Just need a quick piece of advice as waiting for a senior manager from MBNA to phone back. I have a loan with them, and have been paying off an amount each month under an arrangement. I have missed a couple of payments, and received some letters etc. I phoned on Friday to bring the payments up to date, gave a CC number to do this, which they took. They told me on the phone all was ok, now up to date. Later that evening they left a message on my answer phone to appologise but that they didn't realise I was paying with a Credit Card, they only accept Debit cards. So I phoned on Saturday and paid by debit card. They again confirmed that everything was ok. I got a letter yesterday, dated 1st Feb saying, "our records indicate that you have defaulted on your reduced payment plan. Failure to repay the missed payment and subsequent payments will result in the registration of a default at the Credit Referece Agency and the eventual termination of the agreement" etc. etc. I assumed, given the date, that it had just crossed in the system with my payment, but I thought as I had a spare moment today, I would just give them a call. The girl on the phone was very appologetic and said that defaulted the account on 28th, it was now showing as a balance of Zero as they have sold the debt on. WHAT? I have requested to speak to a senior manager and one is due to call me back. Where do I stand with this one, does anyone know? Many thanks, SD

I have received a letter from drydens fairfax solicitors threatening bailiffs, putting a charge on my house and attachment to earnings - standard stuff I think from reading other posts on here. My CCJ was received in default judgment in 2005 and since then I have been paying £55 per month. I stopped paying it because I simply could not afford to pay it. I am on disability benefits and my husband is a pensioner. I want to know what is the worst they can do to me. I do not want to complete their income and expenditure form as I know they will expect me to pay £200 per month or something ridiculous. If I let them take me back to court what would happen? I am really aggrieved about this because I have never earnt over the deferment level since I left university but because I did not complete deferment forms they got judgment in default. Am I ever going to be rid off this student loan?! My husband is worried about this and thinking of using his lump sum state pension payment to settle my debt of £4000. I really don't want him to have to do this but do you think drydens would accept a much reduced figure since they have paid peanuts for my debt?

Property was mortgaged in my sole name via Bank of Scotland. Account taken out in 2006. Was repossessed in 2009 following my redundancy in late 2008 and failure to pay. I had already left the property and wasn't involved with any of the process to repossess at the time. I didn't hear anything regarding the sale and subsequent shortfall until a letter from Henderson Booth & Snell (debt recovery agents) acting on behalf of Bank of Scotland on 27th November 2012. They stated the shortfall to be £26,XXX and offered the me the opportunity to pay a full and final settlement amount of £9,XXX or alternatively they would limit my personal liability to 50% of the original amount if I paid £50/month. Shaken that it was a large amount of money that had finally caught up with me, I filled in the standing order form and duly paid £50 per month every month from January 2013 onwards in order to limit my responsibility to ~£13,000. On 24th July I received a cover letter from Bank of Scotland telling me that they had withdrawn my account from Henderson Booth & Snell and passed it to Drydensfairfax. The accompanying letter from Drydensfairfax states I owe £25,XXX and as I have been making payments they consider the account not to be in dispute. They are asking me to make a repayment offer. Today I've received a follow up letter from drydens headed 'Notice of Recovery Action' giving me a final opportnuity to respond. I don't know what to do next and how to respond? I cancelled my standing order to Henderson Booth & Snell as soon as I received the letter, so my final payment to them was 12th July. I calculate that I paid £950 to them between January 2013 and July 2014. I've checked my credit report and my account with Bank of Scotland is showing as closed and 'satisfied' in May 2010 (one month after the property was sold at auction in April 2010). No other mention of this on my credit report at all under any other ownership. Having received the second letter from Drydens I am now extremely sceptical as to whether the first letter did originate from Bank of Scotland as both letters sent to me have the same return address, bar codes and font style used. The Bank of Scotland logo is faint and looks scanned in. The only information communicated on the Bank of Scotland page is my mortgage account number and balance owed. Are Drydens trying it on here??? The Bank of Scotland letter uses a PO Box 66, Rosyth, KY11 2WG address and the name on it is Paul Cameron. If my account is showing as 'satisfied' on my credit file, do I have to do anything? Thanks for reading.

