Thanks Brig, appreciate your help. One thing I was wondering - when ICF went bust they would have gone into administration? When they are do they have to write off the debts and if they didnt and could sell them would the administration company have to have had some kind of contractual due diligence to go through ensuring the clients legal interests under contract law were protected?

Hi I have exchanged a few letters with TBI. Since the advice from Brig I sent them two letters, there has been some exchange discussing identity documentation and original application forms which I wont go into and more importantly regarding the main points made here in the forum they wrote - We refer to the above matter and the letter dated xyz...to Kevin Edgar of our client company. Please ensure all further correspondence is sent to ourselves. We are currently awaiting a copy of the county court judgement and once we receive the same, we will supply you with a copy. We believe that the documentation we have now provided you with, proves without doubt that you did enter into the Loan Agreement with ICF Limited and therefore, we trust that we will now receive your proposals for repaying the sum of £xyz... due to our client company. Should we still fail to receive these proposals, we have been instructed to apply to the court for leave to enforce the judgement debt What do you think? Thanks

Thanks for that DX I have moved about 5 times in 10 years, ill look into it and feed back

Hi I checked the credit file to see a default from BT from 2010! They posted it on the file after 3 years and according to Equifax they refrained from posting any information until they cleared up some data commissioner issues and aligned with regulation (apparently) so I was unaware of this action until now nearly 3 years after the event even though I have copies of CRA file for every year since then! It turns out I had postal forwarding at the address for 6 months and still have proof of that but didn't ever receive a bill. I know this would be my word against theirs but I have read in other posts and on other forums its possible to request they remove a default as a gesture of good will under similar circumstances. I recall one post saying they lived in a shared house and moved out reliant on someone else to pick up the final bill when it came through having cancelled their direct debit. Im not sure how to put this to BT, whether in writing or not and if there could be a way of explaining it to them to appeal to their nice side? Any feedback appreciated and any posts I may not have read links to appreciated, Thanks

Guys Have any of you tried the 5:2 diet. Im a bit concerned about peaks and troughs in energy levels as a result and not sure about what to eat if energy drops and feel drowsy during the day? Any feedback? Thanks

I agree with Sequenci but perhaps schools should have compulsory school dinners no pack ups etc, the schools should grow as much of their own as possible which could be very educational for the kids too. I dont think it will never happen though ! Although that said allotment gardening and grow your own has just come on to the curriculum

Guys Just wanted to say the forum is really good and the people here are great. I hope you all get to the bottom of the issues your having. Best regards

Hi Does anyone have any dealing with Imperial Consolidated Financiers Ltd and their PPI? This goes way back. Thanks

Hi does anyone have any experience of QUID?

Hi I used a payday loan about 6 months ago and the process for been accepted was easy but I found a lot of companies are just fronts on the internet and make referrals. One referrer seemed to get about 20 people to contact me on the mobile, this lasted for about 3 weeks and I still get texts from them. Has there been any work on stopping these rogue ones that are fronts?

Can i just say thanks again to everyone who helped out here so far

Thanks I had no prior knowledge of any CCJ at all until 2010 when I heard from Merit. Because they claimed it was 10 years old I didn't worry about it and sent the letters mentioned early in the post. I will go to CAB and discuss with them showing them this thread as detail.

OK I will send the letter. What amazes me is how it sounds like the county court works! I find it amazing to think that I could be taken to court for something with out a notification from anyone at TBI or from the court and not given a date of a hearing to be given the option of providing legal representation to make sure things are dealt with fairly on the day - as has been said the judges interpretation is what counts so without representation to sway their thinking its completely one sided!!

OK thanks for that Tinkerman. I can afford to pay for some specific legal advice and representation and think it would be worth it at this stage knowing what I know based on their feedback in SAR re earnings attachment etc. Can someone recommend a firm to approach for this either that or please give me some certainty based on what has just been said. I need to be a few steps ahead on this.

Thanks again, one the request to York CC to see what has been sent from the other court and to find out about attachment of earnings request please can you tell me how I would contact them? Would I state the claim reference or would I write to them just with my name and request anything they have in my name?

