Thanks for your response. So if the DN is defective due to Santander stating when all should be remedied by what should i do now? The DN is dated in May 2010, i have removed the date for ID purposes. i.e the DN sender could look up the date and trace my case.

Hi , Attached is the default notice from Santander. does anyone please know what my next step should be. Thanks very much. Herb Santander Def Notice.PDF

i will have access to a scanner tomorrow so it will go up here. i will also try and get a credit check to see if the default is on there.

I did do a CPR31:14 about 5 weeks ago as soon as i made the defense to northampton and what came with the attached letter above from Cohen was a default notice from Santander dated end april 2010. Its all puzzling.what should my next step be? will the courts write to me in due course? the fact that the default notice received is dated 6 months old could it mean that its actually lewis and not santander?

Hi, The claim form from Northampton states "the claimants claim is for the sum of £420 being monies due from the defendant to the claimant under a regulated credit agreement made in writing under reference XXXXXXXXXX. The defendant has failed to make payment in accordance with the terms of the agreement and a default notice has been served upon the defendant pursuant to section 87(1) of the consumer credit act 1974. the claimant claims the sum of £420. Speaking of Lewis Group-i have just come across a letter from Howard Cohen that came in the same week as the county court form which says that if i want to discuss the county court claim i should contact LEWIS DEBT RECOVERY.

Hi, Attached GE capital agreement and Howard Cohen letter. Regards, Herb GE Capital-Santander-Howard Cohen.pdf

I have them on PDF and trying to convert them to word so i can put them here. having a bit of trouble. will do it though today. Thanks.

Hi Alfwithair, I don’t have the POC to hand but will post the details here later. hi alfwithhair, Yes the store card was for £250.00,although in years i have been charged late payments and not making payments. I wrote to them and other creditors in September 2010 with a budget breakdown and my income with me requesting to pay £1.00 which was rejected. I have not been able to make payments at all and now they want me to pay £400+ Since entering my defence i have not heard from the courts although i have received a letter and GE credit agreement from Howard and friends! Regards, Herb

Hi All, I took out a BHS store card in 2002 and due to unemployment and other issues have been unable to make payments lately.(store card maximum was £250) At some point Santandar have taken over from GE Capital and I received a notice from Northampton in December stating that something had been filed by Howard Cohen for £420.00 I sent an “embarrassed defence” in January and Howard have replied last week with a GE contract and four statements maximum dated 2009 and 2010. I do not know what my next step should be and i was thinking that good people here would be able to help. Many Thanks, Herb