hi i have sent Cabot a CCA request on 21.7.14 for an old Halifax debt going back to 2005, which my partner has been paying a token payment of £1.00 since He recieved a replay back from Cabot on the 24th july that they will try and provide the information requested within 40 days Today i have recieved a letter from Drydensfairfax solicitors acting on behalf of Cabot, the usual threats, do i ignore this letter or do i need to reply to Drydensfairfax

Hi all, Am attempting to assist a colleague and friend who is in a bit of a pickle with the above. It relates to a Sainsburys account they opened way back in 2003 and defaulted on in 04/2008. They referred to Blair Oliver and Scott who were CCA'd in early 2009 but failed to comply, (much later sent application form which was illegible and also later a copy of an agreement which was clearly a fake as had address details which were not current at the time of taking out the agreement but were at the time of request!) Sent various letters threatening immediate court action etc between 04/08 and 03/09 at which point account in dispute letter sent as no info recd by that point. Continued to send threatening letters and 05/09 they sent acc in dispute letter again. They ignored and continued to send threats etc. Acc in dispute sent again by recorded delivery and fax too 08/09 Continued with threats until 01/2010 when letter from Moorcroft appeared (no letter advising change of agent/DCA recd) Letter sent advising in dispute and default of CCA and then transferred to CapQuest. All of this correspondence came to their current address until CapQuest got involved who then started sending correspondence to an old address not valid since 2007 at least. Eventually letter came to light as they do have limited contact with persons at the old address and so they wrote to CapQuest pointing out the issues (CCA and in dispute, plus apparently false docs sent) In 07/10 08/10 and 09/10 CapQuest wrote several times to the current address confirming matter under investigation, on hold etc. Then in 07/2011 they sent a letter advising about to issue a stat demand to the OLD address again and then later that month issued a Stat demand to the old address though curiously with a court more local to the current address (attempt to get judgement by default?) As this didn't reach them until well after the period dictated it was too late to respond. Shortly after in 08/2011 HL legal wrote to say as they hadn't responded they will proceed with Stat demand again sent to the old address with a final payment demand to avoid such action. Then quiet until 10/2011 when it appears Scotcall took over and sent letters threatening a home visit, again to the old address until 03/2012. Quiet again until 11/2012 when Debt Managers Ltd to current address with req for payment, then 12/2012 from the same lot threatening doorstep visit. Nothing then until 06/2013 when CapQuest resurface sending letter to old address stating now referred to Past Due who then write to old address from 08/2013 to 10/2013 then current address from then on. in 12/2013 CapQuest write to old address again saying account returned by Past Due then nothing until 04/2014 when DrydensFairfax appear, again to the old address threatening all sorts, then again in 05/2014 to the old address, and finally a County Court Form appears again sent to the old address in 06/2014. Clearly all of those involved should know of the current address, CapQuest even wrote to them at the current address several times, but are now sending Court Docs, and previously have CapQuest sent a Stat Demand to the old address even after it is clear they knew this address was not current. To me it seems they are trying to get judgement by default by sending Court Docs to an old address they know is not valid having previously written to the individual's current address several times. There is also the question of the seemingly abandoned Stat Demand, also sent to an old address, plus the clearly spurious agreement sent in an attempt to satisfy the CCA request back in 2010/11. Payments may have still been made via CCCS until 2009 so may not be stat barred yet I believe. Am awaiting more info from my colleague on this to see when this stopped. So how best to defend this for them ? Advice gratefully received, am currently thinking that I go with CCA request not complied with, attempting to obtain judgement by default, abuse of process re Stat demand and so on? Help ! (They have another issue which I'll cover in a separate post re Marlins and duplicating defaults too, I suspect more will come to light too, a friend in need is a ......... complet as appropriate lol)

Well those famous people at IND and Hegarty LLP are really proving their worth. Today i've also received a summons for Northamtpton County Court for a claim they have on a debt originally from a loan amount from Capital One of which was passed onto Robinson Way some 4 years ago. Robinson Way couldn't provide me with the appropriate evidence of a mutually signed agreement having followed the process outlined from the very good members within CAG. Looking around on the forum, there seems to be a lot of information given in lots of threads which is causing me a little confusion of where to start to reply to the initial court action notice. Would someone who has experience of communicating with the court and Hegarty's, kindly bulletpoint the actions I need to take at this early stage in order to keep on top of the process and try to highlight to the court that the action IND take has to be reviewed without them giving time to communicate with me in written form.. Many thanks for everyone's co-operation at this early stage. Regards Keith

