erm, Horsemad, think we might need a microscope, try using one of the fee photoimaging sites such as photobucket:)

Jacob, you do not need the services of a lawyer, you are perfectly capable of dealing with this yourself. You have to approach this in a logical manner that these monkeys understand, step by step with a paper trail. If it comes to court action, so be it, but let them pay for it and they will have to pay more than you allegedly owe them plus if judgement goes against them which, if you keep a clear head it almost certainly will, they will have to pay the costs of the hearing, as I have often heard on CAG, "revenge is a dish best served cold" - here's the link and don't forget, don't sign and recorded delivery:- http://www.consumerforums.com/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

The advice given usually on CAG is never to ignore an SD, I am attaching a link to give you a perspective on what to do. With regard to defaults have a look at Pinky69's thread on invalid defaults, also another: Anatomy of a default notice:- http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/258608-capquest-have-issued-statutory.html

Google them Kupcake, you might get some interesting reviews.

Excellent photos, problems very clearly illustrated.

Hi Zoena, Why not do a Subject Access Request. This costs £10 which you should pay by postal order and send recorded delivery. This will give some useful inside information on your account such as when this "protection policy" was added, then have a look at the PPI forum, plenty of advice there on claiming back this unwanted insurance with interest!

Here you go:- http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter Don't sign the letter, print your name or use the digital signature on here, capquest are one of the worst for harassment, if they do ring, tell them that you are making notes of the number of calls they are making and then put the phone down and send them the harassment letter from the debt collectors library. They have 12 + 2 days to comply with your request for a true signed copy of your agreement after which point the account will be dispute.

Hi Ruthhill, the following link should help with what you asked me by pm:) http://www.consumeractiongroup.co.uk/forum/legal-issues/241827-legal-action-how-start.html

Sounds like you did very well Ramjet, I was pleased stone-broke came up with the link "What if the Judge asks" as I think we can get too hung up on non-admittance, I was a bit nervous in my case with MBNA because the Judge said that there must have been some sort of contract because I had reclaimed penalty charges and continued to pay but I said that at that time I did not realise my rights under the Consumer Credit Act and the DJ came down on my side. I bet the lights will be burning late whilst they try to come up with the default notices.

:D Pumpeytums. Wmr, Optimistic legless were very confident in my case too until they lost, had to pay hearing costs and then discontinued when DJ ordered them to supply 2nd witness statement. With any luck when they get your letter they'll run back to the forest and throw nuts at each other.

Ta rob:)

Hi Munksy, this is a difficult one isen't it, blundering about in the dark as I am with regard to your problems here I am wondering whether you could go for a strike out as in Post 76 of the following link? http://www.consumeractiongroup.co.uk/forum/legal-issues/262485-received-count-court-claim-4.html

My OH is in a similar situ to Rob no default from Sainsburys, however default is on CRA, he has two CC's they are handling, got to do some more research on this but I remember being surprised because a default appeared recently on the Sainsburys one with the CRA's whereas I'm sure before it said Cabot, now saying Sainsbury. Unlike Rob's they have demanded the full amount so did the unlawful repudiation of agreement letter which has produced dire threats, got to get busy with complaints to Trading Standards and OFT as they are under scrutiny at the moment.

Well, basically, you have to bite the bullet and go to the Police don't you, put all the evidence before them and let them deal with things.

Did you ever do a Subject Access Request? Or a CPR 31.14? This could turn up some interesting information on their shinanigans! It looks like you did pretty well already to get the set aside, but this if you haven't already done so could turn up some extra evidence for you to use. Yes I would have thought you should get the costs of the previous hearing, I think Gary H. did a good schedule of costs, so you could get that ready and costs for this one as well, no wonder they have popped up again if they didn't have to pay anything last time. No doubt someone more experienced will come up with some more help soon.

Wiggle, stick to your guns, don't be fobbed off by them. Your one difficulty is the finance, if it had been a cash sale I would have said cancel and take them to court but basically take photos of all the damage.

Keep it as evidence that you sent it in the first place:)

Perfect, now send off both recorded delivery.

Here's another link for a thread I found very useful when I went to court, also have a look at Robcag and Mr. Happy's threads in the legal successes forum:- http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/145452-stayingcalm-abbey-no-cca.html

James, all template letters are in the debt collectors library but if the 12 + 2 days are up send them the attached for the CCA:- http://www.consumerforums.com/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

Hi, Ramjet please try not to panic about this or you will be going around in circles. As you have been advised this is a self help forum so basically you do have to do a bit of leg work and look round the site for the answers. Yes I have been to a summary judgement and the other side lost, had to pay my costs and then discontinued any further action. I am attaching a link which I used myself which altho a different company is pretty relevant. You will see as you read thro the thread that you do have to mug up on a lot of information and include this on your witness statement and have copies to take to court. I think it was post 63 on the link which has a list of case law which is also applicable to you. You will sometimes feel that you are destroying a rain forest by these efforts but if you get a result its worth it:- http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/145452-stayingcalm-abbey-no-cca-4.html

Wow I'm impressed:D

Send our friends the statute barred letter (I think it'll be in the first link I posted) as well ,recorded delivery and as with the CCA, don't sign, print your name.

Jacob, I hope you weren't up early letting this get you down. If those beep beeps at Arrow start ringing you up, don't speak to them, say in writing only and put the phone down, then send them the harassment letter(debt collectors library) - this is war and you are going to win:)

Well, you can but try.