Many thanks Rebel11 RG

Good Morning All, I recently received a calim pack for WFS PPI. I am concerned that on the form they state that if all the information is not completed they will return the form. The three things I am not content with are: Telephone Number National Insurance Number and Bank Account details. I am concerned at having to give a company such as Welcome Finance my current personal details such as the above. I will only deal with this company in writing so I am certainly unwilling to give them a phone number and as any refund will come off the loan balance, how can they insist on bank account. details. I am sure I am not the only one to have these concerns, surely I can insist on not giving them these details. Many thanks for your help. RG

THank you for all your help it is appreciated. Are they actually allowed to keep a case in the County Court as a Status of Defended, surely if it stays as that status the court will eventually throw it out. Also if Lowells wanted to take this to the County Court would they have to instigate another claim? I presume they could not use the one started and left by Cohens. Many thanks and God Bless you all. RG

Hi Nice to speak again No Cohens never went to court I have not herd from the court but when I log on it says status Defended Many thanks

Hello, No it never went to court as I defended it, and Cohens never took it as far as the court.

Dear All, Yours thoughts would be appreciated. 1. July 2010 CL Finance/Cohens sent me a County Court claim for a Credit Card debt , which I defended asking for various items such as notice of assignement etc etc. 2. Heard nothing until Noveember when Cohens sent me some info re my defense, but not all the docs I asked for and requested that I withdraw my defense and maybe their clients CL Finance would accept instalments with an Income and Expenditure, otherwise they would proceed to court. This did not happen. 3. I now receive a letter from CL Finance saying they have sold the debt to lowells, and Lowells will accept a certain amount a month as an instalment. The case is still down as defended at the Court, does this sound right to all you knowledabel folk out there. MAny thanks have a good day. RG

Hi I have now acknowledged the Claim Form, sent the lette to Howard Cohen, and bullet pointed my defence on line with the Court Service along the lines of the letter. Is there anything else I need to do and what happens nexy? Thanks for all your help.

I received the papers last Thursday so I have about 14 days

Hi This is a credit card, and I am not sure if it worth defending but its a thought. If I admit the claim I understand it goes back to the claimant first and not the court, hence my first question. Thanks for your response righteous

Hi, looking for some good advice. Around three weeks ago received a letter from Howard Cohen saying a Santander debt, under £5000 had been asigned to them and a company called C L Finance. The end of this week I received a claim from Northampton County court. My question is although I am inclined to admit it, as in my present situation cannot pay much anyway but, How can I be sure if I sent the admission to Howard Cohen they will forward it on to the court, or just pretend I have ignored the summons so they can try and get what I cannot afford? Although I believe last year I received a defaut notice, I have not received a letter from Santander to say C L Finance have been assigned my case. Is this a defence, and how should I word it if so? Your help and advice is appreciated. Righteous

Hi Steve, Yes I have had many calls from MBNA, Agigis? RMA, including a post card saying they would be calling on a certain day. Told them I do not deal with financial matters on the phone so don't answer. Formal Complaint made in March for calling me at work and leaving a message with a colleague saying they were MBNA and were calling regarding a payment!!!!!!! They wrote and said they would respond to my compliant by 4 May, guess what...nothing. Sent a CCA request with a £1 postal order recorded delivery, they sent me my ORIGINAL letter back as if they had never received it asking me to resubmit it with a £1 cheque or postal order. They really are a completely unprofessional Company, who obviously think they are above and beyond the law and any guidelines. M

No it was a paper clip, I'll snd it again, surely they are not that incompetant!!!! Stapled

Hi, Last week I sent a recorded delivery letter to MBNA with a CCA request and a £1 postal order Today I received my original letter back and a one sentence letter asking to to request the CCA and send £1 cheque or PO. What are they up to, and why do you think they have deliberately lost my PO. What do you think I should do, because I can ss this heppening again if I send another PO. I find this sort of behaviour outrageous Mark Rs

Hi Not sure it will work, I owed about £300 about 4 years back and Newlyn was the bailiff. (Never spoke to them). As I wanted to pay it off and would not pay a bailiff and the Council Officials would not listen. I put my willingness to pay and spoke of the Council not being cooperative, the bailiffs not adherring to their cod of practice and E Mailed this to my Three Councillors and the Mayor. I got a letter from the Council saying as an act of good faith they would take it back, providing I paid within a certain time. Probably doesn't help but its athought. Good Luck.

Westcott Credit Services and a Debt I have never heard of for a company called MGT Ltd which I have also never heard of. They fail to answer any letters, for prrofs and ignore Formal Complaints of dispute and just issue further notices. I am going to complain to the Financial Ombudsman Service as well. Please add to list

I have received exactly the same letter, no response to my request to for proof of this debt but a fianal notice of court action. I have written a further letter titled formal compliant, which if it is not dealt with I will make a complaint to the financial ombudsman service. The complaint form can be downloaded on line. There is no way a debt that don't exist and is unowed should be persued with impunity.