More for getting my own thoughts straight on defective D/N's I understand that the DN must specify a date for settlement and not "28 days ( or whatever) from the date of this letter. So, if a DN is deficient and defective can any DCA be told to get knotted on this or should it be initially via the CCA route/"Bemused" letter? and presumably it is not a good idea to tell the OC that their DN is rubbish? perhaps, if it ever gets that far, to wave it in Court? In addition, I presume that being sent a specimen pro- forma DN letter, with no specific personal details, never mind exactitude of dates is also to be regarded as worthless? Sorry if this appears silly questions, I am preparing a flow chart guide and want to get all aspects covered, I am very comfortable with CCA, bemused, defaulted, and all the other template letters so helpfully found here Many thanks

Hi, I've made a F&F offer of 25% to Santander but all they wrote back to me was for me to fill in a income/expenditure form and asking me to let them know about the other debts I have and how much I am offering them. Is this legal? I feel that if I say no then I won't get any further with them. This might be just a generic letter as I have been in a DMP with the for 4 years. Should I just offer them again? I have nothing in particular to hide but I don't want that info to be used against me.

hi can someone point me the right direction please. yesterday i recd a ccj blue form from northampton court from Nelson Guest Solicitors regarding and old HBOS credit card, i dont know when i last paid this but my credit file shows date of default was 20/3/2009 !! i stopped paying my credit cards when i had to reduce my hours at work due to childcare and then i relocated jobs and just couldnt afford to keep up wih the repayments . i have been offered a reduction on this debt in the past but couldnt afford to pay. after reading other posts on here please advise should i aknowledge the debt with the court and ask for an extension of the time limit should i send a CPR request to Nelson Guest and a SAR request to HBOS. or should i just try to negociate a payment plan with nelson guest ( will this stop the CCJ ) thanks

Do i have to fill out Income and Expenditure forms for all my creditors? The problem i have being self employed is that in filling them out would show that i have no available income to spare, but the truth is i have other un declared income and i actually want to pay these debts off but without the interest charges

hi i had great help from here on my husbands tribunal for esa which we won and now we have dla renewal is there any help i can get on here for filling them in thankyou guys

Hi All, I was hoping someone could give me some advice please. I have got a chequered credit history due to illness 5 years ago - including 2 defaults (2007 & 2009). Over the past 3-4 years I have no missed payments and 12 months ago managed to get a vanquis card and a capital one card to try and re-build my rating. Anyway to my question..... when I apply for finance - I put my address in and then it asks for residential status. I privately rent the house I live in with my wife however I do own another house (with mortgage - which my ex-wife lives in and I can't come off the mortgage.) As I don't own the house I live in I select 'private rent' - is this correct? Thanks for your help! Cheers Steve

Good evening. Could anyone tell me which forms should be filled in when contribution based jobseekers allowance ends and income related jobseekers allowance begins? It seems that I have been transferred to IRJA without being informed. I have not filled in any related forms for this benefit but I was receiving contribution based JSA previously. This has lead to a fraud investigation, so I am somewhat concerned. Thank you

Hi, I have been receiving ESA contribution based since Jan 12. All I have done is phoned jobcentre, told them that I was unable to work and they put on Esa. I have not received any forms or letters from them since the first letter stating that they would pay x amount per week and would probably have to attend a medical. While I am quite happy not having to attend a medical so far after hearing the horror stories I am getting a bit worried now as to what happens next. Do I leave it and wait for them to realize that they have forgotten my to send forms etc (probably when they write to tell me that my 365 days are up) , or do I inform them and take the risk that they fail me and probably will have to appeal. Also if I did pass the medical do they have to backpay me to the 14th week of claim as it was not my fault that they had not assessed me. Thanks in advance for reading and for any advice given.

Do you by law have to fill out the second form admitting guilt, sent with the first form which you have to fill out to admit to being the driver. or can you send a covering letter asking for the evidence of the offence . thus not admitting any guilt until they prove otherwise. 37mph in a 30 limit accordingly ... any advice .. or just pay up and shut up.

Wescots are the latest in a very long time of DCAs chasing outstanding balance for loan account on behalf of LloydsTSB. Although I have successfully reclaimed PPI refunds in respect of all three loans, LloydsTSB cannot provide me with copies of the 3 loan agreements - from 2002 through to 2005. They have sent me one reconstituted CCA but I believe that they have to be originals or real copies from that time to be enforceable in a court of law. Am I right??? Wescots have sent me copy statements of my loan accounts and are demanding payment. We've been playing letter ping-pong for months now. I have already advised them that the account is in dispute and they have referred back to LloydsTSB who insist there is no dispute. However, Westcots are still chasing. I understand that they can ask me for the outstanding balance but Lloyds can't take it to court because they cannot produce enforceable CCAs. My preferred method of communication is in writing. I can tell Wescots til the cows come home but still they insist that I call them to arrange a standing order/repayment plan/etc, I persevere though. (I have no landline and my mobile signal gets lost in the country!) NOT that I would actually talk to them anyway. If reconstituted CCAs are in order for these old loan accounts - I will offer them token payments each month. Thanks Impecunious!

Hi guys! I need your help. I need an ATM Dispute form, but there is nowhere to download it from (or I can not find it). I left England and I can not visist any branch to take it directly from them. So, if you know any websites with atm dispute forms for LLOYDS TSB, please let me know. Any help will be much appreciated. Best Regards Simon

Hi - I'm the claimant in a case detailed here - http://www.consumeractiongroup.co.uk/forum/showthread.php?266357-Pursuing-a-judgment-against-an-overseas-landlord-via-a-UK-letting-agent#post3016201 - it's a housing thing but because my latest headache is more about nuts n'bolts small claims procedure than the particulars of the claim I've posted it here, sorry if this is wrong. Anyway: I made a claim against an agent for various disrepair in a flat I rented once, they filed a defence, we applied to amend the claim form to add the landlord as a defendant and attended a direction hearing to get permission from a district judge to do this. The judge set a date for defence which the agent agreed to (themselves and on behalf of the LL who they represent), we filed the amended claim form with the court immediately afterwards and were basically advised to sit back and wait for further developments. After nobody filed a defence, I recently applied for default judgment but received a letter back asking for proof that we'd served the amended claim on the defendant, ie a certificate of service. My understanding based on what the court staff had told me was that because the agent was there and agreed to it, a date of service was specified in the order granted, and we'd paid £40 to amend the claim and hand it in to the court, the court would then serve the amended claim on the defendants along with appropriate pack of forms for defence etc. The court staff I recently spoke to on the phone basically said that we should have served it ourselves though, and that we now needed to do this. I'm a little uneasy about this becacse I've been bad advice by the court staff before that's delayed/complicated my case. I thought that the court serving the forms was kind of the default option because it's reliable and they can send the relevant additional forms from their end. Should I actually re-serve the papers myself, and if so should I be helpfully printing off various copies of the forms they need to fill in to respond to the claim? (This is partially based on me imagining that I've read a thread here where this happened to someone and they just had to write back saying "the court did this" - I can't find it if it exists)