how about this? Particulars of Claim 1.THE CLAIMANT PROVIDED THE DEFENDANT AN AGREED CREDIT LIMIT UNDER A RUNNING ACCOUNT AGREEMENT DATED 04 JANUARY 2012 (SHORT TERM LENDING), TO THE SUM OF 300.00. 2.THE ACCOUNT HAS NO FIXED DURATION, ENABLING APPROVED SUMS TO BE DRAWN DOWN UP TO THE CREDIT LIMIT. EACH DRAWDOWN AMOUNT PLUS INTEREST WILL BE REPAYABLE WITHIN 30 DAYS FROM DRAW DOWN DATE. 3.THE REPAYMENT DATE WAS 07/02/2012. THE DEFENDANT HAS NOT GIVEN ANY NOTICE TO PAY THE CLAIMANT EARLY OR IN PART AND THE ACCOUNT IS STILL OUTSTANDING TO THE SUM OF £465.56 4.THE CLAIMANT IS ALSO ENTITLED TO INTEREST AT THE RATE STATED IN THE TERMS OF THE AGREEMENT. THE DEFENDANT HAS FAILED TO REPAY THE ACCOUNT. THE CLAIMANT CLAIMS: 1. THE AMOUNT £175.00 - LOAN AMOUNT. 2. LOAN CHARGES / INTEREST £290.56. 3. THE CLAIMANT TOTAL CLAIM IS £465.56. 4. THE CLAIMANT CLAIMS STATUTORY INTEREST AT 8% UP UNTIL THE DATE OF JUDGMENT OR SETTLEMENT, UNDER SECTION 69 OF THE COUNTY COURT ACT 1984. DATE: 05 JULY 2012. DEFENCE: 1. It is denied that I had an agreement with the claimant dated 4th January 2012. To the sum of 300.00, it is admitted that I had an agreement with the claimant dated 29th November 2011 to the sum of 250.00. 2. It is denied that I took any loan amount with a repayment date of 07/02/2012 3. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 4. Further, by reason of the fact that there is no document which has been signed by the Defendant containing a correct statement of the amount of the credit under the Agreement, and by reason of Section 127(3) of the Act, the Court has no power to make an enforcement order in respect of the Agreement because a term stating the amount of the credit is a prescribed term for the purposes of Sections 61(1)(a) and 127(3), prescribed by the consumer credit (Agreements) Regulations 1983, regulation 6(1) and paragraph 2 of Schedule 6. 5. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

would I be able to use irresponsible lending in a defence? Also this is the details of the claimant CLAIMANT DETAILS SAFELOANS LTD 30 CHURCH STREET CROYDON SURREY CR0 1RB CLAIMANT SOLICITOR DETAILS SLL CAPITAL UNIT 6B 23 COMMERCE WAY CROYDON SURREY CR0 4ZS TEL: 0208 2534140 are SLL Capital actually solicitors?

I'm sure someone will be along soon to give some advice, however I did notice that they can't use a spell checker on their template letter

actually they would only get it if it was in the terms of their fully comprehensive insurance. My fully comp insurance makes no mention of driving other cars, therefore I will not be covered to drive other cars. It would depend on the insurance policy and the terms and exclusions of that insurance. I once had 3rd party insurance which allowed my to drive other cars, but I had to give them the reg number first and it allowed hire and reward but without profit, the idea being that mates can chip in for fuel on a road trip.

anyone got any ideas of how I can get the minicredit one complained about, kapama are reporting it to the CRAs and the amount is grossly inflated with unlawful charges

here are their particulars of claim DATE: 05 JULY 2012. CASE PARTICULARS THE CLAIMANT PROVIDED THE DEFENDANT AN AGREED CREDIT LIMIT UNDER A RUNNING ACCOUNT AGREEMENT DATED 04 JANUARY 2012 (SHORT TERM LENDING), TO THE SUM OF 300.00. THE ACCOUNT HAS NO FIXED DURATION, ENABLING APPROVED SUMS TO BE DRAWN DOWN UP TO THE CREDIT LIMIT. EACH DRAWDOWN AMOUNT PLUS INTEREST WILL BE REPAYABLE WITHIN 30 DAYS FROM DRAW DOWN DATE. THE REPAYMENT DATE WAS 07/02/2012. THE DEFENDANT HAS NOT GIVEN ANY NOTICE TO PAY THE CLAIMANT EARLY OR IN PART AND THE ACCOUNT IS STILL OUTSTANDING TO THE SUM OF £465.56. THE CLAIMANT IS ALSO ENTITLED TO INTEREST AT THE RATE STATED IN THE TERMS OF THE AGREEMENT. THE DEFENDANT HAS FAILED TO REPAY THE ACCOUNT. THE CLAIMANT CLAIMS: 1. THE AMOUNT £175.00 - LOAN AMOUNT. 2. LOAN CHARGES / INTEREST £290.56. 3. THE CLAIMANT TOTAL CLAIM IS £465.56. 4. THE CLAIMANT CLAIMS STATUTORY INTEREST AT 8% UP UNTIL THE DATE OF JUDGMENT OR SETTLEMENT, UNDER SECTION 69 OF THE COUNTY COURT ACT 1984. I did borrow the money, however they have added charges after the default? so i dispute the amount owed, however I do not want to get a CCJ. The total on the default notice is £305.06

