Hello KraigO and welcome. What a very sad story but your parents are/were lucky in having a son to be proud of, I don't know much about charging orders but am attaching a link below which I hope will be of assistance. You can also type in charging orders in the search part of the forum for more info, I am sure more members will also be along to help shortly:- http://www.consumeractiongroup.co.uk/forum/legal-issues/212396-trying-set-aside-judgement.html

Well done DVD - loved your account of the hearing:)

Ok, couple of links following which should be of help, Red and Lowells are the same:- http://www.consumeractiongroup.co.uk/forum/telecoms-mobile-fixed-internet/248528-vodafone-lowell-complaint-resolved.html woops sorry, only one, but if you type Lowells in the search forum, you should be able to find more information:)

Poor you, no wonder you are struggling. Well following on is a link to one of your questions about long standing debts. You just have to deal with things one by one so CCA all the cc accounts. Probably the first thing that will happen is that they'll start ringing you up both at home and as was the case when I had my own business at work. You then send out the harassment letters and never speak to them on the telephone. You will not get bailiffs arriving without any kind of court action and without the necessary paperwork. Same applies to the personal loans. Once you get these sorted, you won't feel so much pressure even tho like most of us here you could be responsible for the demise of a rain forest with the amount of paperwork. Don't consider F/F until you see whether they have the correct paperwork and sort out PPI issues:- http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/146530-have-you-received-threatening.html

So pleased to hear of your win WW, I know how nervous you were and thought of you at 2.30, very well done making it clear how long you'd had to wait and they still didn't get it right, pity about the costs but you can buy a nice bottle of wine or three with that:)

Some more homework that may be useful:- http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/200901-anatomy-default-notice.html

All fingers and toes crossed for Thursday Valdez, the drinks will be on you!

Default doesn't have to be sent recorded, its 14 days plus 2 for postage so looks like its ok on that point but they have only asked for the arrears? so if they have terminated, did you get a letter stating that? even if they could come up with an ok agreement, the arrears would be all they were entitled to and looks like it has been unlawfully rescinded.

Looking Good:)

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/574-letter-when-account-has-been-passed-on-whilst-agreement-request-is-in-dispute Ok here's the letter to send to the muppets (oh no that's me!)lol, right have a look around for the default notice, how was the assignment sent - recorded delivery, I'll bet not, the default notice has to be worded in exact terms and has to give you a specific time to remedy, think its 14 + 2 days (allowing for postage) and be in the original creditor's name.

Here's a link (post 69) last page which my local TS sent me and I have found very helpful. I'll have a look around for a template letter to send to the lovely Crapbot and meanwhile type Cabot into the search engine to find out what our heroes are like:- http://www.consumeractiongroup.co.uk/forum/legal-issues/196114-miss-muppet-mbna-costs-4.html

Your experience shows how important it is to have a paper trail. Never speak to them on the 'phone and if they keep 'phoning you send them the harassment letter. Did you have notices of assignment and did you get a default notice?

Yes, they can use statements but it won't do them any good without an agreement. How long is it since you paid anything on it and have you SAR'd the original creditor yet, if not, do this enclosing a £10 postal order and not signing the letter.

Firstly George how old is the Cap One agreement? Think it would be useful if the folks on here gave you an opinion on the validity of the agreement so you could use one of the free photo imaging sites to post it up so peeps can look at it. So as far as you know you have never had a notice of assignment? Any default notice? You could also SAR Capone enclosing £10 and not signing the letter, this could turn up some interesting information. They will probably try to put you off by asking for various forms of ID, never send originals!

If only t'were true!

Can't wait for the next thrilling instalment starring Alice on Wednesday, Good luck VJ

Hang on Valdes, been out for the day, the CCA 1974 is in the statutes library, if I don't nod off I'll try and find it!! Hopefully this is what you need but will have more detailed look 2morrow:- 6. Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983.pdf You might need to look at the 2004 amendment as well Valdez, and also its section 88 of the CCA that refers to default notices, got the latter from VJ's brilliant thread on his battle with HFO - going to have lie down in darkened room now:D

Further study:- http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/200901-anatomy-default-notice.html

You don't strictly need the envelope, its 14 days and as far as the DN from Mercers is concerned, it should be in the original creditor's name.

OK, who ran out of matches when they were lighting the fire? Seriously WW go back to your post 140, have a look at my link on the CCA sections including default notices, assignment etc and take another look at the threads on legal successes.

Almeriax, you say you have done research on this, have you had a look at the CAG legal successes forum?

j semple is exactly right, send the I am bemused letter to any more bottom feeders that appear:)

Well if its over 6 years then this could help:- Sticky: Have you received threatening demands for debts older than 6 years?(1 Viewing) [/url] ( 1 2 3 4 5 ... Last Page) BankFodder

Well done Carlos, you have taken the first and most difficult step coming on here to seek help. 42Man on the ball as always:)

How long ago did she receive the SD Carlos?