Hi All, I have received a claim form, today, this is what I have done so far. Prepared but not sent - SAR, CCA Request, CPR 31.14. My Answers to your questions are shown in RED. Thanks all You have received a claim form. In order for us to help you we require the following information:- Name of the Claimant ? Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 14th April 2014 Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) What is the claim for – the reason they have issued the claim? Please type out their particulars of claim (verbatim) less any identifiable data and round the amounts up/down. 1. The claim is for the sum of £8400 in respect of monies owing by the defendant on a credit agreement held by the defendant with MBNA under account ****** upon which the defendant failed to maintain payments. 2. A default notice was served upon the defendant and has not been complied with. 3. By virtue of a sale agreement between MBNA and the claiment, the claim vested in the claiment who has a genuine commercial interest. The defendant has been notified of the assignment by letter. What is the value of the claim? £8400 Has the claimant included section 69 interesticon (8%)within the total claim or is it shown separate within the Particulars but not added to the debt? No Is the claim for a current or credit/loan account or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? Original agreement was 1999 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt Purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No, I had one this year, not in 2013, not in 2012, 2011 - 2008 Why did you cease payments:- Was there a dispute with the original creditor that remains unresolved? Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes, paid for about a year, disputed interest and charges, told them I would pay what I had borrowed but nothing else What you need to do now. Answer the questions above If you have not already done so – send a CCA1974 request to the claimant Send a CPR31.14 request to the solicitor named on the claim form for copies of documents mentioned/implied within the claim form. There are two different versions - one for Loans/Credit cards the other for Current accounts Request 1 - Loans/Credit Cards Request 2 - Current accounts Thanks for reading, look forward to your thought.

hi all, i have recently setup a dmpicon to pay of various credit cards and loans. on the 21/03/14 i received a letter from arrow global stating that the management of my account had been transferred to drydensfairfax solicitors. i contacted them two days ago and they said their system had not been up dated with my details and they would call me back (still waiting). this morning i received a letter threatening court action if i don't start paying them. any help would be much appreciated

I have recieved a letter from the above regarding a late filing charge for 2009 which was originally £100 and has since doubled . The amount they are asking is actually less than the last statement I had from HMRC not by much but the figures are not the same. They list the usual threats advising legal proceedings , with the threat of a Distraint officer ? thrown in . I do enjoy a battle with a DCA but Im not sure I have enough ammo to go into battle. I live in N. Ireland so sometimes the laws/ rules vary . The letter says that this is a crown debt and therefore a serious matter or words to that effect. Is this all huff and puff ? surely HMRC could of sent their officer ( if there is such a thing) Im not afraid of a home visit I just like to know my rights. I have sent the letter back , its addressed to MR shuffler , a title they feel they have the right to thrust upon me and which I have never claimed .

When checking my bank statement this payday, I noticed that the regular monthly payment that I have been making against my outstanding Self-Assessment debt had not been taken this month, and, in fact, they had refunded the £25 payment made last month. Having had a serious nightmare in a similar vein with the CSA some time ago, I rang DF immediately to find out what was going on, as I don't want a) a nasty surprise later in the year or b) the debt to increase more than it does already with the interest added to the account. I was told by the agent for DF that HMRC had "taken back" the account on 10th December 2013. I have received no correspondance from either DF or HMRC about this, and have spent quite some time on the phone trying to get through to someone at HMRC to find out what this means to me, to no avail so far (waiting times of over 30 mins on 3 calls today...). Can anyone tell me what they think is going on here, and what I should be prepared for? Many thanks, Paul:???:

Hi all just need some with advice re:- Drydensfairfax representing Lowell Portfolio I Ltd (original Creditor O2). Just received one of their letters stating to pay in 10 days or they will commence legal proceedings. The debt is for £375.14 and after checking Experian found that O2 have the account listed as a zero balance but Lowell do have the debt listed separately as being owed to them personally. The settlement date for 02 shows as 30/10/08 but the default date for Lowell shows as 27/11/09. Honestly don't remember owing this debt at all and thought that the account had been settled as it shows on the Experian report. Any advice on how to proceed and what letters to send etc. would be gratefully appreciated. Many Thanks

