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About 2hapennys

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  1. Ok Andy will do The only reason I ask it that I am on training for two weeks residental and wont be able to go to court during this time. thank you for your help so far x
  2. Thanks Andy Do I file now on leave it until a few days before the due date? xx
  3. Andy I would guess at around 2007, but cant be certain. I have asked them to prove this £1 payment but they have sent me nothing, does that mean they are trying it on? x
  4. Hi All I did not request a CCA in or around sept 08. The original creditor according to the claim was HBOS but the CCA shows The Bank of Wales. I opened a new account Sept 08 due to my marriage breakdown, the payment they allege was not from that account. My old joint account was used by my ex husband for a while. Who is named on the claim ? Is it a P/L or an overdraft ? What does the account number refer to? It is a P/L according to the paperwork. The claim is in my name only but the CCA is in both my ex and my name. I see there was PPI on the loan, was this of any va
  5. Hi sorry about the delay in replying my depression kicked in and I couldn't handle this. to answer the questions the oldrouge asked. 1. Notice of claimant is Arrow Global 2. Date of issue 15/8 3. Reason - The claimant claims payment of the overdue balance due from the defendant under a contract between the defendant and hbos dated on or around 6/11/97 and assigned to the claimant on 8/10/10 in the sum of £500. Then it shows account number and a date of 3/3/14 default balance and value. 4. Value £500 plus costs 5. According to coca it was a loan. 6. Date of original
  6. Thank you I thought it may be a phantom payment but I cant be 100% sure. Can I write to restons again asking for proof or just file a defence?
  7. Hi all I would like a bit of advice towards writing a defence please. Let me fill you in with as much detail as I can. My husband and I split up in 2008, we were both in a mess financially and the arguments about money was one of the factors to our break up. I opened a new bank account Sept 08, and after many tough years of knuckling down working 60 hours a week plus the advice of this site, I am finally debt free apart from a mortgage and an old default which drops of in the next two months. In March this year out of the blue I received a letter from Arrow
  8. I came home from work yesterday and found a delivered by hand letter from Lowells. It says that he has been directed to serve me with a Statutory Demand under the insolvancy act of behalf of Lowell. That he had attended by address without meeting with me, and ssyas he will call again on the 2/12, which I wont be there either because I work full time, it also states if this is inconvenient I can arragne another appointment. However if I fail to keep the appointment they will serve the demand by posting it through my letter box, which will be classed as the day of service. It is also his dut
  9. The court papers arrived today, got rather upset about it. Not sure how to fill them in, and some of the questions are terrible, with I have somewhere to live etc. Because it is a joint loan, do we both have to fill the papers in or will one set be ok. Thanks All
  10. Hi all I hope you can help and advise me. Yesterday I recieved a letter from Optima Legal stating SPML are trying to obtain a possesion order due to arrears on my secured loan. The total arrears are £1348, this is 4 missed payments including £350 of their changes. The letter does not say what I need to do, only that I will be hearing from the court in due course. I have not slept at all last night, I am worrying myself to death, I am also terrified that we will all become homeless. Can I stop this court hearing if I pay the arrears in full? I am hoping to borrow the money from my parent
  11. WOW, thank you for your quick reply, I will get that in the post this evening, would recorded delivery be best? Thanks
  12. Hello It was a credit card with MBNA, the balance does include loads of charges, and cabot have added approx £2000 for goodness knows why!!! Would you be so kind as to point me in the right direction of the templates for the CCA and SAR? Thanks once again
  13. Hi all Sorry its been a while since i updated, but my mum is out of hospital now, and seems to be slowly on the mend. Heres what happened. I contacted the court, and they advised me to send defence off before 4pm on the Monday, I completed it on moneyclaim on line, stating the facts, and the extra charges they have accrued, and that i signed no agreement with cabot etc, the fact that all my correspondence had been ingnored, which the court also advised me to put. I had a letter back from the court saying defence had been recieved, and that Cabot may wish to contact me further to discus
  14. Ok, I can do that now, but what do i put? What is an holding defence?
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