Really appreciate your help. Thank you sir.

Thanks, that's good news. I am guessing that they will be told of the sale and any equity and come out of the woodwork? The loan was taken out 2005 and the last payment was 2010. They went to court despite offers of token payment and haven't pressed for payment. The ccj will drop off my file early next year. Is it worth making a full final offer?

This looks like the relevant part.

Right then, I pay £3 for the title register?

Loan was in my name only, mortgage is joint names. Does this make a difference?

Long story short, it's a 8000 unsecured loan that they refused to allow me to pay off slowly. There is no ppi as I've always considered it to be snake oil. They managed to get a default judgement ccj as I was slow to respond. I wasn't able to pay in 28 days and so they got a charging order. I'm looking to sell up and there isn't a lot of equity which I'm planning to point out in the letter. It's a long shot but worth a try?

Hi all, have seen the contacts here: http://www.consumeractiongroup.co.uk/forum/showthread.php?74985-****HSBC-Contact-Information-**** Does anyone know where I can send a full final offer to? Thinking that I email a copy of the letter as it may be quicker? Thanks

Thank you for your advice Coniff, much appreciated. The problem is with the bodywork, the covering or finish is 'artex' as opposed to smooth and the distributor will no longer supply such a finish to the seafront. The actual site have cancelled several orders from the manufacturer (Abi) and now only buying alternative makes due to several problems. Ultimately, I think they will have no choice but to accept a repair, despite their worries that it wont be the same post repair and their worries about it lasting, its a shame as it is a hell of a lot of money, more that I paid for my first flat! I think they were hoping it would outlast them, bless

Hello, it was purchased in September 2014.

My elderly relatives have purchased a static caravan near the coast for retirement but have had some issues and I was hoping someone here with a sharper brain than mine could help as they are old and very distressed after spending a huge chunk of life savings. The caravan is only 18 months old but already starting to rust away. They were hoping that it would last at least 15 years which is what was promised when sold. The site have written to them stating that the caravan is indeed faulty but as they had no knowledge of this at the time of sale they feel that the caravan was sold in good faith “as fit for purpose.” The site have proposed a repair in good faith as the caravan is outside the 12 month guarantee. Several other have been repaired nearby in the last 18 months and all have been subject to several problems and repeat repairs as it seems that once they are taken apart they are never the same. My understanding is that after 12 months the onus is on the consumer to prove that the fault was present at the time of purchase. And they have admitted this in writing.

Good day to you all. I have received a notice this morning from the court. The claimant did not complete their allocation questionnaire on time and as such the claim has been struck out. Is this a positive outcome for myself?

I only have a few days to fill this in and return it, failure to do so could result in a default judgement. So to answer the questions on the form, I believe that I should: Agree to refferal to mediaaition? Not agree to allocation to small claims track as the account is SB and they have ignored my CPR request?

Right then, first of all thanks once again for helping me make head and tail of all this. Today I received a notice of proposed allocation to the small claims track I am required to complete a directions questionnaire within the next 2 weeks. Is it appropriate to point out that this is statute barred? Is mediation a waste of time? As the cpr requests sent to Restons and Arrow have been ignored, I dont have a hell of a lot of information. I have a photpcopy of the letters I sent in 2009 and I am trawling through my old bank statements to find the payments. I also have the online credit report. Im unsure if there is a hell of a lot I can do about this?

Good day and a belated best wishes for the new year. Thank you once again for the advice and support above. I acknowledged the claim on the 16th and sent cpr requests to Restons and Arrow by recorded delivery, both signed for next day. I waited until the 11th and then submitted a defence which included statue barred and mentioned the spr request. In the last week, I have received a letter last week from the court acknowledging my response and a copy of n434 form from restons who have resigned from the case. I am unsure what to expect next as it seems to be a waste of time pursuing this in court but I head read on here that it is not unknown, in fact surprisingly common. There are other debts which are now also owned by arrow and are close to also being statue barred but not yet. With this in mind, I feel it is best that I refrain from making any token full and final payments on this one.