CapQuest bought a defaulted Halifax credit card account. The debt is real, but also contains a lot of penalties and late fees. I sent their solicitors, DrydensFairfax, a CCA request. Six days later, they issued a County Court claim. Subsequently they acknowledged the CCA request. "We acknowledge receipt of your letter dated 15 October 2013 [the CCA request] and we note all your comments. "As a result of your letter, we have contacted our client [CapQuest] to clarify the current position and seek their further instructions. We will write to you, further, once they have responded. We confirm that, in the meantime, the matter is on hold. "We trust this resolves any immediate concerns but, if you do have any further queries, please let me know." So they say it's "on hold", but the clock is ticking on the County Court claim that they should never have started in the first place. I have made an acknowledgement of service. I need to put in a defence or they could get judgement in default. Any suggestions?

Hi everyone I wonder if you could help me? My wife has just recently received a letter from drydensfairfax chasing a debt on behalf of arrow global. They are also calling 2/3 times per day but we have not answered the phone to them. The thing is the debt is from the early 2000's and my wife has not made a payment on the debt for over 7 years so do we just ignore then and hope they move on or should we send them back a statute barred letter? I am a little worried about sending a letter in in case they try to somehow try to make out that a payment has been made during the last 6 years and we know that it is definately not the case but on the other hand we are unsure if they will stop with the harassment if we dont do anything.

Hi Guys, Had an MBNA credit card which was in default and I was making reduced payments. They ignored requests for a full and final and then sold my debt on to arrow who apparently assigned this to Wescott. I cancelled my payments to MBNA, received a letter from Wescots asking for full payment to which I didnt repply (on 21 Jan), received further letter from them on 8th March stating they understood I was making payments to MBNA (I no longer was) but to contact them to make it part of an agreed payment plan). I did not respond. I heard nothing further from Wescott and have today out of the blue received the following letter from Drydens fairfax directly on behalf of Arrow (I assume Wescots have handed back) which doesnt even contain any account details). Your advice on how to stop court action and next steps to deal with this would be greatly appreciated. I have never communicated with Arrow Wescot or Dryden Fairfax with regard to this debt Thank you[ATTACH=CONFIG]44952[/ATTACH]

Recently i started to receive letters from a solicitors called drydenfairfax who are ignoring all my correspondence in response to theirs i am being instructed repeatedly that i must telephone them. This i do not want to do i have been advised to deal with the issue only by letter as this is the safest way to deal with this company:!:. I have been sending all my letters via recorded delivery and am retaining copies.... any one else had similar problems!??.

Hi Had an old mables card. .Been all round the houses , ,Capquest had it last . .Sent a Recon CCA with an account number that wasnt at the time I took out the card, so def not the correct CCA . .The last letter from CQ was telling me they are still in talks with Marbles about the CCA that was 2012 ..Now received out the blue letter from CQ saying they have passed it to Drydens fairfax. .When Drydens finally write is there any point in CCAing them .. Or just tell them its still in dispute with CQ and quoting what CQ have said in letter ,,Or do I just ignore..? Thanks

Hi. we received a letter from Drydensfairfax re a mortgage debt from National Home loans. We have been making monthly payments as advised by a solicitor since around 1994 after being contacted by National home Loans. Our house was re possessed in 1990. They sold it for 80 000 pounds and we had bought it for 200 000 pounds. We had mortgage protection but the solicitor said that protected the mortgage company and not us. They want us to call them to discuss a discounted lump sum payment or monthly installments. Until 2005 we were paying 100 pounds monthly but my husband was made redundant(no redundancy money) We had to reduce payments to 10 pound a month and have been paying this since. We were unable to manage on my wages so reluctantly left the UK to live somewhere cheaper. We are struggling to live on our savings.I saw on the forums it is better to write to them rather than phone. We would like to stop payment all together but I expect this isn't possible. So we want t carry on paying the 10 pounds and ask what the discounted payment would be as a matter of interest. Thanks

