I did at the time. But the judge was very dismissive and simply said, it's clear you signed the agreement, these charges are in the agreement as st the penalties etc I had a solicitor look at it but it didn't sound positive.. ..I can upload everthing tomorrow (no access to a PC till the morning) Is it not to late now? Any advise will be approciated my main concern at the moment is getting this "court questioning" confirmed. I have been advised that when they go over my finances, it's all done on guaranteed income (my basic pay) which has calmed me a little, as I have supplied a I&E stating exactly what I earn etc.

Thank you, I'm hoping they accept my payment plan before it gets to even meeting them. I understand these are also referred to as "questioning" and is usually carried out by a court official. I have been advised that it's in short a "I&E form and based on my basic earnings. I'm keen to get the letter, but this APS are by a parcel courier or the Royal Mail, so I have to have it rearranged. So far I've called them over 10 times without any luck. I am printing off a call log daily to keep record just in case.

Morning Guys/Girls. Thank you in advance for this help. Hope this is in the right section (sorry if not) Very long story short, when I was younger, burying my head was great and new cars had been top of my list! Fast forward ten years, that's not the case!! About 8 years ago, I took a car on finance through Welcome...(£6995) after 3 years, I got into trouble with work & the car got repossessed. At the time around 3900 had been paid. Fast forward to last year, I got called to court (8 months before it with have been statute barred) and I was given a CCJ for £12000. At the end, the judge said, "the creditor will contact you for payment" And as we walked out, so did the solicitor. I recently received a "missed" parcel from APS. Quick look ok here, it seemed it would be in relation to the CCJ. I called welcome to make payment plan, they told me to contact IND, I contacted them, and they said I need to reply to APS as I have a date set in court on 10th November. But I MUST get te letter re delivered from APS. I'm assuming they are trying to SERVE me? The girl at IND said it was to sit with someone in court to arrange a payment plan and go through my finances. Would that be a "Order to obtain information" ? So, the second I finished the call, I sent a letter registered, to the court that issued the CCJ, Welcome Finance And IND wth a breakdown of my finances and an offer to pay £35pcm. My basic wage is £15000 before tax. And have other debts I have payment plans with. I suppose I just need some advice on this "order to obtain" if IND accost my payment plan, will they cancel that? Has it done me any favours with the court offering to make a payment? What happens if I'm not Served before the 10th November? Will they just set a new date? Thank you so much again, any advice is helpful ��

Hi Guys, Just to keep you in the Loop, I was recommended a solicitor who's currently looking over all the information now. Its still early days! However, the signs are positive! I will keep everyone posted guys! Want to say thanks for the help getting to this point.

Thanks for your help on this guys. I'm currently trying to arrange an appointment with CAB -they may be able to shed some more light, certainly if I sit with a solicitor that can perhaps clarify some things at the very least.

I accept ANY opinions here tbh, I simply need to consider all angles. I will contact CAB tomorrow to book an appointment with them to see if they can help also (wise idea?)

Oddly enough there is No date. Not even an option to put one, unlike there's where it clearly says "DATE" where i sign it does not?

What does mean? That the agreement is non enforceable? Is there a way of delaying the court action and ask for more time to get my defence? :?: Also, should I make an offer of a very small amount of pounds to clear there debt

From memory the garage needed to do its final checks on the car, then there was an issue wit them taxing the thing! THEN the direct debit was wrong (Welcomes issue) so only ended up getting the car 1st week of april from memory.

Does that help me or hinder..... sorry! This legal stuff is seriously flying over my head.

docs removed now converted to PDF after redaction dx

Would you say I have a pretty good chance of having this account wiped? What are the chances if I compile a counter claim regarding the repossession of the car? Thanks for all you help here! I feel a lot more relaxed.

I am unable to upload the pictures. But the signed agreement I have and the ones they have sent to the court clearly state its a Hire Purchase.

yes, that's what the claim form has said. is this not correct on their part?

None of the paperwork provided by IND has the original agreement number I have here. BUT they are clearly referring to the agreement we had.