when i had to fight this, this site was invaluable. try it ww.isitfair.co.uk the info there all checked out when cross referenced, and they beat my LO for me. and don't worry about a liability order being awarded as it is just a step the council have to take before it can start any kind of recovery, it has no effect on credit rating and won't show up anywhere in the future (unless you want to be a jp).

if you want to laugh check this, in court not only were they trying to get the costs added (approx. £35 - £40), they also tried to add another £16 on for my arrogance at challenging them in court

that was the point. i had got behind at xmas but knew i would be on time with last 2 payments. they wouldn't accept. the costs they can add are only those reasonably incurred upto that point, however they add the whole lot on and that is the point that shouldn't be happening. they don't have the power just the arrogance

the adding of costs is legal however it is at the magistrates disgression, not the council. i fought this in court and won as i had paid my bill but refused to pay the costs they had added. i rang and gave them the opportunity to drop these costs but they declined. they told me i had to pay the cost of going to court so that i wouldn't have to go to court. costs are discussed between the council and the court before you receive your bill and set then, however they should not be applied to your bill until the court awards the liability order, not at the point the summons is sent as most if not all councils seem to be doing. the point is not that costs are legal its the timing of them being applied.

i would also ask for cost to be removed as they have no right to add them, only the magistrtaes court have the power to do that!

looks to me (although the image was blurred) that their is no signature, which would make the agreement unenforcable surely.

would love to hit them with costs but it seems pointless as i only sent them one letter spec. del. so would amount to about 6 pound.

can i just ask is image 1043 the credit agreement

I would love to hit them for costs but at this time they would amount too about 5 pound for special delivery, paper, ink and envelope. Kinda pointless.

thanks might leave it for now and see if crawls out of the woodwork in a few years

hi andyorch have rang court this morning but they are running behind and should process the discontinuance by next tuesday if they have it, so wont know till then. would it be possible to chase them for proof of the debt, as i dont think they have any with such a quick dropping of the case?

update on the case i have received a notice of discontinuance from their solicitors as they don't seem to have any confidence in their case. can anyone tell me if this is the end of the debt or can they sell it on and i have to go through this again? a big thank you to 42man and all at cag for such a wonderful site. will make my donation on payday. lets keep the hope alive!

out of interest what is the difference between a cpr 18 and 31 (in small words for us thickies)?

kinda agree with 'make them aktiv runners'. no need to show all my cards

just seen second letter looks like it answers all my questions for now thanks for help will let you know outcome thanks again doggsb:)

thanks wouldn,t say worried more nervous as this is the first time i have done this, how would i get the court to adjourn or do i just send in the defence and then wait for the court date before i worry about this

how would i do this in the time frame allowed

thanks for the quick replies 42man that is a great link but leaves head spinning, can all the statement of defence be done over the internet and can i get the particulars from their solicitors in the time allowed. i have until the 15th to reply to the court

Hi totally new to this but can anyone help? Have just received a ccj claim form for an old debt from 1996 for an overdraft i think. have made no payments on this this debt for about 10 years but have received the odd letter from various dcas. Would like to know what to fill out and who to contact for what information regarding this debt and if its possible to delay the court proceedings by putting this debt into dispute. Any template letters or links to would be appreciated thanks in advance for any help you can give doggsb