Spirits lifted thank you 42man and BRW BRW yes i have the SAR request pack which is where i got the 'default' notice from. I need to reread your post to ensure i have got it all right and understand exactly what you are saying then go through the statements and collate all the charges and total them up. Then i guess i file a counter claim for the charges plus interest.??

cheers, i have isolated the default notice they have claimed to have sent. i am not at a scanner now but will scan it first thing in morning. Interestingly? the terms and conditions sent with the SAR pack are different to the ones they sent and claimed were on the back of the application form (in response to cca request) In order to go on the offensive for charges do i need to go through each statement and tot it up? do i total all charges? Is there anything else i can get from the SAR pack?

No, I have informed the court i am awaiting surgery and cannot attend until after that. I have heard nothing back from the court or from SD I have received the SAR pack from amex but have not gone through it yet (its a daunting bunch of papers) Trader X

I have written to the court and said I cant attend until i have surgery. I have now received the SAR pack from Amex and will start to go through it tonight. Is there anyting in particular i am looking for (its the size of a telephone book) Thanks

Just returned from Court. EGG/Hl Legal didnt show up. Judge ordered I pay £1 a month. I did ask him if he even needed to do that and he said he did. I asked if EGG could challenge it, he replied he didnt think they could as they hadnt bothered turning up to their own case. What do you guys think?

yes but say what?

help!

really confused!

THis looks like i have submitted an n245 form. I dont recall ever doing that.

Hi Guys, I have just received my monthly post from my old address and have a few nasty letters this is one. I need to do something before the 20th Feb. Can someone give me quick advice on the process to follow. Thanks in advance. Trader x

Sorry for 'abandoning' this thread but had a bit to deal with............ I am taking all the previous posts information in, but it is all quite confusing. I have a couple of simple questions (i think) I SAR'd Amex and got back the letter i posted before and photocopies of my alleged agreement. what i didnt get was any information they hold on me or any statements or any info on charges etc. which is what i wanted. Should i have sent a 'CPR' request? confused The 40 days isnt up i should add but the letter seemed pretty final. The judge at the last sitting gave their sols 14 days to file the next statement, i have heard anything as yet. I know a bit of leeway is given but at what point does that leeway end. I am writing to the solicitors to tell them of my ill health and informing them that i wont be able to attend court until after i have surgery.

apologies for absence. Have had a bit of shocking news, been diagnosed with heart disease and am now awaiting surgery.................... This is not totally unrelated to stress of this and previous stuff, is there any precedent for getting my bankruptcy put on hold (or even cancelled) for medical reasons?

ok and i know you are busy, BUT........ If its unregulated, then how can they 'enforce' it?

Cash Advance facility, hmmmm.............. what do you mean by that? I could draw cash on the card, and it was subject to a charge.

You are a star, got a lot to read now!!

and of course i have the charge card problem too......................

it does, thanks. My scanner isnt great and the copy i have here is more legible than what i have posted. My problem is getting this across to AMEX and/or the registrar.

think i am grasping at straws now

doesnt seem to mention repayments on the T&C's except in section 9. Statements

if it is correct is this 'enforcable'

There is no mention on the app form of the reverse of this document. I am 99.9999% that this has been mocked up. Surely that is illegal!!!!!!