Hi All, In August 2014 I received a Claim from Northampton CC from Cabot. I wrote to the solicitor asking for a copy of the signed agreement as it would be something they would need to have anyway should the claim go to court. They agreed and I got the 28 days extension after acknowledging the claim. I sent copies of all correspondence to Northampton to attach to the claim but they have never supplied the agreement. here we are almost 1 year later and they have sent another letter, quoting the original claim stating that they sent two letters (both the same day) in April this year, one of which says they attached the documentation originally requested, the other offering a reduced payment, neither of which I can say I received. Is there any argument I can make to close this claim (I did have a look and it is still sat on Northampton with the last action being me acknowledging) as it has been open for almost 12 months. Additionally, the Claim documentation is signed by the solicitors not by the person who wrote the particulars and I am sure that I have read somewhere that it must be signed by a representative of the solicitors, "Mr Joe Blogs" for example and not as "A.N Other Solicitors". Is this true and how terminal is this to their claim, if at all. Any advice or information would be gratefully received. G

Hi, Could someone please clarify this T&C in the First Plus agreement I have with them. From my point of view, it bars them from increasing the interest rate charged when the base rate is reducing and possibly decreasing their rate when the base rate increases (as if). It's the stated link of their rates and the Finance House Base rate that interests me. 7. We may from time to time vary our interest rate. We may increase or reduce our interest rate to reflect a change which has occurred, or which we reasonably expect to occur in interest rates generally or to ensure that our business is carried on prudently, efficiently and competitively. The interest rate on your account will not in any twelve month period, vary by more than twice the variation in the Finance House Base Rate published by the Finance and Leasing association during the same period. If for any reason, the Finance and Leasing Association ceases to publish the Finance House Base Rate we may refer the variation in our interest rates to any other Base Rate which in out reasonable opinion best matches that rate. Thanks G

Hi All, I am following this thread with interest as I too have an ongoing court case with HFC through Restons. I sent off the embarrassed defence as I hadn't received back the requested documentation in time to submit a full defence. I have just received a note from Restons inviting me to withdraw my claim, otherwise they will go for summary judgement. I am amending the defence shown earlier in this posting and took the 30 day free offer from Equifax to get the actual termination date. One thing I don't full understand is that the Default Notice (not compliant) is dated 29th Jan, but the extract from Equifax below says it went into default in Oct 2008, or 29/11 depending on which bit you look at. Also, I cannot see any termination dates appearing. Am I interpreting the report incorrectly, or is there something strange going on? Thanks G

Hi Bill, Thanks for the quick reply. I'll see if anyone posts anything different. On another matter. I have just received a letter from Moorcroft requesting payment for an alleged debt I had until now been communicating with Blair, Oliver and Scott about. B.O.S were unable to supply the documentation requested and it seems IF have passed the debt to Moorcroft. As I understand the relationship, Bank of Scotland = IF = Blair, Oliver and Scott. Can they do this considering that the debt is currently in dispute? Or is the dispute just with Blair, Oliver and Scott as they are a separate, though owned by Bank of Scotland, company leaving IF free to reassign to who they wish. I can go the route of CCA, Moorcroft have just returned a £1 postal order on another debt that they cannot supply the documentation for so I will reuse it , but shouldn't I be pointing out that BOSx2/IF cannot reassign the debt as it is in dispute. btw, complaints raised with Data protection, Trading Standards and Financial Ombudsman about Blair, Oliver and Scott actions in this matter, prior to the letter being received from Moorcroft. They were/are still sending letters about intended actions even after I sent a followup CCA request demanding they stop. I can move this post to another forum if it is better placed elsewhere. Edited - Added oops, just seen http://www.consumerforums.com/resources/templates-library/86-debt-collectors/574-letter-when-account-has-been-passed-on-whilst-agreement-request-is-in-dispute ** Edited again - Added. The letter from Moorcroft states that IF have instructed them, does it matter? Is a CCA or link above the best letter to send. Thanks G

Hi Bill, The Card is an Asda branded credit card and my Wife works for Asda, but the agreement is with GE. As they accepted our first offer last year, we have been paying £5 per month and never really thought about CCA as we have done with the other cards. Unfortunately we missed last months payment and got the letters which I have linked in the post. Thanks G

Hi All, I have been a lurker for a while now and have used a number of suggestions on the forums when posting letters to DCA's. About a year ago, the overnight computer support I have undertaken for about 12 years came to an end with the resulting loss of £10k per year in income. I realise that I shouldn't have counted this as normal income, but unfortunately we came to rely on it and found we were unable to meet our credit payments. I sent a letter off to all the credit card companies, and all but one ignored them. I am now sending off CCA requests most of which have been ignored, or returned as unable to supply. The one company that agreed to our initial payment has been receiving a small sum each month. Unfortunately, the latest statement got mixed up with all the other paperwork we receive on a weekly basis and we missed a payment. Because the card was actually under the same company that my Wife works for (for example, Mrs Miggins Pie Shop Visa credit card through GE when she sell their pies in their shop), we thought it prudent to carry on paying the £5 rather than CCA them. We received a court letter http://i728.photobucket.com/albums/ww287/Ibbic/CL1.jpg just after receiving a notification that we had missed http://i728.photobucket.com/albums/ww287/Ibbic/CL.jpg (Date on this is 5th May, got carried away with the erasor). We panicked slightly and filled out the court documentation, uncontested, offering £5 per month. TBH, that is only about what we can afford until First+ and Northern Rock decide to reduce their interest rates). My question is, is there anything we can do to CCA them to see where that leads even though I have sent the court documents back. Should I CCA them and ask for any court decision to be overturned should it come to that stage, or do I just need to grit my teeth and accept anything the court may impose. Any advice would be appreciated. G