I Got A Copy Today Just To Say Judgement Was Against Me And I Have 14 Days To Pay But No Way Can I Afford That Amount Im Sure I Have Grounds To Appeal Due To Faulty Dn.

Hi Well Ive Been To Court And Judgement Was Against Me, I Put A Defence Together And Went Down The Route Of The Default Notice Not Being Valid But Due To Being Unable To Attend The Hearing And Told Them This. I Dont No What Was Said Do I Have A Right To See What Was Saidas All Ive Got Is A Paper Saying Judgement Was Made Against Me.......

Hi I had problems with Moorcroft over a Vodafone bill too which I disputed in 2005. I was given this letter to send them: EDIT TO SUIT Dear Sir/Madam You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves. I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name). I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment. I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question. I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions. I/we look forward to your reply. Yours faithfully (NO SIGNITURE) I sent this to Moorcroft in April 2009 to see if they have the right to collect this debt and i have'nt had a reply since. .

Thanks, so basically CRAP from CRAP1:grin::grin::grin::grin::grin::grin: Cant wait to tell them as to me its a applicatiom form of some kind??.:-D:-D:-D Regards

Hi All, I hope this thread is in the write place. Recieved a so called signed agreement from CRAP1 it has my signiture on it but to me its not an enforcable agreement after what ive read on CAG but for me to write back to CRAP1 and tell them to stuff it i would like a 2nd opinion please or any other advice would be most welcome. http://i629.photobucket.com/albums/uu13/fenfencing74/CAP1.jpg Regards.

HI, THANKS GHOSTDEBT FOR THE INFO AND ALL HAS BEEN REPLACED, I WILL LOOK IN TO THE REGS. WHAT I CANT UNDERSTAND IS WHY SEND THE DOCUMENTS NOW THAT I REQUESTED IN MARCH 2009, TO ME THERE BEING SNEAKY BA**AR**. I WILL ALSO HAVE TO SEE IF THIS AGREEMANT IS ENFORCABLE BECAUSE IF IT IS THE DEFENCE IVE DONE MAKES ME LOOK A T**t AT THE END OF THE DAY http://i629.photobucket.com/albums/uu13/fenfencing74/AADOC1.jpg http://i629.photobucket.com/albums/uu13/fenfencing74/AADOC2.jpg http://i629.photobucket.com/albums/uu13/fenfencing74/AADOC3.jpg REGARDS FENBOY74

HI ALL, GOT A RESPONE FROM THE BANK OF SCOTLAND AND IN IT WAS A STATEMENT OF ALL PAYMENTS MADE BY ME, A COPY OF A DEFAULT NOTICE BUT I CANT REMEMBER THIS AND IVE ALSO GOT WHAT LOOKS LIKE A CREDIT AGREEMENT WITH A SIGNATURE ON IT BY ME. IVE PUT THEM ON HERE BUT I DONT NO IF IVE DONE IN RIGHT.. http://i629.photobucket.com/albums/uu13/fenfencing74/AADOC2.jpg http://i629.photobucket.com/albums/uu13/fenfencing74/AADOC3.jpg http://i629.photobucket.com/albums/uu13/fenfencing74/AADOC1.jpg SO ARE THESE DOCUMENTS CORRECT TO WHAT IVE REQUESTED. REGARDS FENBOY74

Thanks Ghostdebt, when you say documents i request to see how about this i found while raving a read through. . The courts attention is drawn to the fact that the without disclosure of the requested documentation pursuant to the Civil Procedure Rules I have not yet had the opportunity to asses if the documentation the claimant claims to be relying upon to bring this action even contains the prescribed terms required in Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553) which was amended by Consumer Credit (Agreements) (Amendment) Regulations 2004 (SI2004/1482). The prescribed terms referred to are contained in schedule 6 column 2 of the Consumer Credit (Agreements) Regulations 1983 (SI 1983/1553) and are inter alia: - A term stating the credit limit or the manner in which it will be determined or that there is no credit limit, A term stating the rate of any interest on the credit to be provided under the agreement and A term stating how the debtor is to discharge his obligations under the agreement to make the repayments, which may be expressed by reference to a combination of any of the following-- 1. Number of repayments; 2.Amount of repayments; 3.Frequency and timing of repayments; 4.Dates of repayments; 5.The manner in which any of the above may be determined; or in any other way, and any power of the creditor to vary what are payable i think if i edit this to suit it covers most. thanks

Hi All, Got a stinkin cold and feel like crap. Recieved a letter from the AA Finance ( NOTICE OF ARREARS ), which has got like a statement af due instalments and interest dated from 16/04/2009 to 01/10/2009 ant to me this is not what i requested as it states the AA is required to do this. I have put the defence together using the embarressed post. DEFENCE CLAIM NO: ******** BETWEEN: AA PERSONAL FINANCE LIMITED CLAIMANT AND ********** ***** DEFENDANT 1. I, ******** ***** of ** ******* ********, *******,*****,**** *** make this statement as my defence to the claim brought by AA PERSONAL FINANCE LTD. 2. The claimant’s particulars of claim are vague and fail to disclose any cause of action; they appear to be an abuse of the process in that they fail to deal with the basic rules of pleading in accordance with the CPR, even allowing for the constraints of the bulk issue system. 3. No documents supporting the claims in the particulars have been offered to Myself and despite two requests to the claimant for further information via a Consumer Credit Act Agreement request dated 15/03/2009 and a CPR 31.14 dated 04/10/2009, both sent by Royal Mail recorded delivery, none has been received nor forthcoming and as a result I cannot plead in defence to the claim. 4. Without clarification of the claimant’s claim, the defendant (Myself) is extremely disadvantaged and as the claimant’s claim appears without merit, the defendant asks to be allowed to submit a fully particularised defence should the claimant provide copies of the original documents he will rely upon. 5. Further to the above 4 paragraphs, the defendant is unable to plead effectively or at all. The defendant is embarrassed. Statement of truth I believe that the facts stated in this defence are true. I am the Defendant. Signed: ******** ***** i have changed a few words here and ther but any feed back would be great. thanks again

