Don't worry Honey, you have some great people to help you out now. The fact that your DN is invalid is a huge help. Many people have said a dodgy DN is much more use than a dodgy CCA, from what I have learned they are correct. Pumpytums

Hi Honey, I have just read your Egg thread, don't worry about Ar$ and Mr M. I have had similar letters and texts, they keep saying they will take me to Court file claims etc blah blah blah. And oddly never do, I have one of those approved limit agreements too. To put it bluntly AR$ and Mr M are toothless, on the letters check the die number on the post mark (bet its PB52414 with another number I will leave off) the letters from Ar$ and Mr M come from the same office. I had exactly the same thing I basically told DLC, to go do one they threatened me with a doorstep visit. Guess what no one ever turned up and Ar$ crawled from under the next rock. Oddly this all happened after I mentioned I wanted my charges back exacly the same as you. I hope this helps, Don't worry. Pumpytums

Hi everyone, quick updated so far nothing has been received, one of the dates for the CPR's was up early last week and the other is up very soon. Do I need to inform Northampton court to this effect once the time is up? If so what do I need to say? I have received no acknowledgement from the claimant at all, my documents to them are confirmed received. I would very much like to get this one put to bed, and eat some mince-pies in peace. Any help is greatly appreciated as always. Thanks Pumpytums

Hi MandM, was it a notice of assignment from MBN@ or useless one from Exspurto? Pumpytums

I'm not sure if Mr M has been struck off he is still on the Law society site. A company that was at his address may have got wound up though. Pumpytums

Hi furryboo, are you positive fredricksons own the debt? Have you had a notice of assignment from egg saying fred are the new owner? CCA directly will only cost you a pound or go for the full SAR £10 you will get everything then. The templates are available on this site. The Consumer Forums - Debt collectors Number 8 template is your CCA send it registered don't sign send a £1 postal order I sent mine to:- The Recon Ops & Clearance (DSIR) Team Egg plc Point North Waterfront West Brierley Hill West Midlands DY5 1LU The SAR is No 11 template same address as above send in a separate letter registered no signature send a £10 postal order. I hope this helps Pumpytums

I may be wrong (someone correct me if I am), but I believe by issuing a invalid DN and then at some point terminating the account, you are only liable for the arrears shown on the DN. They will probably sell your account very soon, and have probably done so while your DN was still active. Can you access (from home) for account online still? Pumpytums

Crap1, have so far sent nothing to my CCA, SAR & LBA. The only thing they sent was 3 letters saying my signature didnt match what they had on record and could I send a copy of passport or drivers licence. The only other thing they did was get there DCA to threaten me with a charging order which was nice. They never asked for a signature. Bless em. Pumpytums

The total number of days will be 4 (2nd class) + 2(weekend if applicable ) + 14. So either 18 or 20 add that on to the date on your default. I would imagine either way its wrong. Pumpytums

1st class post is deemed to be 2 working days after the date of posting (date on letter) So if the date was the Monday (on letter) it would be deemed received/served on the Wednesday. 2nd class post is deemed to be 4 working days after the date of posting (date on letter) So if the date was the Monday (on letter) it would be deemed received/served on the Friday. Working days do not include weekends/bank holidays. The 14 day default does this is classed as calender days The S means second class, thanks to Vint for that info:-) You default notice was sent 2nd class hence 4 working days to service. They way well send another DN at a latter date for the full amount, they did to me and lots of other people. Pumpytums

Signed at home.Thanks again This may come in very useful. On another note the creditor has put the same date as my alleged signature which was a Saturday. Its also impossible, as I would have remembered them coming round to my home. Does this mean anything? Pumpytums

Hi, I have a CC agreement, from a CCA request no where on the agreement does it mention cancelling the agreement. The only text I can see is "You can settle this agreement at any time by giving notice in writing and paying off the amout you owe under the agreement". No cooling off period is mentioned etc. This text is not clearly shown. http://i227.photobucket.com/albums/dd74/pumpytums/ge.jpg What does this mean? Pumpytums

Hi Meebroke, is your DN for the full amount? The DN is invalid, count the working days 2 for 1st 4 for 2nd. Is there a S top right? If so post no more information that can trace back to your account ie dates and amounts. Pumpytums

Nice one Hungry, the devil is indeed in the detail. If an account is in dispute, and the creditor takes legal action. What happens to said legal action? Pumpytums

I'm fine thanks mate, thanks for your help are you holding up ok? Cheers Pumpytums

OK added some extra info to my embarrassed defence (in red) does that sound OK? Pumpytums