Hi Urgent assistance please. Drydensfairfax served a county court claim on me on 18th Oct. I requested a copy of my CCA from MBNA in July 2009. Had various letter but no CCA, then Jan 2010 had letter stating that they need to get copy from the original lender quickly followed by default letter. Oct 2010, got a letter from MBNA telling me that they could not comply with my CCA request. Jan 2012 got a letter from MBNA to say debt being sold to Arrow Global Guernsey Limited. Oct 2012 got letter from Drydensfairfax giving me 10 days to make payment or will issue court proceedings. I sent a letter back stating the account was sold while in dispute. Drydensfaifax responded - As we have now become aware that you dispute the debt, we have placed the file on hold. However we must advise you that a county court claim was recently issued in this matter. You will shortly receive a claim pack from the court. We have requested a copy of the original credit agreement from our client as well as copies of statements of the account. No further action will be taken whilst we await this documentation from our client. We would further advise you that, upon receipt of these documents, we will forward them to you and allow you 14 days to review them and respond accordingly. Received court papers on 23rd Oct. Have responded to claim with intention to defend and sent CCA and CPR31.14 to Drydensfairfax. Also sent SAR request to MBNA. Not sure what to do now.

hello all sorry if this is in wrong place but this is my first time posting. Today i have recieved a letter from drydensfairfax asking if i live at this adress as they need to contact me. it does not say anything else regarding a debt. in the past i had many debts, i have not made any payment since 2003 on any of them most of them were unsecured apart from my mortgage which was repossessed in 2002. now i keep an eye on my credit report via experian and noodle every month and there is nothing on my report which indicates i have or have ever had any debt. Just been excepted for a credit card !. What should i do about this letter as im abit worried as my husband will go mad as he has no idea i was in debt. should i contact them asking what its about as i dont want to ignore them for them to hassle me all the time. many thanks hope someone can help. H

Hello, how has other members dealings with drydenfairfax been please ? they have just written saying they have been instructed by Creation Finance ( Adams card ) to collect the debt, They have also informed me their client will only allow any payment plan to run 24 months, so i would need to re-pay £180.00 per month to clear the debt, this i cannot do, i can re-pay £50.00. They have said in that case the client will accept £50.00 'without predjudice' and at some time the 'most likely' take me to court, ccj me and get a charge against my property. any feedback on this would be great, as im really staring to worry about this all. R x

Hello, I have a county court claim form (scan of front page attached) filed by Drydensfairfax with Arrow Global Guernsey Limited as the claimant. The claim is for £10,478.26 + costs + fee = £10,768.26. This is for the MBNA credit card which I originally asked for assistance concerning in Feb 2011 (see posthttp://www.consumeractiongroup.co.uk/forum/showthread.php?293514-MBNA-Allied-International-Credit&highlight= - that was with AIG and I never received a response to the SAR request at that time. I wasn't aware that the debt had been transferred to Arrow Global since. I have received some letters from Drydensfairfax but ignored them, probably should have dealt with it then. The claim was issued on the 16th October. I filed an acknowledgment and intention to defend the full claim on the 2nd November. I have today (12th) sent off the CPR31.14 request, also attached - recorded delivery. This was taken from the consumer wiki /index.php/DCA:_Using_CPR_31.14_to_Your_Advantage The question I have, which I'm not quite sure on the answer to despite having read as much as I can on this excellent forum, is what should I do about the 28-day deadline to file a defence which falls due on the 18th. Well, for a start the 18th is a Sunday, so will the deadline be on the Friday 16th or Monday 19th? Shall I file a defence like the one put together by "southernjessy" on /forum/showthread.php?366533-Bryan-Carter-Arrow-Global-County-Court-Claim&p=3993765&viewfull=1#post3993765 ? Is there anything I should do or need to know about? I did NOT take out PPI on this card, I know that for a fact. There were quite a lot of charges applied, however, but I don't know the full value - I can possible find out if I still have old statements. Is that worth doing? Very much appreciate and replies, advice and pointers. And once again, thanks to everyone involved in this forum - it's been invaluable to me at various points over the past few years! Stewart Original thread http://www.consumeractiongroup.co.uk/forum/showthread.php?293514-MBNA-Allied-International-Credit&highlight=

