No T&C were sent with agreement . Does this constitute an unenforcable agreement even if it has signatures etc ,therefore i should start re-paying the account or wait for Terms & agreement before doing anything.

at last aquired a scanner ... here is the copy of letter recieved from one account with paragon... and here is the agreement

thanks its printing as i reply to you and will be in the post later today R/D.

Thanks ...Recorded delivery it is then, i am not looking for luck with this only a legitimate and lawfull result !! are there templates for the letter to send on this site spuddly:)

can i send it by e-mail?

Where do i go from here? spuddly:)

Its now been 12 weeks and what i do understand is that they have sweet F#@# all. Why dont they just admit defeat and offer to close account;) Thought !! if they have sent S.A.R - (Subject Access Request) minus CCA is the matter still in Dispute?

there is no CCA in the SAR but they did mention

sar request

apologies for the delay in posting my paperwork i already have the sar, aas i mentioned i have just aquired a scanner

i am in the process of posting all communication i have had from them here goes letter no 2 of 3 letter no 3

I have aquired a scanner so here is a letter they sent me, check out the date.

When they CCJ'd me am i right in assuming that the payments up till then can be included in my total and not from there judgement date..? I have sent my letter by R/D 20/06/07 with CCJ payment waiting for a reply....

Been through my Equifax and credit expert reports it would seem that this paragon account does not show up anywhere on the searches !!. I can only find two refrences to paragon on my credit reports 1. Paragon personal finance,(previously CHATHAM FINANCE) who live in the paragon hovel.. 2 Pargon personal finance plc LOAN (£5 a month) --------------------------------------------- 3.Paragon personal finance £10k loan --------------------------- 1. I was sent a copy of the actual agreement from chatham finance with T&C in april OK..have sent letter to ask for Full and final no responce as yet. 2. Paragon P/F loan for insurance on a suite back in 2001 sent agreement but no T&C ------------------------------------- 3. and ABSOLUTLEY NO REFRENCE TO PARAGON NUMBER 3 UNDER THIS ACCOUNT which issued a ALLEGED DEFAULT and took me to court to get a CCJ.

Tick tock, Tick tock 42 days are almost up...

nice... i will use this if it ok with you and send them a cheque for £103 for this months payment,RD The DMP were offering £155 each month but i still reguard this matter in dispute..

Great and totally agree especially as these documents are supposed to be true representations of all the files they have on me. I really need help in what to put in my letter ,any suggestions please.. spuddly:)

I will look for bank statements but i do have a record history from the S.A.R - (Subject Access Request) ,also i have been with DMP since 03/08/01 and records of all payments from then till now.. Spuddly:)

Looked in the sar and there are no refrences to paying the CCJ . I hav paid £15,700 up to date. I have attached the sar request CCJ they have ..

her is the actual amount on the court papers paragon sent me in my sar i also agree and i think that i have paid enough to these to####rs i am sure its CONTRACTURAL INTEREST that they are triyng to claim for Spuddly:)

After checking my recent EQUIFAX report I have not been served a default by PARAGON. It was by universal credit but no copy of deed of assignment in the sar request.? At the time of the judgement they were trying to get me to pay £158 mnth pro-rata but all i could affordwas £103 which my DMP set up. So they took me to court and i hadnt got a clue as to how to defend myself in court.

ooopps double post sorry...

could someone point me in the right direction as to what to put in my assertive but polite letter?..plesase:) also seeing as the CCJ is still active and i have come out of my DMP should i still send payment for this month or do my actions still make the matter in dispute!!!

I spoke to the courts yesterday and they told me that the CCj is still applicable but that Paragon have not entered details on it since 2002, so i need to send them a strong letter asking for clarification of my CCj . My rough accounts from the sar request works out at$almost£16k an they took me to court for £10k. I wonder if they will be genuine in there reply seeing as the CCA was hand written??? portion of T&C (having problems scanning) CCJ from 2002 (sar )

these are the documents i am referring to paragon sent this i already had this from the start