Fericy, please tell me you are not taking these clowns' threats seriously??? Honey, step back and FOCUS: Read the letter, what does it say? Is it a court summons? NO. Does it say "we WILL do this or do that"? NO. Without having read it, I am prepared to take a bet that it says something like: "We MAY..." or " we will CONSIDER..." or anther favourite which looks scary until you actually read it properly: "We will instruct (...) to consider issue a summons", all of which means that ... they won't. ;-) STOP reading the words "summons", "repossession", "debt", oooh, ooh all scary and all meant to make you panic. Instead, make yourself a

so, in summary - it is bad law, i.e. the legislation you quoted doesn't apply in the UK, it is made irrelevant by the limitation act. The rest of your cut and pastes are the usual tosh. Dear OP - ignore Perp. He's daft.

He is bluffing. Sheriff Officers cannot become involved unless he has raised an action in the Sheriff Court and obtained decree (judgement in his favour). If he did raise an action you would then be able to submit your defence or put in a counter claim and the Sheriff would then decide on the merits of each party's case.

Don't listen to the DMC this advice is absolute crap. What is required here is a Debt Arrangement Scheme as there is property involved. This legally binding arrangement can be set up absolutely free of charge by CAB and other free money advice centres. As for the court proceedings there is provision within the scheme for pre -registration, which halts any enforcement action to allow the scheme to be set up. In most case this arrangement is deemed to be reasonable if the debt can be repaid within a period of 10 years, this will protect the house and any equity. For further detail and a list of money advisers go to WWW.Moneyscotland where

Posted this earleir today ... Egg CCards - Approved limit v Credit Limit - Judgement .. not yet published Hi all I know that a lot of people are waiting for this, and that PT has said that he won't be putting the Judgement on here following a slight falling out... Apparently Egg when now being challenged by a Debtor on the Approved v Credit Limit - have responded with this ... "We note your reiteration of your argument in relation to the use of the term "Approved Limit". You allege that we have failed to comply with section 61 of the Consumer Credit Act 1974 (the CCA) by failing to include all of the t