The hearing is schedule on the 26 March at 10am. My computer hard drive is damaged and the guy is trying to get all the data copied over. at the moment I am using a friends computer and she ran out of ink... I would have to go and get some now so I can photocopy the petition tonight.I have a death in the family and the funeral is tomorrow but I want to get this posted up here tonight no matter what. Can you PLEASE REMIND ME HOW TO GET THINGS ATTACHED TO THIS SITE AGAIN? I have to go out now and try and get some ink and get the doc photocopy/because the printer is saying an aligning problem. I will get the link posted tonight... just remind how to do it. Thanks.

Just received the form called Creditor's Bankruptcy Petition on Failure to Comply with a Statutory Demand for a Liquidated Sum Payable immediately Form 6.7 Me against AG LLP petition the court that a b/k order may be made against me.It states on the 17/6/2009 a statutory demand was served upon the debtor by Substituted ServiceIn respect of the above mentioned debt. To the best of my knowledge and belief the demand has neither been complied with or set aside in accordance with the Rules and no application to set it aside is outstanding.We do not, nor does any person on our behafl, hold any security ont he debtor's estate, or any part thereof, for the payment of the above mentioned sum.ENDORSEMENTThis petition having been presented to court on 19 Jan 2010. It is ordered that the petition shall be heard as follows

You're not daft Foolish Girl... I think I am confusing you that's all. It is 2 x account with MBNA, one is being dealt with First Revenue Assurance UK Ltd (FRA), who also work with AG.I received a card in my letter box to say to call (a mobile) which I did and was told they had some important documents for me and when it would be convenient for them to deliver. I told them at 6pm tonight and I am currently waiting to see what it is.I will let you know once I receive it.Thanks again for all your help..Regards

I only have letters from AG along with the so long agreements, I have no DN or statments. I will send off for SAR tomorrow but they have 40 days to response but hoping they send it back sooner rather than later. Do I send this direct to MBNA?Last week I send SAR request to FRA UK Ltd which relates to another MBNA account. RegardsSAMU

Thanks for your response. I forgot how to scan things onto this site. CAn you please remind me how to do it? Thanks.

I CCA First Revenue Assurance Ltd since 16 July 09, who is also associated with Arrow Global )AG)I recently recently a letter from AG regarding CCA request I made to FRA stating they are dealing with the CCA but everything is being dealt with by FRA. A letter was sent on the 14 Aug to say "account in Dispute" and got no response. Now AG send me letter with credit agreement (looks like a part application form with my signature and the back is the terms Because I have so much problem with AG with another matter, I decided to ask FRA for a "Subject Access Request, data protect act" last Friday.What should I do now please?

I just hope these people would say they served me and used what my dad did as a way of saying they served me and I ignored it.. I feel like screening at my dad (he is sixty odd years old) and thought he was helping me. I hope only just hope his behaviour wouldn't go against me... I have to remain positive and not give up... Any advice or help would be much appreciate.... Thank you.

Thank you so much Foolish Girl.... I am beginning to feel a bit down....but still hoping all will be well in the end... I have to remain positive even if it is just for my kids sake.

Hi,As I'm beginning to get worried now, as I have not heard anything from AG regarding the b/k petition. I called to court several times and was told the court hearing cann't go ahead until the serve me and I told them I am concerned they will do it without serving me, she said they would have to show proof they have done so. Also, she said the court hearing should be likely in March as it was filed in Jan.I've read so many stories on this site with people not being served and yet the court went ahead and put a judgement against them without their knowledge.To date all I received is a B10 Notice from the land registry for my house and my mums where my name is on the deeds to say b/k petition has been noted on both houses.What do you think I should do now with AG?I recently received a letter from AG regarding CCA request since 16 July I made to FRA UK Ltd regarding another MBNA alledged DEBT with Virgin credit cards, I send a letter 14 Aug to say "account in Dispute" and got no response. Now AG send me letter with credit agreement photocopy at the back with terms and signature that looks like an application form at the form. Yesterday, I send a "SAR, data protect act" to FRA UK Ltd because I have reasons to believe the details send by AG isn't truly correct. Any advice would be greatly appreicated. Even my kids are noticing things are now right with me. Please help me in any way you can. Thank you.Regards

I still havent received anything. How long does it take for them to serve the paper if they have submitted the application to the court since the 21st Jan 2010? Can they not serve me the papers and attend court without me knowing?RegardsSamu

Hi,I called the court today and was told they do not have any information about the petition. She said when a creditor apply to the courts for B/K it is normal practice they would send the details to the LR. She said I would have to wait to be served by the creditors which should be shortly as it will show all the details and date and then I can go to court to represent my case to the judge.

Hi Foolish Girl, No there is no CCJ on this debt and I have never received any Statutory Demand notice, I recall my dad returning a letter to the DCA after a phone call with them but I haven't seen or received the letter. I did asked them to re-send it but never received it and still to this day don't know what it was.The letter I received from the LR only stated a b/k order was placed against the house and it is their duty to informed me and I would have to call the courts to get more details. It also stated the reference number etc. I will be making the call tomorrow to the courts to find out more details. I have received anything yet from the DCA.Regards

Hi Foolish,My computer is not working at home and can't access this website at work but managed to use my friends. I haven't yet submit my application re the CPR because of not having any spare funds at the moments. However, I haven't received the full agreement from Arrow but received a letter with a different address stating I haven't responded to their request for payment and they would be filing a bankruptcy order against my property. I have today received a letter from the land registry stating they have received notification of bankruptacy against my property on the 21st Jan 2009. Can you advice urgently what you think I should do now please? Thanks.RegardSAMU

Thanks for your help much appreciate. The forms came is to seek compensation as BFS is now in adminstration. I will complete the forms and send them off with the hope I get my money back with interest.

