ok - posting citizens b letter today rec del. thanks so much for your help so far will keep posted with respons...

It is - last payment in statement of account is 19th July 04

surely they can prove ownership of the debt as they have a signed CCA - would it not be better to settle the matter out of court by proving to them that would have no case inside of a court room and therfore would be wasting their time as they would lose????

Thanks so much for your help so far on this guys - its brilliant .... So my next course of action would be to send a recorded delivery letter outlining that the default notice is invalid/defective for the reason that the following details are missing as per guidelines set out by s87 (1) Consumer Credit act 1974 Details of agreement 1 A description of the agreement sufficient to identify it. Parties to agreement 2 (1) The name and a postal address of the creditor or owner. (2) The name and postal address of the debtor or hirer. Also pointing out that the default notice did not give me 14 days notice and that they claim the default notice was issued from the original creditor dated 26nov 09 even though by your own admission 'HFC BANK sold, and assigned all their rights title and interest ' on the 22nd Nov 07 - two years previously. Moreover as they have issued a defective default notice the alleged debt becomes unrecoverable . Am i correct ?? Also should I point out the interest rate variation, the additional 275 added etc or just leave that out and concentrate in the defective default notice CHEERS JAY

so the default notice is invalid???

the default notice is as i have scanned they are no credtor details only the credit agreement number.

I have today recieved attached letter from TBI's inhouse solicitors ref my dads above problem and attached default notice although they have the dat they sent this 26th November I did not recieve this. Can you help as to my next step as per the letter they are threatening legal action from the 29th April - as per my dads stroke he is unable to deal with this.

thanks - no default notice - i shall just sit tight then and await their next letter. cheers

I am looking after my dads debts etc for him as he has had a stroke - i have a letter from the above comapny chasing a debt from 98 - 2004 - they state he owes 703 - this has been reduced on statemnent of acct to 653 - i sent a letter requesting CCA which they produced - i then sent a letter stating it is statute barred and they have produced the attached statement of account showing a payment made in june 2004 - my queries are this is the CCA enforceable and no t/c's - the APR doesn seemt to add up to the interest rate - the PPI has been preselected showing my dad had no option but to take it - the statement of account has an adjustment of 275 added to acct and another for 60 with no explanation as to what they are for which means at the repayment rate set of 11 monthly he never would of payed the debt off - he actually repayed well over the required amount and the payments /credits int charges box in top right hand corner of statement of account just do not add up either - THERE ARE JUST SO MANY FAULT / DISCREPANCIES IS THIS DEBT ENFORCEABLE - can someone plaese help me - they say i have seven days to respond should i send a letter stating all of above and await a response - hang it out till its statute barred - ANY HELP WOULD BE MUCH APPRECIATED

thanks everyone so far for your advice - just wondering what i should do next as the letter states they will get their solicitors involved within seven days - how accurate this is who knows - may just be another bullying tactic ??? anyone who can advise me of my next letter or stance should be would be much appreciated

cheers citizenb there has been no acknowledgement of the debt I have followed without prejudice route and both letters I have sent state that my father does not acknowledge the debt. I have no idea what the adjustment for 275 was for whatsoever. what would you recommend my next step is - ask what the 275 was for - just hang it out until june .......please assist if you can cheers everyone for you help so far

cheers cerbus - from what i can deduce the interest free option 12 - relates to paying the full balance within the first twelve months which would coincide with the statement of account which doesnt add any interest until 12 months are up - then adds 63.64??

thanks for you help so far how do i go about claiming the PPI back - any idea what the adjustment of 275 would be ?? any idea why the statement of account just doesnt make any sense re additional payments and summary in top right hand corner?? can they enforce this ???

cheers - this should be statement - hopefully

i hope this is correct