What a bummer!! Thought we might have had them then!! i have told these before i wont speak to them over the phone and nothing else seems to materialise, so i am guessing that it is an old debt from someone else prior to us. I shall leave it for now and see what happens. regards Dollysplodge x

Many thanks for your swift reply Dave. It is most comforting to know that they are just mouth pieces on the end of a phone!! I am in doubt now after some digging that we even owe such monies, and will be logging anymore calls and sending off a complaint i think. We seem to get these every so often and remember that we had this last year when we moved in here. Once again many thanks Dollysplodge x

Hi all, Reading through the threads and post about Moorcroft, am i right in thinking that they have no collecting licence???!!! The reason i ask is that i have had a number of calls to my home number the first one asked for a women who lived here we think a few years back, and the others were for me and my hubby. They demanded we paid £189 for some electricity we supposedly used at our home. This has been in dispute with powergen and they have yet to come up with the actual bill. Anyways, they spoke to my husband and demanded he pay it and after he said he wouldnt the man said he would send someon round the house and seize our goods to the value of!! What is the law on this and does this firm have the authority to do this? many thanks dollysplodge.

Thanks Marcie63, it is a bit strange not having this cpr18 like everyone else, but i think i will put it down to my paperwork being complete.....a compliment perhaps!! But i dont think Cobblers will like that lol

Hi all just a quick update and question. I have filed the AQ at the court and i was reading on other posts that are at a similar stage to me, and i notice that some people have had a cpr18 from Cobblers and/or an offer. I have had nothing other than the defence filed by Cobblers and then the AQ from the court, has anyone else had this, just seems i have been overlooked or have done something wrong. If i have done something wrong then could i redo the whole process or is that it??

Hi thanks for that. I thought it might be something like that, but i wasn't sure.

Hi just another quick question, my AQ says it is a n150 and i notice some others get a different one. My claim isn't over the £5000 so why is mine any different?

Hi all just a quick update have recieved the old AQ today so will be filling it in asap. Just one question though if anyone knows, at the begining when i first took my claim to court i had to fill in the N1 for as i was exempt from paying the cost, now i have the AQ do i fill in another N1 and claim the £100 needed to return the AQ to court? Anyone? p/s forgot to mention have changed the title, thought it more appropriate!!

I agree with egough.....go for it, but just keep one lot of winnings to one side for a while, then after a few months or so then you can spend spend spend!!! well done you!!!

thanks so very much for the quick responses, it is muchly appreciated!!! It is daunting when you do not have the law expertise yourself because all these big words etc they use are just baffling!! Its just great to have someone to say "its ok its normal" and to know other people are at the same stage. So thank you for your support. Am keeping head held high!!! lol:)

This morning i have recieved cobbetts defence please would someone just let me know if this is standard or have i missed something out? many thanks. 1. This defence is filed and seved withour predjudice to the Defendants case that the particulars of claim do not siclose reasonable grounds for bringing a claim against the claimantto recover the bank charges and interest refered to in the particulars of claim and any other sums. In the event that the claim is not prperlay particularised then the defendant will apply to strike out the claim and/or for summary jusdgement in respect of the same. 2. On allocation the defendant invites the court to direct that there be a case management conference in order for the court to comsider the making appropriate orders to give tha claiment the opportunity to properly particularise the claim. 3. No admissions are made as to what charges have been debited to the claimants bank account. 4. In relation to the allegation that the contractual provisions pursuant to which the charges have been applied are unenforceable by virtue of the unfair contract terms act 1977 ("UCTAv 1977") and/or the unfair contract terms in consumer regulations 1999 (the regulations) and/or the common law, claimant is required to identify: 4.1 a) the sections of the unfair contract terms act 1977 (UCTA 1977) b) the regualtions of the unfair contract terms in consumer regualtions 1999 (the regualtions) and C) the princinples of common lae relied upon by the claimant in alleging that the contractual provisions referred to are unenforceable; and 4.2 the contractual provisions that the claimant alledges are invalid by reference to UTCA 1977 and/or the regualtions. Until such time as these sections/regulations/provisions ar identified the defendant cannot plead t the allegation referred to in paragraph 4 above. The defendant therefore reserves its right to plead further to the allegation onece and if the claimant identifies the relevent contractual information. 5. save as hereinbefore appears the defendant joins issue with the claimant on the claim and denies that it is liable to the claimant aws alleged or at all. so have i missed something out or is this just a scare tatic? Please help am most upset and not sure as to what i have done wrong. I have copied the particluars of claim as your instructions, attached a schedule of charges and copies of all bank statements. not sure what to do next.

put the wrong charge down or added a charge on the schedule you send for the court paperwork???? Just wondered what exactly would happen if anyone had done and does it really matter? would appreciate any comments. thanks

have you sent any schedule at all to natwest? Because you should have sone this before the court proceedure, with copies of bank statements?

No they seem to like them alot!!

i am glad its not just me!! I must admit i did think it was 28 days so i dont know where the 14 days has come from, maybe its because some of the others have filed theirs on line? As for your schedule of charges i gave mine and copies of all bank statements to the court when i first started prceedings and the clerk told me they would send shatwest copies with all the other court paperwork!! Hope this helps.

thanks for that i definately needed it!! I think you do feel like that when it all becomes legal as it were, your finally going to get the court to look at it and it all feels a bit out of your depth if you know what i mean. But thank you for your words of support. xx

Hi having filled in all the forms to get my claim to court, deemed to be served on 2nd Jan, them recieved a letter from court saying that acknowledge of service has been filed on 12th Jan and that they have 28 days from the date of service to file a defence. Good news but do i just wait now? Probably a thick question but i am getting jumpy now and not sure whether to pull out incase i have done something wrong. i have followed all your instructions, but am worried incase i have put a charge i shouldnt have or included one i havent before. Has anyone else come up against these nego feelings? Please give me some support am feeling panicy now!! lol.