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    • dont think they are even allowed to offer settlement by instalments, they are not creditors.   read the letter carefully and understand what it doesn't actually say....like the word WILL anywhere.   they,  a DCA, can't recommend anything and their client most certainly wouldn't have disclosed anything to a powerless DCA about what their solicitors might or might not have said to them. and ofcourse a solicitor is in no position whatsoever to suggest to their client they get back to the DCA and tell the DCA to tell you their client will accept instalments!   the letter is a load of ole BS that is concocted by the dca without any input or knowledge of their client nor their clients solicitor...   dx      
    • The paediatric orthopaedic consultant at the fracture clinic told us today that he believes it is just a sprain behind the knee. I'm concerned my GP will say something along the lines of, 'you have seen a consultant, he says it will heal in 2 to 3 weeks, you don't know more than him!', or something like that. It's just that I believe I can clearly see a fracture. And as there was no fall or hard knock, only a very tightly streched knee bending at an angle behind, with a load. I figured that the temdon must have pulled some bone up. And thats the injury I found online. I totally take on board what you are saying. You are correct. I guess I'll see what my GP says tomorrow, hopefully she allows me to email the images, if she doesent have access to them already. Thanks again
    • Make a appointment ASAP to see child GP and let them sort it out and not Dr Google.   You may need to see a paediatric orthopaedic consultant for advice, a GP can refer the child if necessary.
    • As dx's post 2 above.  Toilet paper from paper tigers.  Settle back, relax & ignore.
    • Would you be content with the following X-Ray image being explained as a "sprain behind the kneecap"?   My 11 year old son wrapped his leg around the extention of a zip line at the local park a few days ago, then used that foot to hold on to a bar behind him before raising his right leg and enjoying the ride down.   He cannot straighten or bend the knee without pain and the affected kneecap is higher than the other. Following an X-Ray at A&E the Doctor sent us to the fracture clinic.   At the clinic the consultant told us it was a sprain behind the kneecap which will heal in 2 to 3 weeks.   When I pointed out what I thought looked like fracture he said that if this xray was from an adult, he would say it is fractured, but an 11 year old bone growth can present like this. Who am I to argue? If anyone understands how this possible please enlighten me.   Looking at X-Rays online, the condition in the title is what resembles my sons X-Ray the most. And learning that late treatment in children will cause issues with bone growth later on down the road. which is very worrying.   Thank You for reading this far, any opinions will be most welcome  
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Restons/HFC pending court case. Wrong CCA

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Hi All. Sorry if this is wrong place to post this.


Restons/HFC issued a CC claim form on 3rd March 2010 for £3k. I filed a defense to say they had not provided a true signed copy of the original CCA. The case was then stayed by the courts as it was done by the bulk centre in Northampton (apparantly if you file a defense online it throws the whole thing out and has to be started again).

I have now recieved a copy of the default notice, a notice of hearing application for the original case and a copy of the CCA not dated. A few thing here i think i need to have cleared up before proceeding. From filing my defence it has taken them 2 months to provide a copy of the CCA. The CCA is NOT signed or dated and the address on the form is for a house i have never lived in (but is for a house which was 2 doors away)

I lived at 8 and the form says number 12. The form is also not an agreement but titled "your proiority application for the marbles card"

Am i right in thinking all of this may make the whole thing unenforceable and as such senthould be thrown out court and if so are there any articles of the consumer or credit agreement rights act i need to quote ?

Any and all help will be most appreciated

Edited by charliesheroes

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Hi, charliesheroes,


Perhaps this might be of help until someone comes along who can advise you about court...


Visual examples of enforceable and unenforceable consumer credit agreements here

That the birds of worry and care fly above your head, this you cannot change. But that they build nests in your hair, this you can prevent. --- Chinese proverb

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Welcome to CAG. :)


Thread moved to Legal Issues where you should get some good assistance.


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