Hi Guys, Attached is my proposed defence and what I think it means !! Any good ? In My Defence.doc What I think it means.doc

Me again !! No word from solicitor so assume I should file a holding defence ASAP (deadline 19/10/2009) Sound about right ?

Right, court rec'd acknowledgement of claim on Friday. No response to request for info from Westcot solicitors. I assume, I give them enough time as stated in my letter (that which they are allowed by statute) and if nothing rec'd, submit a defence based on non-disclosure. Is that about right

Letters sent. Will chase the solicitor in 5 or 6 days.

Thank you for all that !! 3 questions; I never requested a CCA formally, just in a phonecall. Take that bit out ? Send BOTH Letters to Neslon Guest? Finally, I'm a kinda pessimistic guy (years of being beaten by the big companies I suppose), What, if any, is the downside of filing a defence. I know I owe them some money but I also recognise that some of it is made up of unlawul charges. What is the courts view on defending a partially valid claim?

Just a response pack and the notes on comletion

Afternoon chaps, thanks for all the previous advice. I called the court today who confirmed that this is genuine. Coud you peruse my CPR request and make sure it's OK? Thanks. Should I send to to Nelson guest who are named as the solicitors and address for correspondence or Westcot SPV, the claimants? Thanks (x 10 million) Mr R Ashley.doc

Morning, I have never been sent anything that I had to sign for. I assume I should carry on with the defence and CPR to prove this?

Morning, any ideas chaps?

For some reason, I really hope I'm not being taken in. I'll find a scanner, but in the meantime, it's on Blue Paper and came with a response pack and notes. It has a stamp, rather than a seal where it says SEAL. Came in a plain hand writen envelope (with wrong postcode and My dateof birth missing on the form) POC says; "1. The Claimants claim is for £xxxxx beingmonies owning (sic) to the Claimant due under a crediy agreement. 2. Under an agreement between MBNA and Wescot SPV Ltd, MBNA sold and assigned all rights, titles and interest, under this credit agreemnet to Westcot SPV ltd. 3. The sum of xxxx remains outstanding despite repeated demands. and the claimant claims 1. £xxxx 2. Interest pursuant etc..." Finally, there is a case number, how do I check this? Thanks guys. Sorry, forgot. Think I got an LBA, but so much been going on can't swear to ot. Only wording at top of form is "Claim Form"

Thanks Guys, No scanner I'm afraid, but definately NEVER had a deed of assignment delivered in any manner. Basically, I know I owe, if I have to pay, I just wanna pay what I owe, NOT what they have decided to add on in charges. £1 a week sounds like too much to me !!! (Joking, although it does make you wonder why you bother working sometimes.) I'll do a CPR request and post it up for review if that's OK.

Looks pretty real to me ! Firstly, let me just say that I'm not trying to wriggle my way out of this. I do owe the guys some cash. However, I do NOT want to pay any unlawful charges. What I'd like to do is try and agree, either with Westcot or the court, a repayment schedule that suits both parties until the amount, excluding said charges, is cleared. So, the question is how do I complete the court thingy, do I contest some of the amount, as yet unknown? By the way, the original phonecall was from Westcot, Westcot are taking me to court. I think I rec's a letter before action. Anything else required, let me know.

Morning Guy's, need some serious help. Had a phonecall from Wescot about three weeks ago regarding an old (NOT Statute Barred) Credit Card debt from MBNA. Told them I would CCA and statement request them, but don't get paid untilMonday so thought I'd leave it until then. Guess what, this morning a Claim Form from Kingston Upon Hull drops through the door asking for £5.7K. No idea yet how much is charges or whether they have a completed CCA. I'm sure I owe them some and would like to offer a payment plan, but given the fact that I have no statements and no CCA, unsure what next course of action is. Could really do with yet more help !!! Rashley

Anyone help ? I got the attached email, but can't find the post !!!!! not_happy has just replied to a thread you have subscribed to entitled - allied international credit - in the Other Institutions forum of The Consumer Forums. This thread is located at: http://www.consumeractiongroup.co.uk/forum/other-institutions/18315-allied-international-credit-new-post.html Here is the message that has just been posted: *************** Hello Steven, I have seen some of your replies on AIC and I wanted to get some advice from you. I tried to start a new thread without success. I had a call yesterday from a guy from AIC who basically told me my debt had been passed to them from AMEX. It is for £7900 however he told me the money had to be paid then and there in full. However there we extra changes I had to pay for which made the total £9100. He informed me if I did not pay the money straight away they would start court proceedings for forced bankruptcy. I am very scared this threat is very real. I sent a CCA straight away as well as a SAR to both AIC and AMEX. I was reading some other information on other forums which tell me they could force court action and a judge could force me to sell my house. I did offer AIC to pay £1000 as a start and some monthly payments on it however he was not interested and was very rude to me. After reading the forums I concluded that I should only be communicating with them in writing. This morning I got another call from this person at AIC where I asked him to send all correspondance in writing - he said no and informed me it was a courtesy call to tell me on thursday they will be start the process of court action and hung up. I am feeling quite nervous, I am a director of a company and if I go into bankruptcy I will loose everything including my business. Any help would be really appreciated.

Hi all, I've got one with this lot as well, and I find them quite intimidating. Basically, I have requested a CCA and got one from RBS, but these peeps refused point blank to accept instalments and insisted that they would make me bankrupt. I live in social housing and don't own a car so I have nothing !! I was going to write to explain that all correspondence must be in writing and make a reasonable offer of monthly instalments. By the sound of some of the other postings, they probably wouldn't acept it, but is it worth a try ? Thanks.