Hi, No sorry if i misled you, the egg account is a different debt headache for Me to solve. AA finance are the ones that have put me in the small claims court. Thanks

Hi, and thanks thanks that is really good. I was getting sore eyes looking at all the threads on CAG and writing notes down. i just cant believe that sum of these cases on here take months to get resolved if not atall.but thanks again keep you informed as ive just got a letter from cabot to say they have just brought my egg credit card debt in which i cca capquest at the begining of the year and not heard a thing untill now. Thanks

Hi the date on the claim form is 26 sept 2009 so by what ive read on this site I have got 33 days for me to put a defence together and submit it by that date ?. I shall have a surf around to see what i can find on the Embarressed Defence route.

Hi, Well Ive Given Them More Than 7 Days And Nothing Has Arrived So I Suppose Now I Have Got To Put A Defence Together But I Hav'nt Got A Clue Were To Start. I Also Hav'nt Heard Anything From The County Court. Which I Thought I Would Have Done.

Hi, Yes sent the CPR this morning recoarded delivery. Is there a time limit for them to reply?. As soon as i get any more info there will be posted on here asap. Thanx..

Hi and thanks, The POC as its written. The claimant's claim is for ****.** presently due pursuant to a agreement enterd into by both parties, full particulars of which have been supplied hitherto. By an agreement dated **/**/2004 the Defendant has an account number ************* with the claimant. the defendant has failed or delayed to adhere to the term of the Default Notice issued by the Claimant under the term of the Consumer Credit Act 1974. The balance due as at **/**/2009 on said account is ****.**. Ther is only a Court fee to pay and no solicitors cost so i asumme that AA personal Finace are not useing no solicitor.

Hi, Dont 'no if anybody can give me sum advise or help but just had a claim form from Northampton County Court and the cliamant AA Personal Finance for a loan i had in 2004. To put a long story short started paying it for a while, job prospects went tits up. they get Blair ,Oliver, Scott on to me so i gave them a CCA request in march 2009. have'nt recieved one as of yet nor a default notice to what it states on the Particulars of Claim all i recieved was a notice of legal action from THE BANK OF SCOTLAND. dont really Know what route to take. HELP PLEASE

Well What I Will Do Is Im Gonna Right Them A Straight To The Point Letter Later And I Will Put On Here For All To Look At...

HI, IT DATES BACK TO 2005

Hi No I Was Europe The Canary Islands

Hi, Yes There Was An Issue I Had With Vodafone The Bill Was For When I Was Abroad And Poeple Were Calling Me, Well When I Returned To England And I Queired The Bill They Told Me That I Get Charged For All Calls Incoming So I Told Them That Cant Be Right And I Cant Pay It Basically...so Yes I Do Owe Vodafone The Money But Not Moorcrap Recovery.....

Hi All Recieved Letter From Moorcrap Debt Recovery About 3yr Old Vodafone Bill And They Say The Are Adding £100.00 For Admin Cost, Can The Do This And Get Away With This .if The Can Whats The Best Way To Deal With Them Do I Cca Them?????? Thanx

Hi To All I Must Say A Very Big Thankyou To All Those Giving Me Advice. Sent Off Letter (account In Disute) Today. Got Letter From Blair, Oliver & Scott Ltd Today Saying Ive Must My Payment And They Are Going To Take Action So Im Now Going To Send Them A Cca And Wait And See How That Goes. Can Someone Please Correct Me As Im A Bit Confused Can I Send Out The Cca Request To Only Debt Collection Companies Or Do I Send Them To The Actual Banks Or Credit Card Companies. Also The Money I Have Paid To The Debt Collectors Im Allowed Back And Can Pay This To The Origanal Debtor AS I DONT NO WHEATHER THIS MONEY IM PAYNIG GOING TOWARDS MY DEBTS OR THERE POCKETS.....

Hi Do Isend This To Fredrickson Or Egg Thanx

WELL THERE TIME IS UP AND NO REPLY FROM FREDRICKSONAND CO. WHAT DO I DO NOW DO I CONTACT EGG BANKING WHO THE ORIGINAL DEBT IS WITH OR DO I WAIT TO HEAR FROM THEM? IM ALSO CONSIDERING SENDING CCA's FOR MY OTHER DEBTS AS BEING SELF EMPLOYED IN THIS RECESSION HAS HIT ME HARD.MAYBE I CAN ASK MR GORDON BROWN FOR SUM OF HIS BAIL OUT MONEY OH SORRY IM NOT A BANK THAT CAUSED ALL THIS FINACIAL MELTDOWN.......

Hello The Date On The Letter Is 16/02/2009 And I Recieved It 20/02/2009 At Dinner Time And They Say Pay Within 7 Days But I Dont Really Understand All This Sending Of A Cca Request And What It Means? Ive Bin Trying To Read Lots Of Threads But Im New To This Site....