Thanks Guys, I was thinking something like this :- (from creditcardmug reply to Mr happy Thanks) In the xxxxxxxx County Court Claim number Between xxxxxxxxxxx- Claimant and xxxxxxxxxxxx- Defendant Defence 1. I xxxxxxxxx of xxxxxxxxxxxxx am the defendant in this action and make the following statement as my defence to the claim made by xxxxxxxxxxxx 2. The Defendant is embarrassed in pleading to the Particulars of Claim as it stands at present, inter alia: - 3. The claimants' particulars of claims disclose no legal cause of action and they are embarrassing to the defendant as the claimant's statement of case is insufficiently particularised and does not comply or even attempt to comply with CPR part 16. In this regard I wish to draw the courts attention to the following matters; a) The Particulars of Claim are vague and insufficient and do not disclose an adequate statement of facts relating to or proceeding the alleged cause of action. No particulars are offered in relation to the nature of the written agreement referred to, the method the claimant calculated any outstanding sums due,or any other matters necessary to substantiate the claimant's claim. b) A copy of the purported written agreement that the claimant cites in the Particulars of Claim, and which appears to form the basis upon which these proceedings have been brought, has not been served attached to the claim form. c) A copy of any evidence of both the scope and nature of any default, and proof of any amount outstanding on the alleged accounts, has not been served attached to the claim form. d) A copy of any termination notice, on the alleged account, has not been served attached to the claim form. e) A copy of any notice of assignment, on the alleged account and proof of original service of said assignment to the defendant, has not been served attached to the claim form. 4. Consequently, I deny all allegations on the particulars of claim and put the claimant to strict proof thereof 5. I respectfully request the courts permission to submit an amended defence should the claimant file a fully particularised Particulars of Claim Statement of Truth I xxxxxxxxxxx, believe the above statement to be true and factual Signed ..................... Date Can this be filed on-line? Also my defence has to be in by date of claim +5 +28 days? I believe it will come after Christmas. My CPR's are now received, If they partially respond will I have to amend my defence? or is all or nothing? Once my defence is filed within the 28 days (Acknowledgement of claim ) will the claimant then have a set amount of time to change their claim? Should I mention about the termination letter and letter of assignment too? Thanks for all your help. Pumpytums

Hi Scrapper, The letters your friend has received from old Arc/trevor are a complete threatograms. As someone said why haven't they issued a claim they don't take that long to do. Also have a look at the die number on the postmark they are exactly the same. So basically Mr Munn is either using Arc's franking machine or visa versa. I'm currently in touch with the SRA I'm drafting a letter reporting Mr Munns exploits if Arc ring again tell your friend that he is reporting their solicitor to the SRA. (look at my thread legality of threatograms click my name and look for all threads). Firstly Mr Munn doesn't appear to be trained in Civil Litigation and secondly his letter should have his SRA number it doesn't, as he is a sole practitioner (again look at my thread). Tell him to keep the letters & look up Mr Munn on the law society site. The Law Society - Find a solicitor and write directly to MR Munn at his registered address, explaining the account is in dispute and why is he chasing? I guarantee Mr Munn and old Arc will scuttle off. Unfortunately Cabot will be the next port of call on the DCA sewer line, I believe they are more annoying. I hope this helps if its any consolation I believe the letters cost about 75p + postage to produce from the ar%e threat monkey workshop. My second one was even sent 2nd class to make it even more threatening (more time elapsed). Pumpytums

Hi Hungry, I'm sorry I don't understand the last part "Have you got on ewritten?"?? Thanks Pumpytums

Hi everyone, the letter was safely delivered and I have proof of delivery. On a side not I have just received a letter from the original owner ref my SAR. I requested the information at the start of October, strangely I had to send a letter before action to get anything moving. I had two alleged accounts with the company. In the covering letter they have stated that they only need to send 6 years worth of statements I believe this is incorrect shouldn't it be all information held? Also they have only sent one of the two accounts, the data for the one I actually need is still missing. They made no reference to this account in the letter. Do company's play silly buggers like this? I have now found the full paper trail from the new buyer, looks like they were only ever interested in going for a charging order. I asked for my default prior to claim, also missing T&C I even asked them to forward details so I could make token payments nothing was ever received or simply ignored in followup letters. The clock is now ticking on the CPR 31.14, documents need to be with me by the end of the week. If I receive no documents in relation to the CPR 31.14 and then nothing to the CPR18 do I file an embarrassed defence? Also can the new owner add charges to the alleged defaulted amount prior to the claim? Thanks Pumpytums

Thanks hungry, oddly I have their post box address, the post must be redirected from the claim address to that as well interesting. Pumpytums

Indeed they are a piece of shhh I mean work. Pumpytums

Like bake a cake, or watch a long film nice one PGH7447. Pumpytums

Thanks 42man. Thanks again for all your help. I shall ignore it and await the postman with baited breath. Cheers Pumpytums

Hi, just a quick update my documents have gone and checking the online tracking (Special delivery so no mistakes) the following message is displayed "xxxxxxxhas reached its PO Box and is awaiting collection/delivery.". I'm just a bit worried that they will drag their feet collecting it and I will have no time for a defence. Especially with Christmas looming into view, they must time these things on purpose. If I'm unable to file a defence due to no documents, is that a defence in its self. I don't want these parasites to win on a technicality. Thanks Pumpytums