & if they refuse I could use that in court? Sorry to babble but I want to ensure I am doing everything right I shall contact my local court tomorrow to see that they deal with this

Thanks ccm Do you know if they will help me fill in the forms & what exactly is swearing an affadavit? I sent them a cca request a few days ago

I received it on Saturday & I am sure it was 2nd class

Hi ccm Forgive the ignorance, when are the 18 days from?

Hi miss muppett How do I get the affadavit & how do I fill it in Thanks

How did you go about applying for it & how long did it take Was it your local county court?

Is it best to apply for my set aside now or as soon as the 12 + 2 days is up?

Did you apply for your set aside while you were waiting for your CCA or did u wait until the time limit was up?

Hi 42man Thanks for your advice, the only thing is I believe they did send me a default or does that not matter? Do you think I should apply for set aside as soon as the 12 + 2 days are up or before (as they might supply CCA within the time & I will have already have given it as a reason for the set aside?) Hi ccm I have left a reply to Fizz (great news & makes me feel a bit better)

Well done Fizz I am delighted for you I received one from them last week so have written to them for CCA Any advice as to what you did that I could do will be greatly appreciated

I have been reading the letter of assignment from my original creditor & the ammount that they say is the balance is the same as the balance demanded by 1st Credit on their SD (is actually less now as 1st Credit seem to be taking payment made to them through my debt management plan) I did notice though that before the account was assigned to 1st Credit another company (NCO) had written to me asking for payment & the ammount was less then Does this give me a reason for the SD to be set aside

Thanks ccm I'll see if I can contact him