I bow down to your knowledge on this. Am I right in thinking that the account is likely to be statute barred and if so should I defend the action on this basis?

The default notice on my online credit file is dated April 2011.

Once again, thanks. I have found the default date using Noodle which is quite some time after the last payment.

Thank you Bazooka, the original lender was Egg. I have looked on my file using Noodle and can only see 3 years of non payments reported. I am completely out of my depth here so appreciate any advice. This seems to be a waste of their time and money. Should I request a CPR31.14 or is it best to submit a statute barred defence and leave it up to them to prove otherwise.

Thanks citizen, sorry I missed these. Appreciate any advice. Issue date 10th December. The claimant claims payment of the overdue balance due from the defendant under a contract between the defendant and Eggicon dataed on our about Dec 2005 and assigned to the Claimant on Jan xx 2013 PARTICULARS a/c xxxxxxxxx Date 11/2015 Item Defaunlt Balance Value 39xx.xx Post refrl cr 0 TOTAL 39xx.xx Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. No, i believe not. Were you aware the account had been assigned – did you receive a Notice of Assignment? No, I beleive that it was previosuly assigned to someone else but cannot locate the paperwork right now. Did you receive a Default Notice from the original creditor? I dont beleive so. Dated April 2011 on my online credit file. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I have recently received a notice in the last 6 months. I cannot locate any older notces. Why did you cease payments? I was in serious money trouble. What was the date of your last payment? June 2009 Was there a dispute with the original creditor that remains unresolved? I did request copies of the origional agreement under the CCA act. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? No

I have received a claim form from Restons / Arrow global dated 10th December. Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. The are claiming just short of £4000 for an old loan debt The loan started in 2005 and should have completed in 2010. I was in a serious amount of difficulty in 2009. I used the advice from another forum (cant recall which sorry) to send a number of template CCA request letters and the account has been in dispute without payments since June 2009. I believe that I should send a CPR31.14. Also, I should acknowledge the claim online within 14 days and send a defence within 28 days. It will be difficult for me to find the money quickly and hopefully the court date is later in the year to give me more time so I am very stressed right now.

Thank you. If I am not doing anything wrong legally then I do feel a hell of a lot better to be honest. Even though I have not worked during the gardening leave, I still felt like I was doing something wrong. Like most people I think I will be doing what is best for me an my family, but you have made me a little more at ease - thanks.

Make sure that there is something amicable in the compromise agreement, its in everyone's best interests and usually companies are keen for this also.

Sorry to ask again as I know my dilemma is a lot less pressing than some on here, but does anyone have an opinion on this? It seems that jobs are like buses, I wait a long time and two come along at once! If there is anyone out there that has been stuck at home long term and fighting to get b ack into the game - then I say to you to keep on fighting as there are jobs out there.

I would say no. However, as an alternative view - a good accountant may pay for themselves by saving you tax or presenting the figures and thus making you application all the more attractive.

Hello all. I have been lucky enough to be offered a job with slightly more money and more security. I have been at my current job for almost 12 months but things are not good and as one of the last ones in I have been stressed about losing my job. So I handed in my notice and with holidays I would be able to leave on the 14th. They were not happy that I was leaving as the new job is in the same industry and although not really a competitor, the bosses of the two companies dont get along, some history there I think. I handed in my notice on the friday afternoon, on the monday morning they called me into the boardroom and said that I would be on gardning leave and I would have to use my holiday during gardning leave meaning I wouldnt start my new job for a week later. I was happy to work and hand over skills to co-workers and tidy up a few jobs but fine I said and home I went to spend some time with the kids - BONUS! The thing is, one of my old bosses bumped into me in town and after a drink he offered me an interview with him. I would have a few hundred spare each month and this hopefully will help clear my debts! I have had a few weeks to clear my head and now I think that this is a great move. Sorry if this makes me sound like an indecisive drifter, but in recession and hard times we have to grab at any opportunities! Questions: Could I run into problems with either companies if I go for the interview? What about if I accept the job, will my old company try to claw back the gardening leave pay? I dont have the energy for a new job and a court battle.