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About Shree420

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  1. Thank you so much Citizen B. I pray that you always have the strength to keep up the fantastic work you all do Yes Ford they have sent me in writing that they accept my offer and they do not want to involve any third party.
  2. Last night I really decided to take the bull by the horns. The choices to me were: a) Apply for it to be set aside for the reasons as suggested by THE MOULD b) Take my chances at a petition and explain to the judge about my illness, reasons for this debt, willingness to pay with a very reasonable offer and the length of time taken for IG to chase ask for the money c) Try and appeal doing my very best (with honesty and integrity) to the creditor Last day for the SD to be SET ASIDE would be Thursday but I would need to do tomorrow (Wednesday). I opted for © and bypassed t
  3. Whatever the case Gastro. They have sent me this as a reply in response to that. So it is still very useful to have a copy of the customer agreement for this. I passed your request on to our Compliance department and they have advised me that as you did not have a credit account with us there is no "credit agreement". There is however a "Customer Agreement" which you would have agreed to when opening your account. I have requested a copy of the relevant Customer Agreement from our Marketing department and will forward this to you once I receive it.
  4. Wow thats a deep post and in places spiritual. I myself am very religious and its faith that is getting me through this. We reap what we sow. So that is why one cannot just wallow in self pity at times like this. I got myself into this mess (due to very poor ill health) and hence now I must do whatever I can. The rest I leave in his hands. We are all destined to meet and I was destined to meet you on this path. Agree with all your posts re: Debt. One only needs to research Illuminati and Rothschilds to see the past, present and future. Banks are the biggest [edited] and they ge
  5. HERE YOU GO THE MOULD This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply. If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignme
  6. Thank you so much for your continued concern my friend. You are an amazing human being. Really humbled by your help. Yes I got this today from them by email. The "third paragraph" is re: a letter I sent them for a CCA request. Not sure how this effects my "Set Aside" other than now I can say I am in "negotiations" with them to clear the debt. We acknowledge receipt of your letter of 14th August and the cheque for £101. We refer to the third paragraph of your letter and as we are clearly not the creditor, but the solicitors acting on behalf of the creditor, we hav
  7. Its a total pain for me. House is in my name only and debt is in my name only. However wife has been here since we got married in 1993 and children have been here since birth.
  8. Gaston ... Surely it is worth trying to set aside. One has nothing to lose by trying? Provisional grounds are as follows ... a) Creditors only just contacted me after 4 years and not really tried discussing this debt with me, instead just going straight for a bankruptcy petition. b) Amount is disputed as there is suddenly an amount of backdated interested added to debt. Requested the CCA that they refer to in their comments on the stat demand. Awaiting this CCA. c) Have offered a reasonable amount to try and clear this debt as best I can and am in negotiations with the cred
  9. Thank you so much Gaston.Are you saying absolutely no point in setting this aside. Do you suggest I just let them go for the petition and then deal with my case then with the judge direct? Is that not highly dangerous? Sorry for so many questions, but my time limit to SET ASIDE is fast running out Thanks in advance
  10. Thank you again everyone so far. THE MOULD .... Please do not feel bad. I am eternally grateful for you taking so much of your time and trying your very best to help. All information is useful. I will need to recap where we are up to. I take it you are saying that the CCA (Creditor's Customer Agreement) request may n ow be meaningless. SHould I still SET ASIDE this or just leave it to a petition?
  11. Indeed there was no request made whatsoever Mould on this debt between late 2008/ early 2009 and 2013. Not one letter, phone call etc. First I have heard form them since 2008/2009 was 12/06/2013 in which a solicitor wrote to me telling me that they had been instructed by IG Index to recover this debt.
  12. "Interest on has accrued on the sum of £10,712.89 at the rate of 4% above base rate in accordance with Term 15 of the Creditor's Customer Agreement entered into between the creditor and the debtor from 16 March 2008 to the date thereof in the sum of £2,938.29)" This was the line they added to the Statutory demand, so they used "Creditor's Customer Agreement" and I asked for a CCA basis that. It has not arrived yet so sadly I do not have it and was not aware I have signed one.
  13. THE MOULD made a very valid point on this in #26. They quoted me the CCA with regards to charging interest and backdating interest in the stat demand. Their letter and all correspondence never quoted any interest and always a total amount of just 10,712.
  14. Thank you so much for the above threads THE MOULD. You have been a Godsend with the rest of the great guys here. As I see it, with all your great help guys, I see 4 points for the Set Aside: a) CCA requested but not yet given/arrived/complied with b) Offered a very reasonable £100 per month to clear this debt c) Disputing the amount as at no stage was I told the debt is 10,712 + interest until I received a stat demand d) Not gone through proper channel. They should have applied for a CCJ and not gone straight for bankruptcy e) No default notice received whatsoever prior to t
  15. You are too kind The Mould. Started reading that thread. I am upto Post 71. I am sure I will need help on the exact wording of my reasons for SETTING ASIDE as your brilliant link to that thread above is about "statute barred" reasons for SETTING ASIDE. I think it will be basis this: I am disputing the debt they are asking (ie. where the interest has come from) I have asked them for a CCA and no reply yet. I have made an offer to pay the debt off but no reply yet. However your legal point must carry the most weight: "Did you receive a valid statutory default not
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