Will download the n244 form today whilst at work - would any lovely bods on here be able to help me fill it out? Any help really appreciated x

Any of the legal bods kind enough to have a look please? Many thanks in advance x

(((((BUMP))))))) - pls x

I'm definately not feeling the love on CAG today! Any advice - anyone? Wanted to get the set-aside ball rolling this week if poss. Lisa x

Many thanks! x

Right! Ready to pick up the fight now! Can anyone else have a peruse over the 'agreement' and let me know what they think? Haven't heard anything yet from hsbc regarding the latest letter i sent to say that they haven't provided a 'true' copy. Thanks in advance LIsa

Thanks Scab - wondered if a mod could move this maybe to the legal section? Many thanks Lisa

Anyone - please? x

Bump x

Will do! x

Thanks so much Underdog - normally i can handle pretty much anything thrown at me but the last 2 days have been very testing! Talk about choccie - OH who has been working away most of the week has just walked in and given me a massive bag of pick and mix! Must have read my mind. Lisa x

Yep sure have - not that there's much left to be honest! Having a bad couple of days! Need to feel inspired again to continue the fight! Lisa x

Right today the crafty so and so's have taken the loan payment out. My OH's wages were supposed to go into his new account but didn't (don't know why - he has to speak to wages dept). As soon as the money hit the account, they took it but with a slightly different reference on it - like it was done in a bit of a hurry! Gutted! Lisa x

Hi Mina - glad it went better than you thought, always the way when you're worried so much! Keep us all up to date, Lisa x

Hi Scab, i have my file now relating to this. The earliest letter i had about this was from 'metropolitan' collection services on 12th aug. saying they had been instructed by hsbc to collect the above debt. In the meantime, i contacted them on 4/9 to offer them 30.00 per month (they rejected that). So on 16/9, i offered 40.00 per month which they again rejected. On 29/8 they threaten court action. On 8/9 they reject my last offer (the 40.00 one) and say they will take action in court and seek a charging order on my property! The court papers from them say 'Dg sols' - which i know are theit in-house sols. So i'm assuming it's them that are enforcing the debt and not 'metropolitan'. That is all the info i have regarding this. I'm panicking now as hadn't read the charging order one properly before. I know you are going out now scab so look forward to hearing from you later. Lisa x

IS it still worth calling the court this morning? Thought i could plead ignorance and say that i HAD sent my defence but they obviously hadn't rec'd it? Or am i just clutching at straws? Many thanks Lisa

Right - just realised that this actually MY court claim and not OH's! Have all the court papers here now and it's mine! Can't believe i missed that! - i have so many cca's going on at the moment that it's all got a tad confusing! Regardless, i guess it's too late now as they issued the judgement. Have mentioned on my 1st post that they sent a reply to that cca today saying that they don't have the original agreement! I have ALL my finances on my pc at work and limited number at home. Need to get more organised! Lisa x

Yep just checked and they filed a judgement against me yesterday! Absolutely gutted! Is there anything at all I can do now? Lisa

Thanks so much scab - i'm off work tom as DD is not well but can 'phone court in the morn and will let you know. Lisa

Hey scab - i'm back! Just checked Royal mail and it was delivered 4th november signed for. Right have all paperwork here now. Original claim was issued 2nd october. I acknowledged and defended the whole claim which was on 21st oct. Is there any way to work out the dates from those? Should i have a look on the mcol site (even though it confuses the hell outta me)! Really pray i'm not too late. Lisa x

Just had a rummage through my paperwork and found the copy of cca letter sent to hsbc - it was on 3rd november. Will check on royal mail site now to check delivery

Thanks for that Spam. That's why i was so worried time wise, i knew time was up soon! As i am absolutely pants at writing anything vaguely 'official', does anyone have a draft of a defence that i could put in for tomorrow? Many thanks in advance Lisa x

Hi Guys, defo sent cca off spec. delivery (always do - work in a postroom)! haven't checked yet if they rec'd it but will do on monday when i'm back at work. Also keep a spreadsheet on work pc but pretty sure i sent it week before last or very early last week. Spam - do i need to actually file a defence though? And if so when is my time up (sent ack. of serv. 21st oct)? Sorry so many questions! Lisa x Sorry also is there a template for the 'sorry you haven't complied with request'?

Hi All, thought i should put this on it's own thread as i had previously added it onto an old one! Anyway story so far, hsbc cc have registered a claim in court for OH's cc. I did the acknowledgement of service on 21st oct and put that i was going to defend the whole amount. In the meantime i cca'd them (still awaiting a response). What i'm worried about is running out of time before they ccj me! In the meantime, i cca'd my own hsbc cc and today rec'd a 'basically we haven't got your original agreemet but here's a copy of what it should be'! So i'm pretty sure OH will get the same response from his as it was taken out at exactly the same time. Any advice very gratefully rec'd! Lisa x

Thanks Spam - I'll have a nose 'round the templates