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About calamoli

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  1. Whoops, I also meant to ask, if I will be able to defend the second claim, could someone please point me in the direction of a suitable letter to send to Sigma regarding split claims and possibly the original dispute/ HSBC being unable to supply a CCA, something along those lines. Thank you very much. CM.
  2. Hello and thank you for responding, for what it's worth Andy, I did follow the link you kindly provided at #2 and it certainly helped me with my defence, so I am very sorry you feel that I didn't take your advice. I very much regret sending it by post and realise it was an incredibly stupid thing to do. At the time I felt it would be better to put it in writing but obviously that's come back to bite me very hard, which I know serves me right, but all I can do is try to make the best of it from this point forward. I assure you that I am very grateful for any help and advice that I get from
  3. Thank you very much for your response, I will certainly contact the court about the situation and set-aside. Obviously, as i have very little knowledge or experience of the matter, I can only plead with you wise and wonderful CAG members to advise me on the process, because without you i am lost. In addition, could you please confirm if i would be correct in thinking that as HSBC (or Midland Bank as it was 25+ years ago, when the account was opened) could not provide a CCA at all (nor any paperwork with personal details, let alone a signature) and the fact that the account has been in dis
  4. Hello again, I am back to ask for your help & advice following recent events that have complicated my situation regarding this post & left me distraught & terrified. I have been through some devastating personal issues recently & that's why I have not been here in a while. However, I did take your previous advice to ensure my defence was completed & posted in reasonable time. Due to events I faced at the time, I stupidly put the envelope into a post box that evening, rather than using Recorded Delivery the next morning. I recently returned & was horrified to d
  5. Update: Just wanted to let you know that after looking at the claim form in more detail (I hadn't when I posted earlier & was in a panic timewise) I have now answered my own question re the 'acknowledgement of service' & I have just submitted my intention to defend the whole claim online. This also means that it was done within the 14 day deadline. Phew! Now I have a little time to start working on the defence & I could really use some good advice for that one. Obviously, this will have to be more specific & geared to individual circumstances. I'll keep studying.
  6. Hello, apologies for my delay in posting - I had to drop everything & drive 300 miles to be with a friend who received some very bad news & only got back last night. Very bad timing with regard to this matter, as I now only have a couple of days left to do this 'acknowledgement of service' & have no clue what I'm doing. Thank you Andy for the link you supplied, I'm going to start reading now & I really do appreciate it. And to Knet2020, I was so happy to read your post. It will be awesome to be in contact with someone going through the same, though you obviously
  7. :sad:Hello to all, I am very badly in need of some good advice & help regarding a court claim form from "Sigma", in the sum of £364.99 & received last friday.This is supposedly for "part only of monies due" & is made up of fee's & costs. I did post last friday on another very similar thread, but i'm gutted to have got no response. I'm desperate for help, so i've started my own in the hope that more members will see it. I'm going to cut & paste some of that post here, as I don't know how to provide a link for it - apologies for my lack of PC skills. I will how
  8. Hello to pabrmu, rayin & anyone else kind enough to offer their advice & expertise to our plight. I wanted to introduce myself & hopefully connect with you, as this thread closely mirrors my own & I am desperate for some help. Have you made any progress since posting this thread? Unfortunately, serious health issues have kept me away for quite some time & make it hard for me to keep going at times. So receiving my own near identical copy of the Sigma letter you have posted here, really devastated me this morning. After comparing, they are the same, right down to the
  9. Hello again to all, thanks so much for your input & advice, I really do appreciate it. It's been difficult to get online for the last week. as we've all been struck down with a horrible bug. I have popped in briefly to read any replies but that's all I could manage til now so apologies for that. I've come online now, to share the very upsetting incident that has just occurred here, in the hope of some more of your great advice. Despite my writing to Redwood Collections & the 2nd Davis Coleman guy, to explain the reasons that they should not be threatening to attend our h
  10. Hi BB & thanks for the very useful links & your input regarding Redwood. It's good to hear from someone that maybe has experience of them & their 'business practice'. Apologies, but I have obviously not explained clearly enough the situation regarding both companies so to clarify, Redwood are the ones that have been calling our landline & mobile phones for the last 6wks or so. As our numbers are x-directory & protected fiercely, they have to be the instigators as they could only have got this info from the school files. Although Davis Coleman have more recently been torment
  11. Hello again & thanks so much for your replies. As of yesterday, I know have an update regarding this matter & would really appreciate your thoughts a I am back to square one & pretty upset all over again. It all went quiet after my letter's to Davis Coleman (head office & their prince charming of the doorstep) so I guess that led me to believe that they had finally got the message & gone away. Additionally, my PC finally threw in the towel & as I just don't have the means to replace it at the moment, I have been pretty much unable to get online. After yesterda
  12. Hello again, apologies for not updating sooner, especially after such great support & advice. I've been wanting to get online for days but with perfect timing, my PC went loopy & it had to go off for therapy - have to say I wish I could've gone too! Rockwell: thanks once again for making me smile (2 in the space of a week is good going for me of late). It really helps to know you are there - CAG are awesome! Anyway, to update our situation, I have now received an acknowledement letter from the school owner's head office, thanking me for contacting them & promising t
  13. Hello again, thank you for saying that Rockwell - 1st time i've smiled for quite a while! I wish you could be here too, lol - he wouldn't be so brave then would he! I'll sort something out for Monday if the other half is working away again - guess I should be thankful that at least he won't be able to use my shock against me this time. I'll be packing the kids off for the night though, they've seen more than they ever should have already. Yes I took your advice & spoke to a lady at Consumer Direct this afternoon (I did call my local Trading Standards but they redirected the call.) Got
  14. Once again, thank you so much for the advice & the operations manager info & letter idea rockwell - i'll prepare it now but wait a few hours before going to the post office, just in case anyone has time to check it, as you hoped they might. This is awful at the moment - i'm shattered but I can't sleep a wink cos i'm so scared that he'll be back here soon. I'm not usually such a wuss but if you can't feel safe at home, then what's left? I'm trying to keep calm for the children's sake & my surgeon's orders - but it's easier said than done. I'm amazed how quickly my post has disa
  15. Hello again & thank you so much for your replies & advice, it really means a lot. In response to your comments: Rockwell304: No, the SD has not been served. When the Davis Coleman guy came to our door last week & asked for my Husband, I asked him what he wanted, he said "to give him something" - so I basically told him to go away or i'd call the police. He was rude & intimidating but he did go. At the time, I just assumed he was here regarding other matters re our useless 'claims co helpers'. Then 2 days ago, he sent a letter to my Hubby, stating that he'd been there to se
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