Hi sarajonsey, As suggested, I moved your thread to the PPI forum Tx dx, Lex

Hi JGJ, Do you have to register the car in your name? It is possible to insure the car in your name without being the registered owner. There's a bit more info here on the .gov website :- Change of name and address on your registration certificate : Directgov - Motoring It might be worth giving the DVLA a ring on 0300 790 6802 but I wouldn't hold my breath !! Lex

Hi VG, How did you pay for the SAR and can you trace the payment ? Lex

That explains that, then !!

It does sort of stick in your mind doesn't it !! xxx

First thing to do is phone the court and see if they have received anything. It's not unusual for the other party to 'forget' to supply you with the required paperwork. If the court hasn't received anything either, write to them, explain the situation and enclose a copy of any court order that was handed down. When I asked to speak for my employer, I heard nothing at tall back from the court. This was a Judge well known down here for being particular about paperwork. I just turned up on the day and the all the Judge said was 'Ah, your Mr Lex and your here to represent your Boss' !! Hope this helps, Lex

Similar story here James:- http://www.consumeractiongroup.co.uk/forum/general/256741-refund-distance-healer.html I wonder if it's the same person ?? The advice on that thread holds good. Lex (Tx loopinloule)

A very valid point by WA Newman, I am sure other caggers can benefit from this reseach. Have a 'ding' for your trouble Lex

OK Goldengirl, So the agreement is ok and they have served a default notice. You can still reclaim any charges, so you do need to send the SAR. You need to fill in an income/expendture sheet to show the judge what you can afford. A lot of people can only do £1 a month! You will find a spreadsheet here :- http://www.consumerforums.com/attachments/117_Hardship%20Spreadsheet(2).xls Don't forget to include everything you need to live. Have a read of Bookworms guide to getting out of debt, there's a good guide to filling it out there. Lex

There are plenty of copies of the Allan Carr book on ebay for just a few pounds. If you are thinking of stopping smoking, it's well worth the read !! Lex !!

Hi vjohn, I have removed some off topic posts from you thread. If any of the posters wish to discuss the matter further I am happy to take PMs, or they can report the posts for admin to look at. Many thanks, Lex

OK, so you didn't get a default notice on the loan ?? Apart from the SAR you are sending, I think we also need to have a look at the Consumer Credit Agreement. This will only cost you £1. There's a letter in the library to use here :- http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter Get your SAR and CCA letters off to them and have a good read though the Debt forums to see what the next step is likely to be. Lex

OK, great, so it's an N1 and not a judgment then, thats a good start. The SAR still applies, so get that sent off. By what date do you have to acknowledge the claim ?? You will be defending the claim, when we know more I'll ask someone to help with your defence. Has your O/H still been paying anything off this account?? Or when did you last hear from them (Black horse) Sorry, it's a lot of questions, but the more we know, the better we can help !! Lex

Hi Goldengirl. What have you received from from the court. Is it a form N1 ? or is it a Judgement?, can you scan it and post it here, removing any personal details. One thing you can do now is to send a SAR to black horse and find out what this balance is made up of. You can find a template letter here, you need to change parts to suit your own case :- http://www.consumerforums.com/resources/templates-library/48-bank-templates/110--data-protection-act-1998-subject-access-request- You need to send a £10 postal order with this. Lex

Hi Goldengirl, I've moved your thread to the legal section of the site, you'll get more help here

For the site firefighter dx, thats just P'd on his chips !!

Thats cool Wally !!

Hi CD, If you need it, here's a letter I used to speak on behalf of my employer. I've changed it a bit for general use. Mr ******* Cag Place, Cag Town CA90 44E Tel. ***** ****** Date From. Mr ********** In *********** Combined Courts. Claim No *********** For the consideration of District Judge ******* On the * Date of hearing* Dear Judge *******, In the above case in which I am the Claimant/Defendant. I would like you to consider allowing my Wife, Mrs **********, to speak on my behalf. Mrs ********* has the day to day knowledge and experience to present the details of the claim and is fully conversant with everything that has taken place. I trust this will meet with your approval. Mr *********.

Top tip Tex

Rebel is correct, get on to T/S. Try and find out is she a member of The NHS Directory of Complementary & Alternative Practitioners andThe UK. Reiki Federation. Complain to them also. N.H.S Directory Administration Department, NHS Trusts Association, PO Box 45734 London, SW16 5WJ Tel: 020 8835 7009. or e-mail us [email protected] The UK Reiki Federation Address (Admin Office) UK Reiki Federation, PO Box 71, Andover, SP11 9WQ Telephone: 01264 791441

The only honest man ever to enter Parliament was a certain Guy Fawkes on the 5th November 1605. It dosn't matter who you vote for, the goverment always gets in !!

Hi Hasana, and a BIG Welcome to the Consumer Action Group I think you need to be in the Bailiffs forum. I'll move you there and you will receive more help Lex

Kayloox, If you keep removing your own posts, it makes it imposable for the site team to look into your complaints. You say you work for BCW ?? Have you requested permission from the site admin to post on their behalf ?? Please read the site rules. Lex

Hi madcap, Can I take it this was an arrangement you came to with Lloyds to pay off an account you had fallen behind with?? What was the £3470 for, was it a bankloan or Creditcard ?? What was the default issued for. Lex

A quick heads up. With thanks to trinatonga, who has just posted this list on another thread. applications@modelsdirect .com information@modelsdirect. com [email protected] [email protected] I also have a non 0871 number for them too 01603-787188 this is not their fax number, by calling this number you can simply enter the extension of the person you would like to talk to, in my case it would have been ext 227 (Lynsey Model Coordinator) Thanks trina Lex