Thanks MR2Phil It's just annoying that we are trying to sort ourselves out, but these guys just don't want to play according to the rules and will try and break us down until we just give up. On the plus side if I didn't get the claims I wouldn't have found out about the CAG and my rights . Now as I have a debt mountain and can't work and will be relying on benefits, the way I see it there are now two case scenarios, worst case I lose probably decide that bankruptcy is for me and these clowns don't get their money back, best case I win and these clowns still don't get their money back. Grrrrr why can't they just see sense?

Hi I have just received this reply today from Howard Cohen; Dear re: CL Finance Limited v me We refer to your letter of recent letter in which you have made a request for information under the civil procedure rules. We are not obliged to provide this information, and would advise that the particulars of claim detailed in the county court claim form should be sufficient to allow you to respond accordingly. Please respond to the claim form with either an appropriate defence or an admission and offer of repayment. Failure to do so will result in a judgment being entered without reference to you. yours sincerely, xxxx Well I guess they are starting their scare tactics now, it has taken nearly 18 days for them to reply with this. You would however think that at least they could have run a spell check and checked their grammar. Letter aside, just judging by the rubbish paper and appalling print quality of this letter as well as other posts regarding them, it seems that Howard Cohen are just so unbelievably c**p. Any advice on a response? Thanks.

Hi Rory32 Thank you for your reply, I hadn't sent a S.A.R - (Subject Access Request) or CCA request, as I had only managed to find this site after I had received the claims. Had no idea about such things before this. I seem to recall receiving a letter from hsbc about the assignment. Not too sure if it reflected both accounts though. One debt is a credit card the other a personal loan. Both were used for the business. I do think, that on reflection, that perhaps I was missold the loan and if you think that it will help the defense and won't be a shot in the dark to go down that road, I will post details as it was quite a complicated situation.

Hi Having a bit of a down day, I thought I might be able to deal with these claims but I am struggling at the moment. Received these claims recently, filed an AOS for both stating that I will defend the whole of the claims. Phoned the court and have to file the defenses by 25th Feb. Brief history, recently I had to close my business mainly due to ill health and as such haven't worked since November and have been signed off work for the foreseeable future. Was on a dmp with cccs until I stopped working after which cccs couldn't help any further. Offered CL Finance token payments as well as outlining my position. They didn't respond cashed the cheques and sent a letter threating court action, this was in Jan. I thought this letter had crossed with mine so ignored it and then along come the claims. These claims are for two HSBC debts they had bought. P.O.C for both are; The Claimant's Claim is for the sum of being monies due from the defendant to the claimant under a regulated credit agreement between the defendant and HSBC Bank PLC under reference xxxxxx and assigned to the claimant on the 28th September 2007 notice of which has been given to the defendant. The defendant has failed to make payment in accordance with the terms of the agreement and a default notice has been served upon the defendant pursuant to section 87(1) of the consumer credit act 1974 the claimant claims the sum of I have sent cpr requests which the PO website shows as being delivered on the 29/01/08. So far no response. I never received a default and I was also under the impression that by them cashing the cheques they were accepting the token payments and thus my position. I did receive a notice that they had bought the debts but this was around about november time and not september and as such the cccs were probably still paying hsbc. Also I know that there are penalty charges and if they have been taking ppi payments then as I am unable to work I should be able to claim thus disputing their amounts. Sorry about the long winded post but any help with a defence will be much appreciated. Thank you

Thanks for your replies.

Hi clutchingatstraws Sorry I should have elaborated a bit more, I am not paying a doorstop collector as this debt was included on the dmp run by cccs. Moorcroft may have sent a book but I don't remember ever having to use one or been asked to use one.The dmp had been running successfully for a year or so, you would think that they would have those details to hand.

Thanks tr03bor will do.

Hi I just wanted to say that the information I have found on this site has given me the confidence to challenge these DCA's rather than just taking whatever they threw at me. My debts are a result of me trying to start my own business, but due to health reasons I had to cease trading. I had managed to get onto a dmp with cccs which was going ok until I had to stop working. Anyway I am using the advice I found on this site to defend 2 court claims which I would never had thought was possible to do, as this was my debt and my responsibility and in all honesty was too embarrassed to do anything about it. Well I guess that is how these dca's make you feel and it is their interests to do so. Anyway I just recently received a letter from Moorcroft, I would have probably thrown it away had it not been for this site, I just wanted to share it with you as I find it quite unbelievable. This is what it says; Dear Kitchenboy Re: EGG Banking At the request of our Auditors, we would like to agree the balance as shown in your payment book with that as shown in our records. We would therefore ask you to return this letter stating the current balance together with the date and amount of your last three payments. Thank you in anticipation for your help in this matter, which will be to our mutual benefit. Yours sincerely, Needless to say they will be receiving a cca but I just wanted to ask if a)Is this a belated christmas present and b)How do you respond to this complete and utter incompetence? Any advice will be greatly appreciated.

Hi This is my first post and I just wanted to say that this website is turning out to be a bit of a lifesaver, I just wish I knew of it months ago. Anyway I just wanted to ask about my company's outstanding gas bill with E.ON, basically what has happened is that I was forced to cease trading due to ill health, this was on the 17/11/07. Unfortunately it has taken up until yesterday to have the sale of the lease completed. This had to be done at a loss and as a result the company has no assets and is technically insolvent. However in this time E.ON has started the process to apply for a warrant to cut off the gas. So my question is can they still obtain the warrant to enter the property to cut the gas off thus causing tremendous upset to the new business who aren't responsible for the debt and are now the legal occupiers of the property? I did speak to E.ON today on behalf of the new occupiers to try and see where they stand in all this and was told by a very unhelpful lady that the debt needs to be paid off in full before any new account will be opened, otherwise the gas will be cut off. Surely this can't be right as the debt doesn't belong to the new owners and any action must be against my company? Any advice I could pass on would be much appreciated.