done AOS on line l presume l do not have to do it for both of us? it is a joint claim

Particulars of Claim The Claiment claims payment of the overdue balance due from the Defendant under a contract dated on or about 21/03/1997 in the sum of 12k ish( my words)

Thankyou for all that advice A default notice may have been issued but this debt goes back to 1997 will this make a differance?

O and do we send the AOS back first ticking the I INTEND TO DEFEND PART OF THIS CLAIM and how do we get it changed to our local court?

Hi all have a thread about this in the General Debt forum but am not getting any help there so l'm starting one here. HFC loan taken out 10 years ago been making payments of £5 a month for many years! CCA request sent and agreement sent back it would seem to be in order as advised on my thread in the other forum. Recently the debt has been moved to a solicitors called Restons who very quickly rejected our monthly payments and lo and behold the court papers have arrived! There is £3629 IN PPI which we want to dispute plus there are bound to be charges in there as well. I understand that l need to send something like a CPR 18? is that right. Have just over a week to submit the defence papers so PLEASE can someone help?

how do l get them off?

ok will do but PLEASE can l have some help with this defense

ok thanks BobbyH

Thanks Bobby l hadnt realised! Any help from anyone pls on my post need to fill out defense and get it back

Hi all need some help pls! The HFC debt has now been passed on to a solicitors called Restons, no sooner had they introduced themselves but refused to accept the payment of £5 that we have been paying but on Saturday the court papers arrived! So a few questions, as you can see from the agreement there is life insurance and PPI which we think we should be disputing Is it too late to send a S.A.R to HFC to see exactly how the amount owing according to the court papers is over 12k then can l put this in the defence and also have it transferred to my local court as l obviously intend to be there hope this makes sense thanks in advance

Im gonna donate right after i've posted this. This site cannot be allowed to go under it is far too valuable. I've tried to click on the link to find out what has happened but it tells me l am not authorised to access the page. Any help pls?

thanks thats the exact one and l do agree that the template letters could do with an update

I had this with an alledged mobile phone debt with t- mobile think i'm on my third DCA lol! If you have sent the prov it letter then thats all you can do really it is up to them to prove it. They will no doubt pass it on to another DCA when they realise that they can not prove you owe the money.

hi there this is on behalf of a friend of mine. there is a lovely letter somewhere on here to send to the solicitors when a DCA has yet to comply with a CCA request it starts with " I am frankly amused to have to remind a firm of solicitors" etc but l cant find it ! Anyone point me in the right direction pls?

Well Done ELL-ENN is a super star!!

Well Done ELL-ENN is a super star!!

hi there, we were in court re repossession order earlier in the year. Pls try not to worry listen to the advise given to you on this site and l'm sure you will be fine. I'ts not as scary as you think as long as you can show the judge that you can afford the payments with what you can reasonably afford towards the arrears you wil be ok. Best of luck.

l can only comment on my provider Scottish Power call centre in this country and they are always very helpful

hi BB thanks for that l found another letter u posted on another thread so l amended it to suit acknowledging letters does not seem to be a thing they can deal with bless them! l am just about to send vanquis a letter asking for my charges to be removed so how these muppets of a dca will be able to handle it going into dispute l dread to think!

hi all these are an in house dca for Vanquis they have so far ignored my cca request, constantly phonong me on my mobile so sent harrassment by telephone letter now the cheeky beggers have sent me a letter saying in 7 days they will issue default notice! anyone got a letter l can send them . they really are the worst company l have ever dealt with

they are now threatening to default me even though they have not acknowledged my cca request could someone point me towards a letter l could send them pls they really make my blood boil !

my cca request being totally ignored and they keep ringing me on my mobile so telephone harrasment letter ready to send it does not seem to atter how many times you say in writing only they are too thick to get the message!

hi l'm subscribimg to your thread as l'm just about to send the pre lim to vanquis so maybe we can compare notes best of luck

soz just realised l mean Hi Spenttoomuchagain!

Hi Andrew, l swopped from N Power to another provider,dont recall anything about a contract as long as there isn't an outstanding balance u should just be able to swop just start the ball rolling and see what happens