Therefore the story goes, if you don't have a lump sum forget a easy ride.

I agree with you on this Rory. You must take a stand on your ability to pay therefore dictate would be appropriate. To give Manindept a short responce to a negotiable deal. I am with many other C/C £££££££ in debt. MBNA were willing to take £2000.00 from a £10000.00 debt.What there were not willing to do is take the £2000.00 in installments. Yet what really confused and ****ed me off was to sell my debt to a DCA for the same amount 20% or less.I call that neglectful at the hightest order. What was the point? I let you work that out.

Hi All GC, With First Direct the case has been allocated to 'Bradford C/C'.However, today I received a cheque from DCA-Intrum Justitia who are acting on F/Direct regarding my debt. To my suprise £1.00 has been returned regarding a CCA I sent them dated 10/4/07. I wonder what my next cause on this,any suggestions? I spoke to a legalbeagle the other day (a Friend) about Citi situation. They can at will get a 'set-aside' even at warrant stage. I can and will hit them with a WASTING COURTS TIME rule BIG TIME. I am still waiting for a responce.

Hi to all I have to date 2 ongoing court cases (Citi & First Direct-both C/Card claims) with 8 more to come? Today Northampton County Court issued a transfer to my own back yard concerning 'First Direct'. IT IS ORDERED THAT:- 1. THE FILING OF AN ALLOCATION QUESTIONNAIRE BE DISPENSED WITH IN THIS CASE UNLESS THE DISTRICT JUDGE AT THE COURT OF TRANSFER ORDERS OTHERWISE.** **PLEASE NOTE THAT AN ALLOCATION FEE MAY BE PAYABLE IN THIS INSTANCE. PLEASE CONTACT THE COURT OF TRANSFER FOR FURTHER DETAILS. When did this happen? Can anyone shed a light on this.

Cashin Regarding RMA(DCA) I am involved with them concerning AM/Exp C/C account. To date they have not been a problem as I'am on a DMP through the CCCA. However, just received a request from them quote 'I am pleased to inform you that based on your good payment conduct; you have been selected for a settlement offer on your current outstanding balance. I wish?

Hi All Rang the courts to where I stand on this matter. I was informed as the warrant has just been issued 11/5/07 from Reading C/C, because of slow turning wheels of bureaucracy to wait at least 3 weeks then Reading will contact me concerning the status of the warrant? Whats your view on this? Do I contact BS and say it is unacceptable of your excuses and as GC says once judgement has been passed -payup-not to 1st Credit but to ME.

Hi GC I don't as yet have a fight with 1st Credit apart from sending them a CCA request. No reply on that yet although they have defaulted with the request (sent 10/4/07). All other issues where directed to Citi concerning refund of charges and as it has turned out, Citi aka Brian Smith has not defended anything. I will contact the Courts tomorrow as to where I stand. The Warrant I hope will suffice against them.

Hi all Update!!! Recieved on Sat 12/5/07. Quote: Due to an oversight, my client failed to inform you that it had settled this matter by remitting to 1st Credit the entire sum claimed thus reducing your debt to that agency. This approach to claims by debtors where the debt has been sold on has been approved by several courts and is my clients practice. Love and best wishes yours BRIAN SMITH As adviced I issued a warrant to Citi dated 10/5/07 stating defaults on all that was required by the courts. Letter sent from BS 10/5/07. Question? do I contact the court with quiry, with the warrant outstanding, or stand my ground and demand that Citi pay me as requested. The sum now stands at £202.66 with the extra fee. I need somebody's help on this. Can you please advice?

MCOL Your warrant request has been accepted. The warrant has now been sent to the bailiff at the appropriate court for action (Reading). Received today.

Thanks GC. Will do as adviced

Hi to all, Issued a Judgement 2/5/2007 against Citi for none payment. Is my next step a 'Warrant'? Please advice.

Thanks. I'll taken note.

Does that include me too? Gizmo.

Thanks for your reply LTWFB. Is there a template letter to write to the FAS and LTS bodies? Update concerning Citicards. I have placed a 'Notice of Judgment Entered' against Citifinancial dated 2/5/07. As written here I received a cheque for the whole amount £147.66 but made out to 1st Credit.No defence had been submitted.

Hi to all Received today a letter from 1st Credit. Quote "we have recently obtained Office Copy Entries from Land Registry and note that you jointly own the freehold in the above property. As a result with instructions to secure a CCJ against you and enforce this by way of a Final Charging Order registered against your property. Should we succeed in obtaining a FCO, we will be applying to the court for an 'Order For Sale', of your property". Citicards/1st Credit have still not complied to the CCA sent 10/04/07. Where in the site is a none compliances letter so I can reply to they actions. Can someone please help.

Hi Gizmo You asked what I am trying to acheive with the CCA request. I wish to estabish a true copy of the agreement and whether as (1st Credit DCA) put it to me "we take no notice of such request". 1) Can their sell the debt without a copy 2) Try to remove the default notice Am I right or not? I would like some input on this as it seems you have valuable experience on this matter.

Hi, Your right about this site being monited by Citi. Today received a phone request by 1st Credit with all the frills about what there going to do! However, I still have not heard whether a defence has been recorded through MCOL, Monday is the deadline set by the courts? It seems the cheque sent by Citicards through me is to say that their have settled but not informed the courts or me. I beleive there want me to send the cheque to 1st Credit as it is already made out to them. The £147.66 is for (late payment charges plus £30.00 court costs) In my letter to CitiCards I expressed that payment should be made to me. Can anybody help me on what to do next.

Who are the ICO and where do I contact them. What would I say to them regarding this. This letter was address to me including the cheque but (address to 1st Credit with name on the). Why pay them when I requested that payments to be sent to me.

Thanks for the reply. But where do I stand on this. Has anyone had this done on them Enron?

Hi to all with Citicards issues. First post on this site. I need a little help from you please. History Sept 06 when on a DMP with the CCCA (with 8 other creditors) Mar 07 assigned my contract to 1st Credit (DCA) 11th Arpil C/Court issued to Citicards-deemed to be served on the 16th. Defendant has until the 30th to reply for charges against account. 10th April sent a CCA to 1st Credit. REPLIES 1st Credit on the CCA request dated 12th April say it will take a month to seek clients agreements. They had until the 23/04 to comply. Deadline has now passed (12days) and counting. To date no reply to defend the C/Court Notice of Issue. Today received a letter from Mark Clibbens; Quote "Please find enclosed a cheque for £147.66 towards the above customer's account. If there is no longer a debt for this customer, can I ask that you please send the cheque back to me as soon as possible". The cheque is in 1st Credit name. Question. What tactic is CitiCards playing at?

How? Redsue

Hi Phantom Thanks. Click onto the above to confirm whether its just an application number. Did receive today the second part to the agreement. All the C/C agreement regulations plus statement of 28/03/2007. See what you can make of it.

My first post. MBNA. Sent and asks for the CCA. They replied within the 12 day limit but, only sent me the 'application agreement'. As I understand, I need to address this with a 'now failed to comply' notice. Is this correct? Sorry to jump in but I have been following it seems hundreds of threads regarding CCA's etc... As Fred/B, I have a DMP with the CCCA. Until recently their (sold) my debt to (Debt clear recoveries&investigations ltd) Whom I CCA'd but received a copy back from MBNA. Do I now contact the CCCS asking them to suspend payments. Please let me know of my next course of action.

Thanks dollies. You have been most appreciative.

MCOL meaning? Was no interest initially