My computer isn't working and I wasn't able to use the one from work because this site is accessible at work. I am borrowing my friends at the moment until I get mine repair.I still haven't heard from you since Oct... are you able to help me with Welcome Finance? I need to give you an update. I've since received a letter from Financial O compensation team and forms for me to complete... Should I go ahead and complete it or will you help me..

My computer isn't working and I wasn't able to use the one from work because this site is accessible at work. I am borrowing my friends at the moment until I get mine repair.I still haven't heard from you since Oct... are you able to help me with Welcome Finance. Just to give you an update..

Hi Foolish Girl, Yes, it was the S77/78 (which I think would have been the 2nd letter afer not receiving the CCA request), definiately not the CPR31 ( I only send that one to Arrow Global). I will hold tight with AMEX and see what happen, In the mean time I will make sure I keep the letter from CAPQUEST safe. I will attempt the application to Arrow G when I get some spare cash and may need your help. Thanks again for your advice and will keep you posted. Regards Samu

Thanks Rev Ian, I thought it strange they would say that. The strange thing is I saw CapQuest on my credit report since 2007, so for them to say they bought the debt from AMEX only this year is questionable. Any how, I will treasure the letter believe you mean. Thanks again for your comments.

Hi Foolish Girl, Haven't had a chance to complete the application yet due to my kids not being well. They are much better now and would like this done soon. I will print off all the details later today and have a good read and shout you if I have any questions. Do you know what the cost of putting in the application to court would be? I also have another question for you please. I had another company with similar situation and have done everything like what I did with Arrow Global. I received a letter this morning and this is what it said. Dear Ms xxxxx 22 October 2009 I write in response to your leter dated 12 October (which was the leter in Dispute) of which your commetns have been duly noted, CapQuest investments Ltd purchased the above referenced account on 29 May 2009 from American Express with an outstanding balance of £xxxx, CapQuest were not made aware of any dispute or issue with your acount on assignment and were acting in good faith based on the information provided. On 18 Sept 2009, CapQuest received your wrtten request for documentation under the Consumer Credit Act 1974 with the £1.00 administration fee. On receipt of your request CapQuest placed your account on hold and contacted American Express to requst the required documentation. On 24 September 2009, American Express contacted CapQuest and advised that they no longer had the copy of agreement for the above referenced account. I can confirm that the above reference account is in the process of being returned to American Express. I can further confirm that you will receive no further correspondence from CapQuest in relation to the above referenced account. Pleae accept my apologies for any inconvenience this matter may have caused and should you wish to discuss this matter further please contact me on 0871 xxxxx xxxx. Yours sincerely, xxxxxx CAN YOU ADVICE ME WHAT I SHOULD DO NOW PLEASE?

Thank you so much . Should I respond to the Financial Ombudsman Service who I had lodged my complaint with regarding BFS Direct? They had say I had up to the 30 Oct 09 to send a response regarding BFS going into liquidation? Regards Samu

So, do you think I can get re-direct my complaint with the FOS to Welcome Finance. I just had a read of the documents we received from BFS Direct Ltd April 2006 for a unsecured Home improvement loan which was approved by Welcome Finance subject to signing and returning information. It looks as if BFS Direct was acting as a go between Welcome Finance as the loan was with Welcome Finance. I also noticed even though the account is jointly the PPI was only for my husband. Any help you can give would be appreciated as I am still paying this PPI which only covers 1 person and will expire in 2 years time even though the loan is for 10years. This can't be right surely. Many thanks. Regards Samu

Hi, The address I wrote to last year November 08 was B.F.S Direct Ltd The Old Bakery 115 Queens Road Norwich Norfolk, NR1 3PL

I have a 10 year loan with Welcome Finance back in 2006 and signed the agreement. Almost a year ago, I discovered PPI was added but it is only for 5 years even though the loan duration is 10years. I wrote a letter to Welcome Finance who responded and said the PPI was with provided by BFS Direct, I send several letters to them and the disputed it was never mis-sold. I have since sent a complaint to FO, after waiting several month for the FO to look at my case, I received a letter today saying unfortunately, BFS Direct has now gone into administration and they are unable to help me further. The FO has given me up to the 30 Oct 09 to respond if I am not entirely happy with their response. What do you think I should do? I am still paying the loan to Welcome Finance with the PPI added on to the loan + interest. Is there anyway I can cancel the PPI and get a full refund of the PPI from Welcome Finance or can the FO help? Regards Samu

Thanks Foolish Girl, I will give it ago but have to wait until I have some money to pay for the application. I will get back to you as soon as I can. Thanks again Regard Samu

Hi Foolish Girl, After I didn't get a response from you, I thought maybe you were away on vacation. Anyway, I have sent off the 2nd as stated above and still haven't heard from them. Should I give them more time? The letter was sent 30 September 09. Should I give them another month?