i forgot to say i have not been able to send any letters yet as i have been extremley ill with salmonela is this still the best course of action sorry to be such a pain

ok thankyou will we get in trouble with the court if it is found to not be statue bare

...

i have no idea i presumed there may be a back log but i contacted the court in febuary who said they were waiting for instructions from the claimant. then nothing till we had a letter about a week ago from court saying the claim had now been passed to the district were we live and we would be advised of any directions ordered (something along them lines) then we got the allocation questionare yesterday

we have no details of the debt but looking through bank statments there are payments to welcome finance and we have bank statments back to 2003 he has no recolection of the debt but his ex wife used to take door step loans out but he left in 2002 so it would of been taken out before then. we have no corrospondence from them what so ever until january when a court claim arrived. sorry if that is a bit vague but they have failed to provide us with any proof of the debt any the paticulars of the claim were very vague

thankyou so much i appreicate this

yes

hi thankyou for your reply i wish i had known this straight away can i do this even though i replied admitting to half is it worth telling the court i did this as the first we heard was a court claim i felt terrified and in panic replied which i am guessing is exactly what cohen's wanted:mad:

i also forgot to say that the ex wifes papers were served to the house they lived at together she hasn't lived there for 6 years and has gone abroad

hi i really hope someone could in january we recieved a court summons for my partner named jointly with his ex wife who he split from in 2002/2003 from howard cohen solicitors on behalf of welcome finance for £1300. i am young and good with money and my partner is no good with situations like this i paniced before looking into this properly thinking court baliffs etc and filled it in saying admit to half as it was a joint debt i then looked into it a bit more and realised they were not being fair with us really until the court claim we had not one think from them and we have been together 4 years. they also didn't specify anything about the debt when it was for what it was for or when it was defaulted on. so i wrote a letter to the court recorded delivery saying all of this and also that we thought the debt may be statue bare as we have no corrospondence of a welcome finance in the last 6 years that we are aware of. i phoned howard cohen and asked them for a copy of the credit agreement that they never sent to date. we heard up until yesterday when we recieved a questionare from our local court to fill in. what do i do? is there anything i can do? i am so upset with myself for filling the form in but i was terrified at the thought of courts and baliffs. what should i say on the questionare should i try and arrange something with the company? i really have no idea what to do!! our financial situation has now changed since january and we dont have the same money spare to pay that we put on the form in january what can i do about this? thankyou so much for reading this any help would be appreciated

hi i wonder if someone could help my partner and his ex wife took a loan out with welcome finance about 5 years ago anyway they split up he thought ex wife had paid it back from sale of house anyway a week ago he got a court claim from welcome for a 1500. i in a panic sent back the form defeneding half as it was in joint names i now no this isnt a legal argument. we have no details of the loan i don't have a clue how much it was originaly for. i no now there is a lot of things i could of done to try and defend this is it too late now i sent that back i am furious with myself any advice please

hi i wonder if someone could help my partner and his ex wife took a loan out with welcome finance about 5 years ago anyway they split up he thought ex wife had paid it back from sale of house anyway a week ago he got a court claim from welcome for a 1500. i in a panic sent back the form defeneding half as it was in joint names i now no this isnt a legal argument. we have no details of the loan i don't have a clue how much it was originaly for. i no now there is a lot of things i could of done to try and defend this is it too late now i sent that back i am furious with myself any advice please