i have not admitted in writing that i owed the debt,started making payments because i did not know that i could challenge it. link have put on £3500 interest on a judgement of just over £11000 which made me start researching, i dont believe that the original agreement with g e money is legal

as stated in my 1st post i was not living in the property that all the documents were sent too so received a judgement in default, due to a difficult time personally and a lack of knowledge i applied for a set-aside 3 months ago. i believe i have a realistic defence but not sure how much of it i have to present tomorrow.

have a set-aside hearing tomorrow at 10.40,i just wondered if any one could advise what level of infomation i need to provide to the judge.Having read lot of threads over the last few days regarding link financial (lncluding beachcomber60,zanzibars and deb4tlj from 2007) i feel i have a suitable defence if it gets set aside which include lack of assignment. an agreement not containing signatures from both creditor and debtor as referred to in section 61(1)(a) of the cca and a couple of other reasons.obviously i would not want to give too much info to the other side if not necessary.

looks like i could be wasting my time next week, will update my thread and see if any body has anything more, thanks for the reply

hello jamcoops,do you have any more information about this new law as i have a set-aside hearing coming up next tuesday. sorry to hear yours didn,t go the way you wanted

whatevernext . welcome to cag,somebody who can advise you should be about soon. i can tell you that there are a few stages left before you get a visit from a bailiff.it would help if you posted a few more details which dca and date of hearing. Please dont feel trapped,there is always away around these problems,although it might not seem like it. is this your only debt? does your wife know?

on my lrtters from the FOS they advise allowing the bank up to eight weeks to settle.but ltsb paid money to my sister in law after five weeks. they stated that they would put her payment in her account within 21days but it took another letter to jog their memory before they paid up

vagabond uk i think whehter you worked 16 hrs or 60 is not the point.it was mis-sold due to the fact you were told taking out ppi was a condition for getting the loan.Read through some of the stickies at the beginning of the threads,you will find alot of information.you are not at the end of the road yet, regards stoney47

o.k. afraid i dont know anything about statutory demands

are you filling out form N244 because thats what i filled out to set-aside a ccj and i did not see any 6.4 or 6.5 regards stoney47

pabrmu thank you for your comments, it,s been a rough few years but as they say (it can only get better) i have got form n244 filled out and will sar link asap, i think i am confident about the set-aside just wanted to be sure i had a good case to put afterwards

i will go and look through papers again, also nothing about assignment from ge money just a welcome letter from link

i informed ge money 16th march,but i am afraid i did not send recorded delivery and did not receive a reply. I have recived back some papers from a sar request to ge money,but their is not a great amount in them from what i can see.what exactly is a comms log ? ge money stated on their letter accompanying the sar that they sold the debt to asset link on the 7/5/2008,on my credit record it shows a default to link/fnb i paid link due to the court order

thank you Mightneverhappen,it is a path i had thought about in the past but as it is a joint judgement with my wife we would both have to go bankrupt which works out quite alot.idid not know about utility companys helping out ford thanks for the link to threads

Good evening to whoever is on i am writing with the hope that somebody can advice me with regards to my situation,i have two ccj,s one with barclays which is going along nicely and the other with link financial which is not working so well. On the 30th of November 2006 i took out a credit agreement with G E Consumer lending for the sum of £10,252.00 and made regular payments untill sept 2007 when because of an unexpected major downturn in our income i was unable to make payments which were due on the 8th of the month I missed part of septembers payment which was £164.54 october which was £193.25 and november and december which were both £199.22 although ge money took 8th dec on the 21st of december giving a total of £756.23. ge money then went on to send me a default notice,dated 15th of dec which gave me until 6th of jan to remedy, they then took on the 8th of jan and feb payments of £196.46 On the 9th of april they then sent me a termination notice giving me 7 days. while all this was happening i was selling my house to move into a rented property to try and stop us from going under completely and i was also suffering from depression,fortunately we sold our house which enabled us to pay off the mortgage,secured loan and a debt to my brother in law we completed our sale on the 16th of march 2008 and i wrote to inform ge money of our new address but the termination notice got sent to our old property which had been bought by a builder who was dividing it into two smaller house,s Towards the end of july 2008 we received from the builder some junk mail and letters,in these letters was a notice of hearing ,poc and judgement in default. also in there was a hello letter from link saying ge money had assigned the debt to them. this letter was dated 23rd may,poc issue was dated 12th of june and judgement in default was dated 11th of july for an amount now incuding costs of £11,535.00 from cardiff county court. (this is were it gets fuzzy) Imust have spoken to link because in the middle of august i had a visit from a court bailiff at my new home with a charging order for my old home. After writing to the DJ at cardiff the order was dismissed but i was ordered to make instalments of £51.00 pm starting 28/9/2008 this was then varied 8/1/2010 at my request due to me not being able to keep up,the reason for that was i lost my job may 2009 and also having to deal with my dad in law and my mum having both been dignosed with terminal illness in april 2009.dad in law passed away august 2009 and mum early jan 2010, god bless them due to the stress of it all,instead of vaying the amount to £23.70 i varied it to £1,so the situation is i have had a notice of issue of warrant of execution dated 16th of july i spoke on the phone with the bailiff and advised him i was filling out the foms for a set-aside of judgement which he is picking up 6/8/2010. i believe there are good grounds for a set-aside but i am unsure about my defence,due to having paid money to link have i spoilt any defence with regard to ge money,s faulty default notice and lack of notice of assignment i have spent quite alot of time in the last few months reading various threads, so have gained a small amount of knowledge,but these last 2 years have been difficult to say the least if anybody could make any observations, they would be much appreciated thank you

hello olympic1805 ijust wanted to say i have been reading your thread with interest,well done for taking them on and hope this morning was not too stressful. iam just going to start the process of setting aside a ccj with link and have found some useful lnformation in your posts

yes

just wanted to add my condolences to his family

a CCA request is what you send to each company to obtain a copy of your Consumer Credit Agreement

hello this is my first time posting on CAG but having joined awhile ago and been reading threads a lot,i can safely say there will be somebody along with the knowledge to help you,sometime fairly soon.