Downloaded the forms 6.4 and 6.5 Is there any guidance anywhere regards filling them in

thanks again

Having a quick read of Brandon vs Amex it looks as if they can get away with not giving you the 14 days notice then ? or am I wrong. I have both Dn and termination which are dated 13 days apart and this is if I took them from their printer itself. So why bother with laws if it can only be a minor technicality

excuse my ignorence

Correction Brandon vs Amex had 22 days before termination

Thanks, looks like I'm going to have to do a lot of reading, Ill download forms and start thinking of a defence

Yes thats correct. The letter/parcel received today signed for by my other half contains a SD from Connaught but its only form 6.1

Sorry if im being a bit dumb

where do I find forms 6.4 & 6.5

Sorry meant 14 days, default was dated 8th Oct and the Termination was the 21st thats without postage times

Hi, I have all previous correspondance including envelopes. I have copies of application form sent various times by OC. I have default notice and termination notice in envelopes which never gave me the 28 days to rectify. Acc is not sb and I dont think there is any ppi also. This acc has been in dispute and passed around since Sept09. I have kept absolutely everything. Im just lost as to what to do next. I phoned them and told them I will be applying for set aside but they asked me for reasons in writing. Do I have to relpy to them or file forms 6.4 & 6.5 with the court ?

thanks again for your valuable time

Thanks for that Andy, will try

Hi, Had a good read of the above post. I have a few questions if anyone could possibly answer.

1. I have not signed for the parcel myself, my partner has. Is this beneficial ?

2. Think I may have dropped a boo boo by phoning them, ie proving I have received

3. Should I send them a letter stating that account is still in dispute with O.C.

4. Should I tell them about the invalid default notice ?

Thanks again, but struggling to get my head round the situation

I also did receive notice of assignment, but thought as account in dispute this what not allowed. Never replied or acknowledged it

Thank you Andy Ill take a good look at it, not been down this route before

Hi, Been a while since I have heard anything regarding my Halifax CC, but today I have received A Statutary Demand under section 268(1)(a) from Connaught collections. I have just phoned them and told them the account has been in serious dispute with the OC for the last 2 1/2 years and I will be applying to have it set aside. They have told me to confirm this to them in writing.

This is for a credit card with the halifax that I have only ever received an application form for. Also I did not have enough time to remedy the default notice before the termination notice arrived. I have a folder full of letters from various Dca's and creditors and I have also kept the default notice and termination notice. I am a bit lost as to what to do now as I thought it was just another threat-o-gram but it seems not.

Do I not tell them about termination/default notice, dont want to show them my cards so to speak or do I let them know ?

Can anyone advise as to what to do next as I havent got a clue

My original thread is here

http://www.consumeractiongroup.co.uk/forum/showthread.php?202041-Mevsthem-vs-Halifax-cca-advice

Thanks in advance

Hi, been a while since ive been around and would like to wish everyone a merry xmas and good new year. Not heard a thing for ages from haliprats or any of the muppets until today. I have received a letter from a company called 1st credit and in the same envelope a notice of assignment from Haliprats stating they have sold 1st credit the debt. I am wondering whether to send the bemused letter or just file it with all the others. This is for the classic cc with just a application form and none compliant default and termination notice. What do you guys think, I dont want to start the letter tennis again and drag it all up for another set of muppets. Only concern is after reading a few posts 1st credit actually issue court proceedings. Any advice welcome and thanks in advance

regards

mevsthem

Hi, A small donation has just been made as a thank you for all the help so far

Hi, Finally got through to Northampton and they say they have recieved Nod. I asked them if I will also receive a NoD and they said the letter I recieved in post #83 would class as notice of discontinuation.

Just need to start a wasted costs order as per andy's post

thanks again everyone

Many thanks andy its much appreciated. Going to ring Northampton tommorow to see what the situation is

thanks again

Hi, Thanks thats brilliant. Is there a kind of limit as to how many hours, If I was to include the hours Ive spent researching on cag I would probably end up being a millionare.

thanks again

Hi DonkeyB, What hours could I possibly claim for ? Never had this situation before. Could you possibly advise please

Hi, Did try ringing Northampton a few times last week, was waiting from 18th in a que when I got to 1st after 30 mins the phone just went dead. Will have to try again next week. I was ringing because I filed my defence in the beginning of october and as yet I have not received AQ. Obviously this is now past the 28 days in which they had to reply to my defence.

I must try again next week. Who would issue the NOD, would it be Northampton ?

Thanks again for all the replies

Hi, Just a quick update. Received a letter today from idiots stating the following.

Dear Sir/Madam

As you are aware we have commenced legal action under claim number xxxxxxxx. After careful consideration, we have decided not to pursue the matter through the court system. Although we shall no longer pursue you for the balance outstanding on the account, please note this does not diminish your liability for the debt.

We trust this brings the matter to a satisfactory close.

yours faithfully

Idiots

Well would you class this as a win situation ? Comments appreciated

Hi, Not heard anything back from the idiots, defence was filed 1/10/10. I know they have 28 days to reply to my defence, but that would take it to 28/10/10. How will I know if the case has been stayed ?

Thanks

Hi, Had another letter today from the idiots saying they advise me that they have now obtained judgement and the sum is payable forthwith.

It goes on to say if I do not pay under the terms of the judgement they might go for a charging order, attachment of earnings or warrant of execution.

Are they for real ? Think they should reply to my defence first !

Hi, As far as I can see it says cc statement 5th Oct and says payment due 1/11/2010 for full amount. No new tranactions and no interest.

It also has B1 after my acc number for some reason.

Total due is balance + £300 which they are trying to claim in court costs.

Also it includes £300 court charges

Hi, Thanks for that andy. Strange thing arrived through the post today. A credit card statement for this account, but it was terminated last November. Any Ideas ?

Not had one all year then this

Hi, Right thinks I b***s up. When I filled defence I did not tick yes for counter claim. Can i do this at a later stage or av I messed up?