And I can agree with that - usual thing, the lowest common denominator always lowers the bar for others.

Thing is MrShed, is many people do not see it that way. I have suffered a lot of abuse and discrimination, for being a carer and constantly told, "you should be working". People forget the "intentionally unemployed" bit and it isn't always fairly obvious. I am not flaming you or out to have an arguement with you, but seeing things from a slightly off centre perspective, as I do, I felt it should be pointed out because too many people make the wrong assumption about those on benefits. I agree that in an ideal world people would all be working, and yes points to this bloke for having a job. It's just hard sometimes, y'know. All my debts are my student debts, thousands of pounds worth, which I had every intention to pay back after graduating in a pretty good profession. That went down the pan when mum had her stroke. Now, getting close to 40, I have one incorrect CCJ, another one no doubt after the SD is set aside, no chance of buying a home and least of all, a credit reference no employer would want in their fold. Some of us don't actually want to be tarred alongside the "milking the state" attitude because we never had any intention of being here in the first place. Just saying please think.

I'm sorry, I don't like that attitude. I am a full time carer for my mother who has Alzheimer's. I save the state thousands every year. I'm on benefits and I totally object to this 'holier than thou' attitude of all people on benefits are milking the state. I can see both sides to this arguement, but, Mr Shed, you lost it with me, there, pal! You talk of tarring all DCA's with the same brush, and you are doing the same about people on benefits. I'm not here for an arguement, as I don't know either of you, but think a little before you post. Not everyone on benefits is fair game for those in dead end jobs. Play nice, people.

Thanks nicklea - and yes it is Carers Allowance!

Just spoke again to the court concerned and they told me I should put in the affidavit that I have no assets, what does everyone think?

Many thanks nicklea.

Well Done BB for completing the first year!

subscribing

Does an SD need an official court stamp then?

Just tried speaking to my local court and they don't do bankruptcy and the court I've contacted is the nearest one! I one I originally contacted wouldn't really talk to me about it when I asked for advice. I've been told to speak to the court as they will help..........Not this one!

So, how do I word this for the set aside, as I am extremely confused. I also care full time for mum who is suffering severe Alzheimer's and physical disabilities. My time is so short to deal with these things. Maybe there is someone on CAG who can advise/help me? I've not got the money, I own nothing so I don't know how to proceed. Many thanks

Thank you very much for that. Yes I have SAR the OC. I'll PM you the thread with the CA and the reverse Terms of Use - surely even if they are on the other side, they are not in the single document, because it's headed as something else?

subscribing and well done!

NO I haven't worked for 6 years, do not own where we live, no car, nothing they could have off of me. I'm a full time carer. Yes they have filled that bit in about which court to go to. I phoned that court which isn't that far from me but not local, and their set aside forms are for their court only. Should I get an affidavit from my court to fill in and send back, stating that is the correct court, not the one CQ chose? I'm quite worried about the CA - it's the same one I've banged on about for a long time. The page I signed only has the APR on it, the sentance stating the limit and repayment terms are on another piece of paper called Terms of Use. They origianlly sent me the CA with the Terms of Use on the back, but they have sent me two copies of the CA now with no Terms of Use on the reverse. I've been told it's a mailer application.

OK I've contacted the court and got the set aside forms, which has no provision to change the court. Sent a complaint letter to CrapQuest who sent me another copy of the CA which several people have said is unenforcable. CrapQuest think it's good to go. But surely, if they bankrupt me, they won't get any money from me?

Hiya SG glad you are still fighting. I've also have a couple of DCA threatening which I need toget CCA requests off to. I also was very down having lost a friend to suicide so have been absent. But I'm not letting the buggas get me down! Go Girl!

Just received a Statutary Demand from CapQuest which has £703 of interest included! Nice! It's also written to a name which isn't mine. For example if my name was Collection they have written to Colction and the SD is in that name, i.e. they have missed 2 letters out of my name on both the letter and the SD. The debt was CCA'd some time ago and a CA was given but several people on this forum have agreed the CA isn't enforcable due to the wording and the fact I signed the front form and there was not CA T&C's on the front of the form. I wrote back to them disputing the debt and requesting compensation under the Data Protection Act and for them to stop misusing my data, to which they ignored this. I have had one or two letters back from them but effectively the debt is still in dispute with me. The SD was dated for yesterday and the covering letter dated for today and it only arrived in the post today - ESP or what?!?!? Not quite sure where to go being as it has been CCA'd, I suppose I could S.A.R - (Subject Access Request) it immediately??? All advice greatfully received - thanking you.

Yes, but a start IS a start! As long as it really does benefit the consumer and not just make the banks charge more with other services - like a reciept slip from the cash machine or something.

Just seen on the BBC site that OFT have won the case against the banks! It says more soon!

The DCA never owned the debt, whatever they told you. It is still owned by Cap1.

Indeed if you want to vent - use email rather than here!

Subscribing

Good for you! I am about to find out how I do something about the CCJ they gave me 3 years ago for part of a debt. They are a truely lovely bunch of people!

I'm still waiting for Fredrickson's to reply to my CA request. Ah well, perhaps they are busy!

Ooh lovely lot these ones! Go on - send off the telephone harassment letter - it really gets up their goat! LOL