Hi Ski, If it helps and ties up with what Kimberley6 has said our N149 response is on page 3 http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/182360-c-l-finance-awaiting-3.html

Just a quick update. BT have now agreed to refund the bank charges, but they did suspend broadband services. Will post up the docs about this because I'm still wondering about the unlawful rescission aspect and whether I have a chance of claiming anything. Regards

Nearly there, not long to wait now. Just one question. I remember seeing a thread about assignments and the documents being on a cd and can't remember where it is. Any ideas??

Which AQ is it? N150 or N149? When does it need to be submitted by? Regards

Do you have a thread on this panther?

Hi Orfoster, What points would you raise to counter the statements in the witness statement? Work through each paragraph and see if you can think of a counter arguement. e.g did you send a cca request or cpr request? have they provided a copy of the deed of assignment? the account numbers? are the t&c's the right ones? a debt may exist but with GE not CL until they can prove the assignment is lawful? What are your thoughts? Regards

I pushed mine as well, as you know but it was a bit later on.

If you have already received a letter from Cohen, or receive one saying they have got a judgement and you need to pay them then you must report them to the SRA first. We need to ensure that any legitimate complaints are raised and brought to the SRA's attention whilst this matter is being handled by the LSO. Regards. ps Happy New Year CCM, good to see you around.

Hi MightyAcorn. That is a great response from the LSO, will be interesting to see what happens next. Regards

If you have proof that the required payment was made within the required timescale, then I think you are in a good position to argue your case. Can you double check and confirm this and then we can see if we can get some other help onboard. Regards

Hi Pinky, Hope its all going well. Seems like your up to date and keeping a close eye on things. Good luck. On a seperate note, if a creditor/dca has sent a DN but not a termination notice, even though the DN was not satisfied can you still write to them stating you accept the termination and therefore the rescission or is it best to wait till you get a termination notice or court action before raising the issue of a defective DN? Regards

Thank you for the reply PT. The reason for asking was based on a comment the DJ made at my last CMC.

Hello Bob, You should start your own thread on this in the legal issues forum to allow people to comment accordingly.

Might be worth looking in on the thread by Pinky69 http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/196312-invalid-default-notices.html or this sticky http://www.consumeractiongroup.co.uk/forum/general-debt-issues/111211-defaults-background-removal-methods.html

Another question still hopefully within the topic. Where a court has made an order for witness statements to be filed/served and the witness statements for the Claimant have been written on their behalf by a litigation assistant at the Claimants solicitors and not by the actual Claimant is this a failure to comply with court orders? and what would be the appropriate response/next step? Regards

If this is for an overdraft then the regulations are different and the Consumer Credit Act does not necessarily apply.

Re DN's have a look here. http://www.consumeractiongroup.co.uk/forum/mbna/239429-count-court-claim-received.html Post #5 by Citizen B

Hi Laura, Is there a section 16 on your agreement? or in the t&c's? The DN should specify an actual date and not say within x days. Not seen one like this before i.e with this issue raised, so look for further input as well. Regards

Great post Fred, good laugh for a sunday.

How you getting on Vint? Did you manage to get the defence submitted?

Hi Sedgwick. To apply for a charge, they would first have to get a CCJ and then if the CCJ was not paid either in full or by installments they could apply to the court again for a charging order. In other words fat chance . Have a look through my full thread for a few ideas, if it helps or start your own thread and look for further comments. Regards

What type of AQ is it? N150 or N149.

The consequence of an invalid DN is quite well laid out. See post #59 by CitizenB here http://www.consumeractiongroup.co.uk/forum/legal-issues/215388-response-howard-cohen-santander-3.html

DMP company stuffing another customer. Not sure how best to proceed to be honest, but if you get anymore Claim Forms come here first before talking to the DMP company. Hope you get some more feedback. Best regards

Keep us updated, I have issues with this lot as well.