Got a court hearing date for the 10th july 11am. A little worried as not been to court before. I sent the n244 as advised. What do i need to take to court and what can i expect?

Sorry to hijack thread but had the very same letter from Weightmans assigning debt to PHOENIX. I requested CCA a year ago and only got sent application form. They say i have until 3rd July to respond or they will take legal action!! I assume i just sit tight until they (if ever) come up with CCA.

Thanks guys, the cc debt was paid in full so i will try and get the ccj set aside for the current account and tell them to whistle!!! Cheers for the advice.

How do i go about getting the charge set aside?

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Thanks for the replies guys. Just to clarify it was a personal current account. I also had a CC with around 4.5k owing and they had placed a charge on my house for this amount so when i re mortgaged they took this amount instantly with the proviso that i pay the O/D off around £100 a month. I then found this site and put a claim in for my charges but i still kept getting letters from DG saying that if i did not pay they would get a warrant of execution. I currently need to pay £167 before the 30th may or the bailiffs are coming round.

They have a CCJ for this debt but can i stop payments because of the stayed court case. DG issued a warrant for unpaid arrears on the account of £167 so do i pay or kindly request that they take a flying jump?

Hi CB, i currently owe HSBC 950 pounds from an original debt of 2k. I have been paying this off but missed the last 2 payments. DG solicitors have now issued a warrant of execution for £168 (the arrears), my question is that i have a claim on this very account that has been stayed in the Norwich Court, so do i have to pay this or are they acting illegally. DG told me that i have to pay this regardless of my claim (claim value is 2.5k). What do you think. Thank you in anticipation of your reply.

I had a charging order from HSBC for 4.5k (before i found this site)I remortgaged and paid it off. Does anyone know where i would stand if i requested the CCA now. Would i be able to get my money back? Longshot i know. Maybe i could still get some of the charges back.:-|

I had a charging order from HSBC for 5k (before i found this site)I remortgaged and paid it off. Does anyone know where i would stand if i requested the CCA now. Would i be able to get my money back? Longshot i know. Maybe i could still get some of the charges back.

Thanks PO, i will scan tomorrow when i get to my office. Thanks for the help.

Hi PriorityOne, they sent me a copy of an agreement that i supposedly signed, i do not have the document to hand and i think that it possibly is an application that i signed.

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I requested a true copy of the CCA with the prescribed T&Cs but they say that a photocopy will suffice. How shall i respond?

Hi everyone, i CCA'd Weightmans and they sent me a letter back saying on behalf of HFC that they are only obliged to send a copy not a TRUE COPY of the CCA. If i do not resume payments then they will take legal action. I thought that a TRUE copy was required? How should i respond. Thanks in anticipation of any replies.

It looks as though they have been instructed by EGG bur i will CCA them anyway just to be on the safe side.

I have not CCA'd EGG direct. It was with Fredrickson and i sent 1st letter in june 07. Got letter yesterday stating "We refer to recent correspondence in this matter. Please note that we have been instructed to take no further action against you and have therefore closed our file". :-)

Just a quick update. I CCA'd Fredrickson who were acting on behalf of EGG (7.5k debt) and after many letters i received one today saying that they will be taking no further action. Is this the end of it or will EGG pass on to another DCA?

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Anybody had a similiar letter? States- We refer to recent correspondence in this matter. Please note that we have been instructed to take no further action against you and have therefore closed our file. :)

Just a quick update. I CCA'd Fredrickson who were acting on behalf of EGG (7.5k debt) and after many letters i received one today saying that they will be taking no further action. Is this the end of it or will EGG pass on to another DCA?

Had an offer of around 1600 against 2800 over a month ago which i politely declined. I have now reconsidered as wife is 7 months pregnant and could do with the cash. What chance have i got of now accepting offer. If i write a letter saying that i have reconsidered do you think that they will comply or tell me to take a running jump until the test case is heard?

Anybody please!!

Still heard nothing from the court. Is it worth me using the n244 for the removal of a stay. I have not heard of anybody having any success with this so i dont just want to be throwing good money after bad. Just feeling a bit negative about the whole thing now. I have got another case with nat west for £2500 and i have just received a letter from Cobbetts and the court saying that they have submitted a defence and my AQ must be in before the 24th Aug! Is it worth paying £100 just to hear later that the claim will be stayed. Any advice will be greatly appreciated.

Anybody please!!