Thankyou so much. Its so reassuring to find so many people in my position (not that i'd wish this on anyone ) I will get the cca sent first thing. Fingers crossed. I'll be watching your thread closely with interest. x

Thankyou so much. I'ts so reassuring to find other people in my situation (not that i'd wish this on anybody !) I'm gunna get that cca sent first thing. fingers crossed x am also gunna watch your thread for news and good luck to you too !

Thankyou CB. I'll do that. Fingers crossed. x

Thankyou very much i'm def going to get the CCA off first thing. Can i ask did you also have a stat demand off them. God i hope this doe'nt back fire on me. x

Hi Paul. Thanks. I havnt yet admitted anything to anybody. Although i have had letters from them i havnt corresponded to any of them.

National debtline. No havnt sent it. I'm too scared that they would just pursue this anyway thats why thinking of making monthly offer. Can they still persue bankruptcy notice if i send off CCA or does that give me some time. I'm not saying i;m not go to pay this coz at the end of the day i did have the loan i just want to do everything possible to avoid loosing my house. thanks.

Have just rang debt advice line who are suggesting i make an offer to pay monthly. Any suggestions ?

Hi Sequenci. Yes i do have a mortgage. The demand was deleivered by royal mail 2nd class. I dont dispute the debt but was originally from citifinancial. I have had letters from 1st credit and 1 from connought. There hasnt been any visits that i am aware of. Thanks for the help.

Hi Gizmo. Thanks for that. Unfortunatly i can't scan the document. I have tried to take some pictures but arnt turning out very well. I will try to tell you as much as i can. First - The letter was sent through normal royal mail and posted through my letter box. I did not sign for it nor was it hand delivered. On the document it's dated 1st August. On the post mark it says 3rd August and i did'nt receive it until 10th August (last Friday ). Front page - Title- Statutory Demand under section 268 (1) (a) of the insolvency Act 1986. Debt for liquidated sum payable immediately. (The left hand corner has a blue triangle. Demand - to myself (inc address ). This demand is served on you by the creditor: Name 1st Credit ( finance Limited ) ( inc address ) The creditor claims that you owe the sum of £4205.78, full particulars of which are set on page 2, and that it is payable immediatly and, to the extent of the sum demanded, is unsecured. The creditor demands that you pay the above debt or secure or compound for it to the creditors satisfaction. Ref No and phone No inc. Page 2 - A The debt was incured by monies due under financial agreement. The debtor is in breach of the repayment terms and has failed to adhere to the terms and conditions of the repayment arrangements. B - The debt is in respect ofoutstanding monies owed to the creditor by the debtor for non-payment of a citifinancial agreement. The benefit of the debt having been assigned under an agreement to 1st credit ltd 9/5/2007. Page 3 - Tells me about presenting my own bankruptcy petition and tells me the appropriate court is ( YOUR LOCAL COUNTY COURT, OR COMBINED COURT ) and that an application to set aside the demand should be made to that court. It suggests that if i want to know which court this is then i should contact them for this info. It then goes on to say who i should speak to with phone No and Address and ref No. Original creditor Citifinancial. Assignees 1st Credit LTD. Page 4 tells me what i should do to avoid bankruptcy. Sorry to go around the houses but i think thats everything. Do you think i should just make an offer to pay monthly. The last thing i want is for this to backfire on me. Getting pretty desperate now. Time running out. Many many thanks to anyone who can help. x

Thankyou Tilly49 i will have alook through them to see which ones i can use. Looks like alot of bedtime reading !!! Oh well cant sleep anyway. x

Hi there. I've just joined the forum and have to say it's so reasuring to find i'm not alone with my situation. I've already learnt quite alot in only a few hours. If i can just tell you a little about my story perhaps someone will be able to help ( i'll try not to go around the houses ) This morning a statutory demand dropped through my door from Connought collections demanding that if i dont pay up the sum of £ xxxx.xx within 21 days i could be made bankrupt and my property and goods taken from me . Ok i did indeed take out an unsecured loan with CITIFINANCIAL for considerably less than what is being demanded. I fell into difficulty and consequentially fell behind with payments. I am assuming the debt was sold to 1ST CREDIT as this is who CONNOUGHT are quoting as the creditors. I have had correspondence from 1ST CREDIT but stupidly ignored their demands. My stomach completly fell through the floor this morning when i received the letter. I'm not really sure what the hell to do ! The general idea from the forum seems to be to send a letter requesting a copy of the credit aggreement. What happens after this ? I dont want to make them annoyed enough that they go ahead with banckrupcy. I have my house to think of. I'm not disputing i borrowed money and it is only fair it;s payed back. But, times have hit me hard and need to know the best way to go about getting this resolved. Also i have got my credit report online and was astonished to see a default from CITIFINANCIAL for £xxxx.xx and also a default from 1ST CREDIT for £xxxx.xx and therefore my report says i have 2 default for the amount of £xxxx.xx when in actual fact it should be 1 for £xxxx.xx. I cant beleive they can do this. Surely they arnt allowed to do it. Or are they ? Can anyone help me on this or has anyone had a similar situation ?? Many many thanks to you all x