Yes I missed the first which was extended till today. The pursuer is going for not enough evidence to support claim. I have since filed another defence with help of an english law firm who speciliase in consumer credit act. They cant help with teh scottish courts.

I have a similar problem with cap one and lowell. A credit card with a £200 limit and with charges they are seeking about £800. I went through my statements and calculated over £1000 in charges and have told lowell that I am only dealing with cap one. cap one offered about 270 back. I am in the process of compiling a second letter to reject the offer and threaten legal action. defaults can be removed from your credit file if put on for charges. Send a CCA request to cap one, ask for a list of charges and claim them back. Send lowell a letter asking for a copy of the deed of assignment and tell them that you will not deal with them until you resolve your issues with cap one. Lowell also used red group as well. dont know if that helps. There are a few companies that will take cases on on a no win no fee basis. they can check if defaults can be removed.

Hi, I am due in court in the morning to defend a case for a personal loan. I have had the agreement looked over by a solicitor and drafted our defense. I am claiming the loan is un enforceable due to non compliance with the consumer credit act. Does anyone know what the process is. (Scottish Court) This is the options hearing. Regards Vitalspark

0161 475 2858 That number is for Moorcroft debt recovery or midas leagl services. Depends what they fancy calling themselves.

yes it is:(

Today I received a letter from David D Jones LLb with a copy of a Personal Loan Agreement and terms and conditions. Is this a consumer credit agreeement or just a loan application? Also there is only one name typed on the agreement and the second name hand written in. Does that mean only the typed person would be liable?

think last payments were in 2003. they have not sent the ca as requested. will be defending in court so any help appreciated.

Hi, I have received an initial writ from TBI Financial services. This is for an old HFC loan which I had back in 2001. I have sent letters asking for a copy of the assination of the debt from HFC to them and also asked for a copy of the original signed CCA. (Template letters from this site). I received a letter back saying they were disapointed and not happy with the tone of the letter. No further feedback from them until today when a initial writ was posted through the door (not even in an envelope) stating they will produce the credit agreement in court. The debt is £10,423.98 plus interest at 8%. What should my defence be? Any other advice. Thanks Vitalspark