Thanks again, you are a saver. Should I put my Visa card number or the one the DCA quoted? I am very confused about that. Could the OC or DCA have the right just to change the account number without notification and why did they do it? Is it they just messing with their files and mixed all the data, name of the account!? ( I read some other threads, it seemed some OC liked to do that, but I could not get more information about my query) Thanks in advance

Hi, dear supasonooper, Thanks for the great help. I am going to send a SAR to the original creditor. It's credit card, I think they add quite lots of : late charge, over balance limit penality charge (because after add on coupons of late charge, it's over the limit). But I don't know could I challenge them of excess.. as they charged £12 on each term for late charge. Do you think I should do a varied order now just in case the The SAR file take a while to come back as they have 40 days(?) to comply. I am worried the debt collection agency would use bailiff or order of sale straight away/shortly. Since I asked about the assignment letter, they request bigger monthly payment (more 6 times than they first asked for) by the end of next month(September) just to punish me for asking questions. And the visa card account the DCA quoted is different with my account, could I challenger this - would it be too weak. Oh, If I send the SAR to the OC, should I quote the new visa card no or use the one on my monthly statements? Hope you don't mind I keep poping up question. I now try to be more alert since I was such a fool in the old time and get myself the CCJ and charge order, try to be a bit wiser. Thanskf or any advice in advance.

Hi, thanks for your reply, supasnooper If I find out this judge would sit at my hearing, any chance I could avoid him, change date? I don't think you could ask them to change who's sitting at the hearing because i am afraid of his altitute. Any suggestion, please. I still reading the thread you recommend, thanks for your help. Should I request a SAR file now? To OC or DC? Any other good reason to add on the set off form? wrong visa card number... No assignement letter? Please could anyone tell me how much to apply for the set-off and if I failed, any other expense I had to pay at that point. Thanks in advance.

Hi, thanks Supasnooper , i would look at it in details. In the meantime, the visa card number quoted on the DC's letter is different from my account ( thought my visa card's number had been changed 3 times , the visa card company do this while they upgraded my card limit or doing transfer balance etc). Could I use this as a main point on the set-off but I had experience with a judge (who hate debtor) at a hearing about other debt, while I was sitting down the judge talked to me very rude at the hearing, just admit the debt and went bankruptcy.....you own so much debts. I am astounded and I nervously showed him my evident that I never had this alleged account. He talked back to me rudely saying that this poor DC (no one showing on that court date) just messing with their paper work, you must own this amount of money with their other account, admit it now and beware it's on tape, admit it now, did you own such debt. Did you? Answer the question, did you own such amount of debt? Say yes or no? I was so scar and eventually picked up my courage and said politely that it's not my fault/duty for other's people's mess. I would not admit anything without a right agreement (they provided an agreement that is for a visa card application, the procedure never completed, luckily I had letter to prove that I never had this alleged account). I sticked to the gun with my evident and I said I would not say another word about that account/amount of a special debt then I was asked to leave (with another harsh remarks from the judge).That SD was off due to lack of evidence... (The judge added something on that outcome letter, I forgot it now, it just something about givint the benefit for the DC if they want to do next round to claim etc). Now this DC got another caller to chase me, I just ignored them. Waiting anxiously for second round. With such horror experience, I have to say I am very scar to go back to court again. There's just 2 judges to deal with such case at my local court and the surrounding area. This judge was well known of such manner, the court clerk told me. The other judge just work once a week there. I must make sure I am well prepared for the set-off because this judge would have just ambushed my case and me. Any more opinion/ advice would be much appreciated. Honestly just to think about meeting this judge at the court is unbearable to me. Thanks.

I did a very studpid thing. I went to the citizen bureau for help with the court ccj form, they straight fill up the form and ask to sign it. Then a CCj automatically issued. After that the DC went for a charging order and the judge (who definitely hate debtor) granted them. Things go so quick and I now know I do a very stupid thing, I never challenge them the dispute amount etc. Now they start to chase me for the full amount (after a long time from the ccj granted and straight after the charge order issued) with lots of threats. They didn't agree to accept my monthly payment offer. They want much great monthly sum which I couldn't afford. I tried to get hold any assignment letter (nerver received one at all) or authorised letter from OC and credit agreement. They wrote back with lots of thread, they would provide any document for my case and since CCJ always issued, they have no commission to provide me anything under Consumer Credit ACT (I didn't mention this at my requested letteer). My question (please any advice would be much appreciated) : 1)How could I know they are the righful people to deal with the claim 2)could I get copy of a credit agreement at this stage (after SSJ) 3)This time, on the DC letter, they quoted the visa card number (The first time it ever be shown) and I notice that it's not my account number, could I dispute it? Any chance I could set off this CCJ and Charged order with the above reasoned (I learnt if I failed the set off in court, I have to pay the other party's soilictor's fee, is this true? and any other expense? correct me it I am wrong,please). Before I submit the set off form, Should I vary the CCJ order now since the DC threading to put me up with bailiff/order of sale, I am horrifiy by that. Thanks to read my story and any advice would be much appreciated.