Today I recieved a letter from the court which states: Before An Officer Of The Court sitting at Northampton County Court Northampton NN1 3QH. Upon non compliance with court order of the 05 January 2009 IT IS ORDERED that The claim is struck out. Dated 13 March 2009 Now I have this letter what do you suggest my next action should be, does this now mean they have no more legal power to hassle me?

stay with us big fella, your help is needed

so should i send them a letter?

I've been in touch with the courts and the case was struck out, they will be sending a letter out to me. I asked if howard cohen should still be refering to the claim number on there letters and the court said they could apply to the judge to re-open the claim. But for now the claim is struck out. So what next

I had a claim against my by CL finance they didnt follow it up and i had a letter from the court stating that 'if the allocation questionaire was not recieved from CL finance the claim will be struck out'. I phoned the court the day after and was informed that the case was struck out.. CL are stil claiming the the case is open. Should i have recieved a letter from the court, this happened back in jan?

ok will do, look for an update tomorrow. Thanks

I'm not sure that I recieved anything i writing from the court, I phoned them the day after the deadline day and they told me it had been struck out. I then recieved a letter from Cohen's saying they were not pursuing legal action as long as i paid £20 per month.

Well Howard Cohen & co finally go in touch. I recieved a letter today which states the following Dear Mr******* RE: CL Finance LTD and Yourself - Balance £****.** Northampton - 8XXXXXXX89 it is with concern that we note you have not made payment of this debt as arranged. Further delay cannot be tolerated and you should note that if a remittance is not received at this office BY RETURN OF POST our instructions are to apply to the Court for Judgement to be entered against you. If this course of action is necessary further costs will be incurred which you will be responsible. These costs will be added to the judgement debt. We trust that the above mentioned action will not be necessary but should we no receive payment no further notice will be given. If you wish to discuss this matter please telephone 0870 751 3281 Yours faithfully Howard Cohen & Co It looks like a standard letter to me, what do you think I should do now? They are claim number is the same number that was struck out.

How do you stop the chances of a DCA sending round a door collector? It has'nt happened yet but they do tend to threat about it every now and then, is there a letter i could send?

ok will do, I will let you know how it goes.

Thanks Creditcard mug.. just one last question before I send it off. My defence for the last claim was not based on the fact that no credit aggrement was in exsistance athough i did request it during the claim, the defence was based on the fact that I had not missed a payment to HFC. I get the feeling that Cohens are going to send another claim through anytime. If your letter advise still applies its in the post tomorrow. thanks again

Thats correct once the claim was struck out i sent the account in dispute/default letter then stopped payments.

What methods are still available to the DCA to get the money back if no credit agreement?

Could they use the fact that I had been paying £20 per month against me in court and how would a judge view this?

I sent CL finace a default notice to the CCA request and stopped payments. Then I had a call from CL finance stating that I should continue payments and the default notice for the CCA request was not valid. I advised them that I would not discuss this over the phone and they should sent it to me in writing. Its been a couple of weeks since the telephone call and I havent reiceved anything through the post and its all very quite, I would like to send another letter but not sure what to put? Any advise would be good

Hi I'm hoping someone can help me out please? Originally I had a Marbles card taken out in 2002, I found myself in finacial difficulties in 2005 and agreed a reduced repayment with Marbles (HFC bank) for £20 per month. Around june 2008 I recieved a letter from a company called CL finace requesting payment £20 or legal action will be taken against me. I phoned CL finance they told me they now owend the debt from HFC and I should now pay them. I continued to pay HFC for the next month then I recieved a N1 court claim from howard coheen on behalf of CL finance claiming £5100 the amount i owed HFC. After seeking advice from citizens advice I defended the claim and also after seeing this great web site I sent in a CCA request. CL Finance sent me a response saying they will provide me with the information as soon as they can. I then recieved the allocation questioner from the court which i filled in a returned. after about 2 weeks the case was struck out as howard coheen had not returned thier allocation questioner. I recieved a letter from howard coheen 12th Jan 09 stating that they did not want to pursue legal actiona and that payments should continue at £20. I have sent CL finance a default notice for the CCA request sent. I had a call from CL finance stating that I should continue payments and the default notice for the CCA request was not valid. I advised them that I would not discuss this over the phone and they should sent it to me in writing. I've not recieved anything yet and feel i need to send them something? Any ideas?

Thanks for all the help. As I thought I will send the CCA request off and let you know how I get on. Does anyone know of anything negative that could happen by requesting a CCA, well apart from the fact they might produce a valid one?

Hi I need some help on the best way to handle cabot. I Originally owned a Morgan and Stanley card that I applied for in 2003, in 2005 I found my financial situation changed and I could no longer afford the repayments so I agreed a reduced payment £20 per month and fixed interest. Cabot acquired this account last summer and has been a real pain ever since. I’ve never managed to get a fully agreed repayment plan in place with them and then I found out yesterday that they have been adding interest to the account ever since they got it turning my £5200 debt into £6500, I have been making payments to them each month. Not to sure how to handle Cabot anyone got any experience? Should I send a CCA request? Any other ideas?

Thanks bazzar, I've have now set a new thread up.

Thanks 42man for your reply. CL Finance have already had the request and the time has elapsed so I guess sending it to HFC wont hurt. I'm just worried that if I stop payments they will just start the previous claim.

Sorry to jump in but I have also had a bad experience with CL Finance and need advise Originally I had a Marbles card taken out in 2002, I found myself in finacial difficulties in 2005 and agreed a reduced repayment with Marbles (HFC bank) for £20 per month. Around june 2008 I recieved a letter from a company called CL finace requesting payment £20 or legal action will be taken against me. I phoned CL finance they told me they now owend the debt from HFC and I should now pay them. I continued to pay HFC for the next month then I recieved a N1 court claim from howard coheen on behalf of CL finance claiming £5100 the amount i owed HFC. After seeking advice from citizens advice I defended the claim and also after seeing this great web site I sent in a CCA request. CL Finance sent me a response saying they will provide me with the information as soon as they can. I then recieved the allocation questioner from the court which i filled in a returned. after about 2 weeks the case was struck out as howard coheen hadf not returned thier allocation questioner. I recieved a letter from howard coheen last week 12th Jan stating that they did not want to pursue legal actiona and that payments should continue at £20. I really need to know what steps to take next as I get the feeling that no CCA exists If I pursue the CCA request and send them a default letter stating that I will be not sending any payments while in dispute can they restart the claim?

Hi I'm hoping someone can help me out please? Originally I had a Marbles card taken out in 2002, I found myself in finacial difficulties in 2005 and agreed a reduced repayment with Marbles (HFC bank) for £20 per month. Around june 2008 I recieved a letter from a company called CL finace requesting payment £20 or legal action will be taken against me. I phoned CL finance they told me they now owend the debt from HFC and I should now pay them. I continued to pay HFC for the next month then I recieved a N1 court claim from howard coheen on behalf of CL finance claiming £5100 the amount i owed HFC. After seeking advice from citizens advice I defended the claim and also after seeing this great web site I sent in a CCA request. CL Finance sent me a response saying they will provide me with the information as soon as they can. I then recieved the allocation questioner from the court which i filled in a returned. after about 2 weeks the case was struck out as howard coheen hadf not returned thier allocation questioner. I recieved a letter from howard coheen last week 12th Jan stating that they did not want to pursue legal actiona and that payments should continue at £20. I really need to know what steps to take next as I get the feeling that no CCA exists If I pursue the CCA request and send them a default letter stating that I will be not sending any payments while in dispute can they restart the claim?