Claimant: Arrow Global Ltd with: Drydensfairfax solicitor Original debt: MBNA CC Brief chronology: marital separation occurred 1st October 2007. Then through to 8th December 2008, my estranged wife continued to reside in our property (lets call it Property A). Thereafter she moved elsewhere, and I then took possession of Property A, where I have resided since. In January 2009, I wrote to all her debtors, advising of her change of residence. One of these debtors was MBNA in relation to a credit card. In fact I wrote twice to them in January 2009, for which I have copies of that correspondence. It clearly stated that she had moved elsewhere and her onward residence at that time was explicitly given, plus I also advised that any correspondence they may have sent to her since her departure on 8th December 2008 will not have been received by her, unless they had forwarded additional copies to her latest address. Recently, on 13th November 2012, Drydensfairfax served a county court money claim on my estranged wife. It arrived in my letter box at Property A. Copy of page 1 of the claim is attached. It looks to be fairly standard for MBNA, Arrow Global and Drydensfairfax, claiming 1. the Defendant failed to maintain payments (which is quite possible), BUT: 2. A default notice was served upon defendant and has not been complied with..... & 3. By virtue also a sale agreement (blah blah blah) The defendant has been notified of the assignment by letter What is clear is that Points 2 & 3, are nonsense. Anything they have sent, care of my Property A address, WILL NOT have been served on the defendant (as she does not reside at the Property A address) and equally she will not have been advised properly of the sale agreement/ reassignment of the debt from MBNA to Arrow Global. My question is, how do I stop Drydensfairfax and the court dead in their tracks and stop them using my Property A address as if it was a valid residential address for the defendant. What would people here suggest ? The ideal solution would be for the Claim to be struck-out (as 2 of the 3 Particulars are pure-fabrication) and for Drydensfairfax to be forced to go back and to have to reissue a default notice to the correct address (so that the defendant does actually receive it, in other words it is served properly). At least she can then respond to that, before a Court Claim is ever issued. All round, I have no problem with writing to whoever, in order to assist the Ex with/in this matter....it's just a question of what to do next. Any suggestions?

Hi I'm another who has received a Northampton CCBC Claim Form on behalf of claimant Arrow Global Limited The issue date is 5th September 2012 I did the acknowledgement of service online on 12th September 2012 Particulars of claim 1. The claim is for the sum of 1,087.27 in respect of monies owing by the defendant on a credit agreement held by the defendant with Sainsbury's Bank PLC under account number nnnnnnnn upon which the defendant failed to main payments 2. A default notice was served upon the defendant has not been complied with 3. By virtue of a sale of agreement between Sainsbury's Bank PLC and the claimant, the claim vested in the claimant who has a genuine commercial interest. The defendant has been notfied of the assignment by letter Amount claimed = 1087.27 Court fee = 65 Solicitor's cost = 80 I've had a couple of letters from Drydens but have never heard of Arrow Global Limited Default notice issued on 17th September 2009 however CallCredit, Experian and Equifax state a default date of 25th January 2010 Last payment of £10 was made in September 2010 I thought the debt was back with Sainbury's Bank in-house I had PPI on the credit card and tried to claim on this when I became unemployed on all occasions The first time, the claim was rejected as I had been sacked under probation. The subsequent times, I was contracting through an umbrella company as opposed to being a sole trader and therefore deemed self-employed I also had late payment fees and over limit fees of £12 each over a number of months Having read various threads on here regarding this company, I think I understand that the next step is to write a CPR letter, but am unclear who to address this to? Also, do I need to do an SAR and if so does this go to Sainsbury's Bank or Arrow Global? I'd prefer not to write to Arrow Global as I have no evidence of them having any claim over the debt I have 3 other debts and am now worrying that they will issue a CC claim as well, I'm also in the middle of a re-organisation at work and employment is not secure. My income was already reduced 18 month ago through another re-organisation I max out £2000 my overdraft every month. I had some money I was going to use to pay this off, but got caught out by right to off set lasy year I'm currently surviving on pay day loans every month and really struggling to cope. I've tried CCCS and Payplan, but I could not commit to the payment plans (long and complicated story) I'm kicking myself for not keeping on top of things Thanks Nicola