Hi Andy & Dotty, I didn't defend it because I didn't know it was happening. It would have been Statutory Barred when they got the order - to the best of my knowledge. My previous posts are still on site, take a look for previous history on this matter. June 2010 if I noted rightly when I looked. regards stf3 Ok all, will sort the form and get it to court. Thank you for your support regards stf3

Hi dx100uk, Thank you so much for getting back to me so quickly. Had a personal loan from Blackhorse, ran into probs late 09 beg of 10. Missed a few payments last payment was 04/01/2010. Does it fall under Statutory Barred? Contacted CAG around June 2010 for advice on default etc. Sat 5th March received Notice of Application for Attachment of Earnings Order doc dated 02/03/2016 envelope postmark 03/03/16, postage paid 39p. Attachment has to be at court within 8 days. Have had no contact with Blackhorse, Hillesden or Mortimer Clarke sol, even though I haven't changed address. This is the first contact made re the loan. Reading on your site Registry Trust was advised so done that and to my surprise they got a judgement at court on 11/01/2016 against me, Status - Unsatisfied Judgement. Is this allowed without even letting me know? I rang the court to state I wasn't even aware about the judgement until today, how come I wasn't notified. She said to ring Mortimer Clarke. Am stressed and annoyed, what do I do? They have bunged on loadsa charges. Would appreciate any advice please regards stf3

Hi, I am really sorry I don't know how to post a question, I can't see for looking! Could you please enlighten me as I have received a Notice of Application for Attachment of Earnings Order. I received it Sat 5th March although it is dated 2nd March. It has to be filled in and at the court within 8 days. Judgement creditor is Hillesden Securities and its Mortimer Clarke Solicitors address for payment. I have not had any contact with Blackhorse (who the loan was with) since 4/1/2010 which was the last late payment made, the next payment was due 24/1/2010. Is it Stat Barred? What do I do about returning the Notice of application for attachment of earnings to court? Obviously if it is Stat Barred I do not want the court forcing me to pay. regards stf3

Thank you so much Cerberusalert. Am I right in thinking that I haven't defaulted yet because the last Default Notice they sent me was a day short. Does sabre rattling mean they are trying to scare me - be threatening? Sorry have never heard that one before. stf3

Hi Cerberusalert, I have just received this in the post. Can't afford to pay it. I don't know what no's 1&2 mean and re no3, I don't have to let Baliffs in my home but can they seize my goods? Am getting concerned now cos not sure whats going to happen, hope you can shed some light on the above please stf3 Image - TinyPic - Free Image Hosting, Photo Sharing & Video Hosting

UKMAIL postage paid S (had to put my glasses on to read 'postage paid, never noticed it b4).

No postmark, brown windowed envelope, same as previous 1. stf3

Previously I stated a pnc check, I meant a HPI check. stf3

Hi Cerberusalert, Have received another default notice, have attached. I worked out the dates like you explained b4 and I think it is short 2 days, could you please check for me. Thanku stf3 Image - TinyPic - Free Image Hosting, Photo Sharing & Video Hosting

Car dealers think its on finance cos pnc check states so. That implies BH have done that, when I have to deal with them I will enquire why they are giving out false info, surely thats not allowed. Thankyou very much Cerberusalert. stf3

Does that mean that I can sell the car to pay off whats owed?

That would be brill, would he also be able to tell me if its a personal loan or HP, BH have told me its a personal loan but if it is checked by a car dealers it says its on finance ie HP. Much appreciated stf3

Thankyou so much for all your help will no doubt be in touch soon. It was signed on Trade Premises. Also I did mention b4 that I asked BH for copy of agreement they sent me 4 sheets of a set of 8, which consisted of agreement (already posted), used car invoice, copy of my driving licence and sheet headed Dealer Pack. No terms & cons just whats listed

http://tinypic.com/r/10xhxec/6 http://tinypic.com/r/30upxe0/6 This should be the Default Notice, thankyou for your patience. stf3

Hi, am new to this, just joined so am not familiar with the workings of this site yet. Have been reading Threads for past 2 hrs, very impressed and relieved to know that there may be some light at the end of the tunnel. I too have a problem with Blackhorse, Blackhorse told me it was a Personal Loan, I got a car dealer to do a 'PNC' check (dont know if thats what its called, where they check to see if a car has finance on it) it came back that it has. I requested a copy of my agreement from Blackhorse last month which they posted to me on 10.05.10. They are numbered at the top, I was only sent 4 of the 8. Also HSBC is not my bank nor is the account no or sort code on the agreement, theres crossing out on the form but details visable are not mine. FIXED-SUM LOAN AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974 is what it says at the top. I too attempted to work out the amounts using the link provided - Loan repayments calculator. It didnt tally but I am terrible at maths so wasnt expecting it to anyway. I received a Default Notice dated 18th Feb 10 stating that I had broken my agreement as there are arrears of just under grand and they had to be paid b4 9th March 10, if not they may demand payment of the total amount. Also a paragraph on all the costs I will incure if they take me to court. The last letter I received dated 13th May 10 was asking me to pay the arrears of over 2 grand immediately. I havent because I cant, Im not employed at the moment, am seeking work but do voluntary work at the moment. I have read so much info this morn, a lot to take in when ur tired and stressed. Is there a template letter available for me to send to Blackhorse requesting all documentation/info on my agreement with them? Plz Would really appreciate any advice on what to do next!! Im so worried, this is all new territory for me, Im nobodys fool nowadays, but was had over good and proper in 06. Gossip goes that the dealers where I purchased the car was proper bent it got closed down, then reopened with all new staff. stf3 Sorry so long