My husband also has problems with summons court case on 21/9/09. was only able to get CCA agreement through GE money originall lender but no assignment of debt. Agreement looks odd and need help. GE money (now santander) say CL Finance has to supply. I thought lender had to issue in writing? CL finance have sent copy letter which says debt assigned to them, letter dated 18 June 2007. Actual agreement headed "application" does not say much two parts are application and short part details interest 2.27% per month APR 30.9 variable and minimum payment terms. Signature box says this is "a credit agreement". Staements supplied missing prior to 17/4/03 balance 625.40, April 0318/5/07 owed 546.21, total interest 613.62, total purchases 454, charges £75 and payments made 1363.7, balance 421.21 at June 2009. I am not sure posting in right place but can anyone help? Thanks

My husband has problem with Howard Cohen. Had been paying off debt to CL Finance approx £500. Financial situation was very difficult as had to resign from previous job as making him ill, suufered anxiety,stress & depression and thought of going back exasperated condition. Managed to later work through agency but work dried up because of economic climate. he stopped nominal payment of £5 per month around December as things were so difficult. Then without letter from Howard Cohen got fast track summons. February Have been trying to get CCA agreement, statements and assignment of debt. Howard Cohen said thaey didnt have to supply. Went to GE money and now managed to get agreement and some of statements from GE Money but not assignment of debt. Court case on 21 /9/ 09. I have paid £ 5 for each month missed to bring payments up to date but cannot afford the 400 odd in one go. We really need help what to do next. Particularly need someone to give a view on agreement as looks odd. Help!