I have a question about this. I have now started getting letters about this debt, however if I remind them they have no judgement they could apply and unstay the case, and as I have no defence submitted they could get a default judgement. What would your opinion be, ignore the letters or submit a defence o they can't get a default judgement if I remind them they have no judgement?

do you have a template for your complaint to the ombudsman, as I need to go there with myjar and 247 moneybox

surely its a requirement under the CCA to give a default notice, and would be a breach for incorrectly reporting a default when there isn't one?

if it has not been terminated and is threatened by bailiffs

As an update, Myjar have gotten back to me, however I have escalated my complaint to the FOS as they reduced the loan to the initial amount to be repaid and would not remove the default marker despite not sending me a default notice.

surely the easiest way for a finance company to protect it's vehicles would be use use black box technology where they can remotely disable the vehicle during the term of HP, if the vehicle is disabled it is of no value. Although another interesting thing would be in the HP agreement of VT. What would the implications be if a bailiff took control of a vehicle subject to HP and the debtor immediately rang the finance company to VT the agreement. The debtor has no interest at all in the vehicle. Having said that even the debtor threatening to VT the vehicle as soon as it is taken into control would render there being no beneficial interest in the vehicle

The redress was for a cash genie loan that I had paid, albeit through carter forbes at a huge reduction, from memory I think I may have paid back less than was borrowed. however I was happy to get redress. I will get in touch, however I don't have any notice of assignment so it may now be gone. Any ideas about minicredit, Kapama reporting it, should I complain to them?

Thanks for that about cash genie, I got redress for the loan with them albeit only £20.48, just hope they don't sell on the loan they bought from quidsource CRS i in Haywards Heath I think, Credit Resource Solutions is the full name

They're not on Noddle, however CRS have been chasing me for payment of the Pounds 2 Day loan and Quidsource is being chased by cash genie Both haven't emailed me for a little while about the accounts, but I would like to get these cleared from rearing their head if they decide to do a myjar with my credit file

Thanks Quidsource Leadmount LTD t/as Quid Source Pounds 2 Day Type Short Term Loan Address Wisteria Cavendish House,369 Burnt Oak Broadway,Edgware,Middlesex,HA8 5AW,United Kingdom

Hi, I have had a success with swift sterling complaint about irresponsible lending. They have agreed to write off my loan with them. They had to buy it back from MMF first. They believe they have acted fairly, however in light of my circumstances they have agreed to remove the outstanding amount with no further liability to them as a goodwill gesture. I'm still waiting on my complaint to 247 Moneybox Minicredit has a £100 debt now at £1303 and sold to Kapama/Opus - Minicredit no longer exist so I don't know what I can do about that one. They are reporting it to CRAs though. I still need to get a complaint about to the following though Quid 24 Peachy Payday Express Ferratum Payday UK Microlend Mobile Quid Pounds 2 Day Quidsource txtloan/Myjar I will keep you updated with how it's going, but I will need some help if anyone has contact details for any of the above.

would I be able to reclaim replacement costs if they took them and sold them?

one item is a climbing frame with slide, it would cost a lot to replace, the other is a trampoline, which again would cost a lot to replace. about £700 for the climbing frame (new) and £500 for the trampoline (new)

both items I got from Freecycle, so there is no sales receipt, but I do have the emails saying I can have the items? would that be proof of ownership?

Hi. I have some property in my sister in laws garden, she has a few issues and bailiffs have been turning up. I have no garden which is why I am keeping some stuff in her garden for the moment. Is there any letter or notice I could put on the items to stop a bailiff seizing them from her garden when they belong to me? I would rather not have the agro of having to make a complaint after they have been removed, I would rather they weren't taken at all.

Congratulations. I find this interesting. Would this be a good defence in the future?

I thought so too. I'll accept the offer and close that complaint. Just working on the one to 24/7 Moneybox and I've already sent one into Swift Sterling

I have attached the stat int sheet here

I have had a final response from them regarding my complaint. They are offering £74 Any ideas whether I should accept it?