http://equita.co.uk/public-access/faqs/high-court-enforcement http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?168-Bailiffs-and-High-Court-Enforcement-Officers/Stop-High-Court-Enforcement-Officer-HCEO.html Got a breakdown and being charged for Admin - Compliance Fee 75 Stage 1 - 190 Stage 1 1% fee - 48 Enforcement Stage 2 - 495 VAT - 161 makes another 970 more or less Claimant due 1330 approx

Will do in the morning Looked at several sites including citizens advice and the legislation around it will post accordingly

Thanks this isn't a council debt but commercial. Same rules apply? I have read other online legal sites including one from Equita as an example. that suggest you can pay direct and legally you are entitled to inform the HCEO and they only charge you what fees are due?

No, will be contacting their office for that and also ringing creditor for what they passed on to recover. Assume this is the best way?

I meant to mean should he have walked away and served or left the letter or was he being genuine with me or not? He was sorry we had been flooded and said he wished he could do more. If I pay the debt direct would they be entitled to get both stage fees?

Hi All, Had a recent bereavement in the family and didn't know a CCJ was entered by a courier form for my business. Got a call saying come to premises or will call a locksmith and more £ will be charged. Met HCEO and showed him we were flooded during Boxing Day and going to be a hard graft ahead. The CCJ was for £1204.74 - their paperwork is nearly £2300, and if sums unpaid etc, and further action including sale or disposal stage will make it near £3100. Advised got no help and unable to pay in one go, he looked around - showed me no ID and didn't give me the Notice of Enforcement - but just an intention to take control of goods - no signature was asked for from me. Going to contact creditor to try and make payment direct to close debt/ Question is - when I contact HCEO - am I liable for the compliance costs only, or 1st enforcement costs as well - or are they going to try and get more from us - I assume the creditor hasnt levied another £1k on top? Pulled a sneaky one on me after reading this forum. Any and all advice appreciated. Thanks

Am in the same boat as well, but just hanging on a little more before hitting them with this as well.

Well done Ell Enn -

Well done CB....Heres to many more cheques back to many of us warriors here

Thanks CB.

After a CCA request to our above named friends recently (they have replied after the 12 days and the 30 days clock is also ticking). A reply today (cut down) states: We refer to your Recorded Delivery letter. You requested copy documents citing the CCA 1974. We arent the original creditor. We didnt provide you the original credit and purchased the debt balance and right to colelct the balance. We didnt purchase ur actual agreement, so we have no obligation to provide you a copy of that agreement. Good practice wise, we have ordered the APPLICATION FORM frm the creditor and ask u b patient. Meanwhile, unless ur specifically denying that you have knowledge of the debt or ur liable for the debt, theres no reason why our debt collection activity should be suspended. We are the legal owners of ur account and ur liability is now to us in respect of paying the debt to our group of companies. They state the balance and ask that I contact them wihtin 7 days (yeh right) to disucss payment options. My learned friends..I feel I shud ignore this letter as they are in default...They ere also saying they will send me a copy of the application form (not credit agreement) and wait for the 30 days to lapse if the dont write to me wiht what I want. Does anyone concur or have valuable advice??? Thanks as always

Happy days and well done!

Morning All, Anyone care to comment? Thanks

Dear Learned Friends, Please see the link below and confirm this is an application form that our good friends sent me when CCA'd The clock keeps ticking for the poor chaps... Image of AKTIV KAPITAL 1 - Photobucket - Video and Image Hosting The reference is AK3 on the 3 pictures, just in case there is confusion! Many thanks

Hi MTM, I am a member at Salford Esporta as well. Have you, assuming you are a member there, spoke to Kerry the GM? Otherwise, there is the 'CLUB CLASS' line for complaints. I have an email address of someone there who replied to my email address and also I have the Director of Operations details to hand.

Today, I have received the normal standard letter from them, with a copy of an application form for a revolving store card account. There is no APR on it. I will try and upload asap for further comment. They also go on to say that they are not the original creditor, nor provided the original credit facility and purchased the debt with a right to collect the balance. Lo and behold, they have no obligation to provide me a copy of 'that agreement'. Needless to say the letter will be fired off tomorrow informing them of their legal obligations!

Thanks, there is not issue on payment I am happy to do so and have been paying on them. Any others care to comment?

Hi Here are the links to the 2 documents. Can any of our learned friends confirm these are properly executed credit agreements? Many thanks! Image of AKTIV KAPITAL 2 - Photobucket - Video and Image Hosting Image of AKTIV KAPITAL 1 - Photobucket - Video and Image Hosting

Hi Can anyone advise me how to upload the 2 documents I have in my possession for further comment. Many thanks

Would it not be easier to send this letter out? Any reason as to hold on to the letter? All advice appreciated!

Yes, I will scan asap and upload. Also, the letter has just been printed for the other alleged debt they have defaulted on and is going out today that payment will not be made as they have not complied.

I am sending a letter out this morning advising no payments are forthcoming with evidence of letter requests and that the alleged debt is now not enforceable, stop calling me etc.

Hi all, I have been paying the above for 2 years plus now on 3 accounts. Having come across the forum today, I will be firing off a CCA letter for the 3 accounts and keep my colleagues informed. In the meantime, as the accounts are/will be in dispute, should I cease payments until the provide the documentary evidence I seek? Many thanks and rgds

I have received a copy of my original application form. It details my static details plus the good bought at the time. Thats all. Does this meet with the CCA or not? Any advice?

All they have sent me is the original agreement that I took out originally. No other facts are on it apart from the original amount, what I bought from the store. Thats is. Just the original application form. Your comments?