OOOPs sorry silver fox about my rambling apparently they took me to court back in June 2010 to get an order for me to pay. If you let me know how to put the paper work up I shall endeavour to as they look dodgy and there are no signatures on the bottom. The new papers I have been sent is an application for a judgement to be entered against me in accordance with CPR 12.5 as I failed to maintain any payment in accordance with the sealed consent order. The court has then sent Howard Cohens a letter saying application refused as they need to make a proper application in relation to a Tomlin order?? I am guessing the judge is not happy with the dodgy looking judgement order from back in June 2010. Can I just scan the documents and attach them on here ????

Thanks silver Fox, Right where to start, Back in 2004/2005 My ex husband and I took out a JOINT loan with G.E money .Later we started divorce proceedings and we moved our seperate ways it got pushed aside. Since then it had been passed to C.L.Finance who have been harrassing me at work by phone and with letters to my home.I offered them at the time half of the money as it was a joint loan. They told me they could not find my ex so I was fully liable for the loan and they wanted the full amount from me. I started to pay off the loan but being on my own it became difficult. I got another letter saying it had been to court and I was to pay in installments by direct debit. As I had never had the chance to defend myself in court I did ignore their letter, until I was bombarded by phonecalls at work and my boss even told them that it was not right of them to keep calling the work place. I did give in again and pay some more off but it started to play on my mind that I had not had the chance to defend my self in court, so I joined this GREAT site and saw that lots of people had had issues with CL finance and Howard Cohen solicitors. I sent CL a CCA request in October last year and heard nothing, I then sent them a Formal Notice of account in dipute and a Formal request for information CPR part 31.16. I eventually received a letter from them saying they did not hold a copy of the required document on site but were in the process of retrieving a copy for me and they confirmed that while my request was outstanding enforcement action would not be taken against me. I have heard nothing since October last year until Late April 2011with a letter from the courts about my telephone hearing Tomorrow. The court papers that they have sent me from before do not have any signatures on and seem to have been tampered with. I do not know how to put them on here , but any advice would be most greatly appreciated. Many Thanks MS CONFUSED

Hi rebell, Is there a better forum I could post this on???? Do you know if C.L. Finance are in the wrong for taking me to court while my CCA request is still outstanding and the fact I have sent a formal account in dispute letter??? Any help would be great as I have court this Friday. Many Thanks

Hi CL finance have sent a copy of one of these to me for my court hearing on Friday but there is a line across under schedule and it is showing no signatures at all. It looks like it may have been tampered with and the bottom part removed ???? I have posted my problems with them on a legal issues forum, but any help will be greatly appreciated. Many Thanks

Thanks rebel11 but that does not sound good for me, will they just make me pay ???

Hi I have just recieved papers from the courts where CL finance has tried to get a court order for me to pay for a loan. The courts have said they have not prepared the paper work correctly and referred to The Tomlin case, does anyone know what this is ????. I have already sent CL finance a CCA request with a postal order and a formal notice of account being in dispute and a request for information in October last year. They have answered in Oct 2010 with a letter saying they currently do not hold a copy of the required document on site and are in the process of retrieving a copy for me They also state in the letter that while my request remains outstanding (which it still does) enforcement action will not be taken against me. Am I just stupid or is this court letter I have just received a breach of that ???? until I received this new court letter last week. Any ideas what I should do next ????Any help would be appreciated. ???? I am in court on Friday any ideas on what I should say Thanks

Hi Slick, I checked with experian and there was no default from them on my file. I have another letter the same as the one I posted on here just a different date. I will sort through some paperwork and look for one stating what the other £55.00 was for, I am sure it was a charge for non payment. Get back to you ASAP. Thanks again

Hi Slick hope that worked, I am more than happy to carry on will the valuable help from CAG. Many thanks for your time on this...8-)

IMG.pdfCopy of IMG.pdf

I suppose I just panicked and paid them the £480.00 as one of the letters I have is asking for £535.00 but if I paid within 7 days they would deduct £50.00 as a goodwill gesture. Would you like me to scan and put one of the letters on here.

Hi Slick, Yes I do have some of the letters still and can probably find more of them. I paid it in full as the person that was buying it as a gift did not carry on payments so they started sending me letters saying I was in default and registration of my debt had been handed to credit reference agencies, and I was now classified as a credit risk. I have since checked with experian and there was no such default against me.

Hi consumeredge, I have had one of these faxed to me via my place of work to sign and fax back. Can these faxes hold up in a court of law.?????.

Hi Slick, The person that supposedly bought me the membership as a birthday gift stopped payments for it. They then started sending me letters, I explained to them it was a birthday gift but they kept sending me the letters and yes I paid them because they said I was defaulted and a credit risk. After paying them I checked with experian and there was no such thing on my credit report. Guess I should just swallow this one then EH????

8-) and again so now Im gonna have another go

so Im gonna add a couple of smilies

Hi slick need to have 20 posts before I can upload link from photo bucket

OOOOOOH so the OFT are seeking a court order against them This could be good for me

Thank you sillygirl1 that could be most helpfull

Hi Slick how do I put it on here ?????

Hi Slick, I have received a photocopy of the membership form no Tc`s on the back. I have signed the membership form and the direct debit instruction is signed by the person that bought me the membership as a birthday gift. ???? Any ideas

Hi Slick, I sent a CCA req with a postal order as I know there credit form does not have my name on it as it was supposed to be a birthday present, but still they harrassed me for the money. Will let you know any reply. Thanks again:wink:

Hi pt2537 just going to fire off your formal req for information letter, as I did not get any joy with a cca request to c.l. finance. Fingers crossed will let you know if I get any joy.