OK I will send the letter tomorrow (to let Brigadier check the other bits ive posted) and let you know what I get back from them Thanks a lot for all your help guys

Thanks Sequenci I will send Brigadiers letter to them tomorrow, just one question for clarification.. What is attachment of earnings order and what will happen about that? I dont want them contacting my employer - Or will they have already done that? Regards

I didnt find any other documents that were any better but interesting what you say Sequenci about Attachment of Earnings. To be sure here is a copy of the section saying about AOE (attached) Brigadier, please confirm what you said should be still sent. Regards

Brigadier ill post a few more screen shots with some interesting information on I can photo from what they sent give me 5 minutes and I will read the other post once ive attached and sent.

Here goes, the screen notes are quite long but ive condensed it here 24/12/12 – Merit File received Box 26 11/03/13 – Received a call from xxx said they received the letter but been in property for 3 years and O/C never lived there, said property is housing new build. 11/03/13 – Issue to new address (correct one) 03/04/13 – Customer has sent “copy” of ltr sent to Merit dated 29.12 wuth a data SAR stating not responded to and do not harass! Looks like using all delaying tactics as various lts on merit file including statute barred letter 03/04/13 – Personal ltr to OC req Immed Props and stop delaying 17/04/13 – Ltr from OC states all corresp with Merit was sent recdel and he always recs assistance with writing ltrs from his partner/family and CAB. Says if we do not stop contacting him he will make a formal complaint to the FOS and others !!! 17/04/13 – Ltr to OC with COA SOA Copy judgement claim and out complaints proc adv him will be passing to solicitors if not dealt with amicably 13/06/13 – GB Search lists mobile number as (correct one) at C/F Add, for O/C TELE Mobile L/MESS TTO. Also L/Line Number listed OOS (Correct one) 14/06/13 – Borrower called office he said he will not S/W TBI on phone anymore and if we want to correspond then all must be in writing. 18/06/13 CHIVERS NOTES 11/07/2000 – Papers to tracing agent 01/09/2000 – Tracing agent instructed 10/10/2000 – Seven day LBA 20/10/2000 – Default claim generated for CCBC 23/10/2000 – Summons issued on 23/10/2000 23/10/2000 – JMT available on 09/11/2000 23/10/2000 – Summons issued on 23/10/2000 23/10/2000 – Default claim regenerated : for CCBC 27/10/2000 - Default claim regenerated : for CCBC 09/11/2000 – JMT requested 09/11/2000 – JMT to be paid forthwith 09/11/2000 – request for judgement (CCBC) 09/11/2000 – Request for judgement generated 09/11/2000 – JMT entered for 13/10/2000 15/11/2000 – Attachment of earnings search 15/11/2000 – Request for judgement (CCBC) reversed 15/11/2000 – JMT requested 15/11/2000 – JMT to be paid forthwith 15/11/2000 – request for judgement (CCBC) 15/11/2000 – Request for judgement generated 15/11/2000 – JMT entered for 17/11/2000 28/11/2000 – Tracing agent instructed 05/01/2000 – Tracing agent instructed 20/02/2001 – Enforcement warning notice 26/02/2001 – Enforcement warning notice 14/03/2001 – Letter to DFT – threatening Bankruptcy 26/03/2001 – Tracing agent instructed 12/07/2001 – Transfer action to another county court 24/08/2001 – Tracing agent instructed 14/09/2001 – Letter to Client Unsuccessful trace 24/09/2001 – Case Closed (RUN) on 24/09/2001 by automatic processing 25/09/2001 – Case reopened on 25/09/2001 12/01/2004 – To Client with results of OCE 26/02/2004 – Case Closed (STOR) on 26/02/2004 Then it goes back to the later comments – 18/06/2013 – Issued in Northampton Bulk centre, xxxxxxx CCJ 17/11/00 £xxxx, trans to Yorkm, AOE issued Fee £50 OS Bal £xxxx 20/06/2013 – PJ Letter sent 02/07/2013 – Lt Recd from OC enclosing P/O for £10 asking for copies of everything … Passed to LB to respond.

Brigadier Iv attached a photo of the court document for you to look at - Ill also type up in brief details of electronic notes and what they say about the enforcement action steps they contain.

Thanks brigadier I hope there is something I can do.

Thanks for your help 2grumpy.

Thanks Scarlet Pimpernel Would you recommend me writing to them and saying something along the lines of what you say "A judgment is an order of the court, and neither Merit nor TBI can vary the terms of it without applying to the court to be substituted as claimant" That said, perhaps a letter like this if seen by the court could infuriate them and they may grant TBI and their solicitors the right to claim? Regards

Seminole, Thanks for your latest reply, I understand what your saying so perhaps there is nothing I can do to force transparency or to question them on their intentions.