Alan Thank you unreservedly for your reply. I have just been out and bought a printer for the task. I WILL keep you informed. many thanks First Update is a form N2 44 is being sent to me to have the judgement set aside at a cost of £65 Letter sent Recorded Delivery to Byan Carter, Solicitors informing them of contending charges. DPA being formatted as we speak.

Sorry to be a pain but need a tad of advice. Basically, I got a CCj against me for oweing RBOS £320 totally in charges. They issued a CCJ claim and I didnt defend so they got the Judgement (1 yr ago) I agreed to pay £26 PER MONTH then didnt when I found this site. I have since had the bailiff (REALLY nice bloke to be fair) and I told him I was going to challenge. I phoned Bryan Carter and spoke to NL(If I can put his real name up I will, not sure on rules) and asked them to hold fire. He then spouted off on one that all the charges were fair, I had signed an agreement the judge had entered judgement and there was nothing that could be done. I then asked him what his legal qualifications were and he said none, so I said so basically you are a telephone operator same as what I talk to when I phone up and place an order with Next. I questioned his ability to pass on legal say so as he had said there had been many a case lost by claimants. I asked him for legal reference IE Smith Vs Bank but he could not or would not say. The question is:- Can I suspend the CC order and infact now challenge the original Judgement Can I suspend it while I counter claim Should I carry on paying but in the background, then claim for what I have paid Can I claim the bailiffs cost back IF the original claim is null and void Thanks for your help

Im also new here and joined today. IF I get all my bank charges back I will be able to pay of my mortgage. THIS IS TRUE However, what the Halifax are saying seems to be a web to confuse you. How would you pay them if the account had been closed and A CCJ obtained against it? You couldnt. I PERSONALLY would write again asking them for the records under the DPA and enclose a cheque for £10 (This is I believe the maximum they can charge you) and inform them of the 40 day rule