thanks do they both need to be done at the same time? im a bit skint and cant really afford the £65 to set the judgement aside!

Thanks steven and goldlady Ive been a bit of an ostrich about this and completely avoided it as I have had no further letters since the form to set aside judjement. Will it be to late to get them to set aside the judgement now? or can i still go ahead with the above..im panicking a bit now!!! I have copied and filled in the blanks in the defence that you sent steven but im unsure of the interest rate should i go ahead with the 29.9% also im unsure that ive done the interest right - for example a £15 charge on 16.09.2001 is coming up as £60.11 does that sound right? Also do i still need to apply to set aside the judgement aswell (if its not too late) as sending this?

thanks goldlady do you know the outcome yet? as I have heard nothing else ill try that approach

thanks vinegarvera can anyone else help me?

can anyone help me with this? its getting urgent now

anyone!!!!

hi sorry to persist but can anyone help me with my defence?

Did i post the right stuff?

Particulars of Claim perhaps!! The Claimants claim is for the sum of £351.01 being moneies due from the Defendant to the Claimant under a regulated credit agreement between the Defendant and GE Capital bank Ltd under reference xxxxxxxxxxxxxxxx and assigned to the Claimant on the 18th July 2007, notice of which has been given to the Defendant. The Defendant has failed to make payment in accordance with the terms of the agreement and a default notice has been served upon Defendant to section 87(1) of the Consumer Credit act 1974. Pursuant to clause 7 of the agreement, the Claimant also claims contractual interest at a rate of 26.478% per annum from the date of these proceedings to the dat eof judgement, or sooner payment, accruing at a daily rate of £0.39. hope this is what you meant

sorry - whats a POC??

can anyone help me with this

ok ive worked that out Interest works out to £277.32 making a grand total of £ 580.32 much more than they are claiming against me anyone no what i should do now? Rory are you out there anywhere??????

thats really confused me!!! can i just divide the total from the 8% by 8 and multiply by 30?

Ive used the charges template from the library but the interest is calculated at 8% how do i change this to 30%...sorry if im being a bit thick!!!! Also any advice on the defence ?

any ideas anyone?

ive got the letter from the courts to ste aside the judgement - what now do i just assume 30% re the interest?

i have absolutely no idea :o

No thats a good point...am i to trust them that these are all the charges applied as they havent sent me the statements etc.

Hello Received a letter today from GE in response to the SAR detailing all the charges applied to the account since September 2001 but no statements or anything else requested in the CPR letter. According to them the charges total £303 so the amount that GE is claimimg (£351.01 + £40 court fee and £50 solicitors cost) is predominantly made up of charges

Thanks Rory Id be lost without you

SAR was sent 15/08 so that takes me to mid october presuming i cant include weekends in the 40 days!! any advice?

The solictors are going to set the judjement aside for 7 days, but say they wont supply me with any of the info requested because i havent sent any payment - (i sent the cheque for £10 to Ge cashed 21/08) and that i should contact GE, she also said that i couldnt give specify a time for them to supply me with the information. I check when i sent the SAR but i dont think the 7 days will be enough time!!!what shall i do?

the solicitor is looking in to it at the moment and is going to call me back. ive just realised that today is the date that they should should have responded with the requested info. but i havent filed a defence have i screwed up????????????

they are going to send me a form to apply to set the judgement aside, and in the meantime told me to contact the solicitor, which im going to do now

ok ill do it now. i havent filed a defence just sent the cpr letter