All real so need a defence for the 11th jan, ill try and it something together but any advice re the validity of the agreements etc would be great. Not sure what I'm hoping for really, perhaps keeping the car and owing what they've been offering - half of what they're currently claiming for or best case scenario the agreements aren't valid and not owing anything more than we've already aid

Just rang the court they have got the acknowledgement of service and claim is on the system so it's real

Thanks brigadier It is my court stamp, I've checked it against another court doc. Shall I ring my court or Northampton?

Neither of those , my local court stamp is on it.

shall I call Northampton County court even though thats not the court stamp that is on it? I went today to acknowledge and the court was shut i was advised to post in the secure post box there and will ring on thursday to check they have it. Feel like its so sneaky of welcome to have done this over xmas, the claim was sent 2nd class! and now the court isnt open around the time i need to defend etc

Hi that thought did cross my mind but the notice if return of goods hearing has got my local court stamp on it which isn't Northampton, and on the bottom of the docs it had the address and details f the court so I think is from the court, the n1 also has my local court details on the bottom

ok ive printed a form N9 Ill take it to the court tomorrow, then know have until the 11th January at least to submit my defence

says I need to acknowledgement of service but cant find anything that says that on it either this gets worse

please can someone help me, there are no web addresses for online defending, I cant see anything that looks like a password or a username:( ive googled defending an N1 and cant find anythign on the web that helps either

Thankyou, I'm gonna look at it now, take it I don't have to give any details just click that I'm defending? Thanks again

Hi sorry if I'm being really dim but on the claim form it says if I'm disputing that I have to fill in the defence and submit to court in 14 days. The date on the form is the 11th so 14 days 25th , although it was posted 2nd class in the Xmas post! What shall I write on it? That I will later submit my defence? I'm not sure what to say I'm going to defend it on. I want to take it to the court tomorrow donuts def within the timescales or poss on the 27th but don't really want to worry like this over Xmas day! Any help gratefully received Merry Xmas al! Gilly

Thanks for your replies, as you can see this is giving me many sleepless nights, I just can't find the termination notice;( I have 14 days to acknowledge think I need to do this inbetween Xmas and new year. Can I say I'm disputing and submit my defence later on? Will acknowledge on Xmas eve if I can and get it out of the way. I have the letters regarding the mix up with the sar request hoping that's the main point. Expertise credito rang today no idea was going to court and wanted to offer me advice on what to do!!! Thanks all once again Ill read back over the thread in the morning and see if there's more docs need posting on

Please help, shall I fight them? Have I got grounds on which to fight them?

Hi anyone advice after seeing the docs, know we've only 2 weeks to let the court know what we're going to do With it being Christmas not sure when it will be open

[ATTACH=CONFIG]40029[/ATTACH] I have uploaded the terination notice from welcome and correspondence from Atles offering reductions. The one doc i cant find is the default notice referred to on 1/11/2011, but i will keep looking and post when i find it

Just dug out the last letter from third party debt collector who offered us £10 a month. Should I take and ask yet canx the judgement? I know shouldn't take on third party collectors but if it is that or a judgment Any thoughts on the claim form, know we've only 2 weeks to let the court know what we intend to do Thanks all once again

Yeh I saw that aswell, they've confused me so much quoting random acts over the years. Section 90 of this and 89 of that

Thanks dx, i tried your instructions re pdf but kept trying to make me pay for ADOBE, hope they can be viewd like this but I will keep trying THanks, looking over them with my little knowledge doesnt seem much we can do bar raise £5000 before feb, does anyone know if I can stop the judgement or shall i admit, let the judgement be set then pay it off in the timescale it sets? as cant have CCJ with my job. there are no insurane charges etc we've already posted the agreement on this forum and someone took a look a while back. Been looking back over old posts and all we ever wanted them to do was accept reduce payments so we could clear the thing really thought when SAR wasnt fruitful that they lost our account! oh well thanks again to all CAGGERS [ATTACH]40005[/ATTACH]

Well, we'll, well merry Christmas from welcome finance. Despite never replying to my subject access request we have had demanding letters from Experto Credito who I have ignored, Today received a county court summons for a return of goods hearing in February. Welcome have attached the credit agreement that they were unable to find. They are asking for the car back and the remainde of the balance £5000 less whatever they get at auction or a judgement on the £5000. I never thought they would actually get to this point, we haven't paid them anything since 2009! Any advice,?? Experto Credito have just offered us a 50% reduction payable in instalments. I assumed that this was because welcome knew they didn't have a leg to stand on Should I take the 50%? Should I accept I owe and make arrangement to pay which is what we tried to do when we got in arrears but it was never enough for them, plus the car was kna jerked when we bought it - the garage went bust so warranty never honoured - we have evidence of complaints sent to them but all replies are that they did nothing wrong? Or third option go to court and argue it?

Love this reply! How very true! I will report and now find it amusin that the company that caused me many sleepless nights are so ridiculous!!

Here we go, just an update Welcome have replied to my letter by sending me a photocopy of the photocopy i sent to them! Stating on the 4th may they had my req and the £10 but they don't know who I till I send them my drivers license or passport! Even tho I have stated by admitting they don't know who i am they have clearly breached data protection by writing and ringing me duh!! I shall update if anything significant happens

is there a letter re not complying with an SAR request?

Hi the merry go round continues... 2 letters from atlas collections recorded delivery today Stating they haven't recd a subject access request from us. Altho last letter states they want passport Id off us as they don't know who we are. And in response to me saying that they are unable to pursue any legal action they highlight that the statement is incorrect as they have responded to all complaints within the timescales. Also states welcome finance intend to act on the termination letter. 2nd letter states without predujice Secured asset: Registation number Account remains in default and as agreement secured on above motor vehicle they are now instructing litigation agents LRC to commence action through the courts to recover assets and costs incurred Any ideas?

I know I wish we'd have pursued but was nervous and I know they knew they were wrong! The judge might hav had a bad day and we didn't hav evidence but then neither did they!

Hi all Went this morning, wescot it had appointed a rep who stated before we went in that wescit believe they have acted appropriately and there is a debt but due to commercial sense want to set aside the judgement, drop the claim with no order to costs. We agreed altho felt that we had a strong case, we didn't have any evidence tho as the more this has gone in the more convinced we are that it's not even our debt. Anyway apparently on receiving our witness statement that's what they wanted. The judge then set aside the judgement and struck out the claim Thanks to u all for your help Not sure what happens now except I'll try and Vodafone to acknowledge not our debt and that £1 pymt to wescot cleared up Thanks again for everyone's support and advice Gilly