Its a court form from Northampton, its a county court claim form. (I've just re-read my first post and I haven't actually stated that, sorry). We have the choice to : agree with all claim and pay now OR agree with all claim and need time to pay OR admit only part of the claim or disagree with claim or want to counterclaim. Has to be received by the solicitors by the 22nd (with an 'appropriate' payment offer or they claim in court)

Nope haven't requested a copy, I think we have a copy ourselves somewhere.. and yes we did get a default notice and we told CCCS and they said to send the form through and they would contact them. The thing that worries me is we have got to respond to all this by about the 20th November. CCCS has said to admit everything, and send back our budget with the form, along with the CCCS recommendation of paying then 5.64 a month - I'm sure they're going to love that. What I am worried about (apart from the CCJ for the next six years) is us being made to pay more despite all our spare money already going on our monthly dmp. Oh and the threats from the solicitor which say they may: apply to court for attachment of earnings, or issue a warrant for a bailiff or enforce by issuing a charge over our property. (we jointly own a mortgage)

Ok well the CCCS have told us to admit everything and have filled in a form with us. To be fair, we do owe them money and we can't afford to pay it so I'm not sure really what else we can do. (the debt is for a buy now pay by a certain date or get hit with a whack load of interest computer) The particulars of claim are as follows breach of agreement pursuant to the consumer credit act 1974. The defendant entered in to a written agreement with the cliamant. This agressment is regulated by the Consumer Credit Act 1974. The defendant is indebted to the Claimant in the sum of the £1544.77 and in respect of the said agreement under account number xxxxxxxxx and maintained by the Defendent at the claimants branch and the sum of £253.54 in respect of costs under the said agreement. In breach of the said agreement the defendant failed to make a payment in accordance with the agreed payment terms and the claimant issued and served a dafault notice upon the defendant and pursuant to section 87 of the Consumer Credit Act 1974. By letter from the Claimanat to teh Defendant the Claimant demanded repayment fo the said sum but hte defendant has failed to repay the said sum. in the premises the defendant is indebted to the claimant in the sum of £1798.11 the claimant therefore claimes the balance due under the agreement. please excuse typing, I lost the will to live halfway through.

I've just posted on MSE forums and somebody said this site may be able to help. My boyfriend is on a debt management plan with CCCS and most of them are fine - however, this morning he received a CCJ application from hfC. (this is exactly why he didn't want to go on a dmp in the first place and why he wanted us to just continue trying to pay the minimum payments for all his debts - which was impossible). what do we do? I let CCCS know ages ago and sent loads of copies of solicitors letters from the HFC side to the CCCS team and we never heard a thing back, although they acknowledged they had them. We have already had letters from the solicitors, which I replied to saying he was with CCCS and then forwarded the letters to them. There was a bit of a mix up when we first started whereby HFC hadn't been included in the recipients pay list but that had been rectified by the time we got the solicitors letter. The amount we owe them (according to the form) is 1772.75. They have added court fee of £75 and a solicitors cost of £80 making the total £1927.75. However, reading the particulars of the form its says we owe them £1544 and have incurred £253 costs. It was for an unsecured credit thing (buy now pay one year etc) for when my boyfriend bought his computer . Do I pass this onto CCCS? It says we have a limited time to respond. I'm not sure what to do. :?

My sister has been staying with one of her friends sisters. She paid the first months rent and deposit and furnished the entire flat, whereupon they locked all the deadlock bolts (my sister only has the main doorkey), said she couldn't stay there anymore and won't give her stuff back. This girl is a council tenant and my sister is not on the rent book (although she has the deposit slip). We are more worried, at the moment, about all her items in the flat - my sister has all the receipts to prove these items are hers - how do we get them back? if she is not showing on the rentbook are we legally entitled to get them back ourselves (breaking door down if necessary). Or should i call police? The reason she has kicked my sister out is because her Algerian boyfriend 'comes off his tag ' next week and wants to move in. Also, I am not happy that my sister has been paying and not even showing on the rentbook. Is this girl illegally subletting her apartment? Can we do anything? Jo

OK i've sent them off but I couldn't find addresses so just sent them to the branches I am registered with. As soon as I got back i found the right addresses. I presume they will (Hopefully) be forwarded onto the right address?

I've just popped over to view your site as its mentioned loads on Moneysavingexpert.com Made bankrupt in 2002 and although I have only myself to blame, the two banks involved at the time (Lloyds and Woolwich) played a large part in my financial demise with fines, fines, more fines and a small heap of fines on top. I am now anxious to reclaim bank charges and am sending my letter and cheque for fine details off today. I hope the rest of you are well, healthy and soon to be wealthy with reclaimed bank charges. Jo