Have done CPR request 23 days ago, nothing in post today.CPR request includes signed CCA. In last letter from Turnbull stated they were applying to OC for copy of CCA (they have started legal proceedings against me and have not yet got copy of CCA).

Data Protection Act 1998 - Subject Access Request Please supply me with all of the personal data that you hold to which I am entitled under the Data Protection Act 1998. In particular, I require a complete list of transactions and charges relating to my entire history with your organisation including, but not limited to, the following : a). A full transcript of all transactions, including charges, fees, interest, repayments, payments and, both the original amount of the Card Account, and all balances on the account since the Card account was first taken out, up until today. b). Full transcripts of all telephone conversations and any notes made in relation to telephone conversations by your company, or by any company who you claim to represent, or who is representing you. c). Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention. d). True copies of any Notice of Assignment and/or Default Notice that may have been sent to me, including documentary proof of delivery. e).Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable). f). Details of any collection charges added to the account since it was first opened; specifically, the date they were levied, the amounts, a detailed financial breakdown of how these charges were calculated, and what the charges covered. g). Specific details of any fees/charges levied by any other company/agency in respect of this account and a detailed breakdown of these fees/charges, what each charge relates to and on what dates these fees/charges were levied. h). A genuine copy of any Deed of Assignment, or other documentary evidence (equitable or absolute), either issued or received, that gave a third party company the legal authority to pursue this matter. i). A complete list of third party agencies to whom you may have disclosed my personal data over the years, together with a summary of the nature of the information you have disclosed. j). Documentary evidence of the County Court Judgement, including the balance upon Judgement and any documentation relating to the application of post-Judgement interest. k). A copy of your Complaints Procedure. l). Clarification of the date when any third party company acquired the alleged balance on this account, what organisation they acquired it from, their registered office, their company number (if any) and what legal title they had at the time that the alleged debt was assigned. Under the Data Protection Act 1998, I require this information to be furnished within the next forty days. I enclose the statutory maximum fee of £10. Yours faithfully,

I,ve got no money If nothing in the post today will be informing court of the situation. Superman sorry for hijacking your thread as i have my own on Legal issues forum wil be updating later.

A letter of assignment has been provided to the defendant previously. Did you receive any default notice or notice of assignment from Barclaycard? If you do receive one in the near future check the postcode on the envelope if its postcoded SW19 its been sent by Turnbull/HFO and a forgery like the one I received. Have you sent SAR letter to barclaycard yet? Brokenarrow

Hi superman I am in same position as yourself with HFO/Turnbulls my POC exactly the same as yours( different credit card company). I requested CPR 18 disclosure 23 days ago all I have received is a forged notice of assignment and a letter stating they are trying to obtain info from OC. Phone the court (is it Northampton) and find out when your defence has to be in as HFO like to win by default. I have now submitted my defence stating Turnbulls have ignored by CPR18 request making it difficult to make a defence and that I never received a Notice of assignment from OC. Hope this helps and good luck. Please read Tomterms sticky in the legal isues forum on litigation. All the best Brokenarrow

Have requested CPR 18 disclosure 18 days ago nothing as yet , only document received what looks like a false notice of assignment.

Hi Rosie A Moderator wil probally now move you to the legal issues forum, i am to going thru same with HFO/turnballs, if you luck on the stickies on legal issues there is some excellent info posted by Tomtern8 on litigation. all the best broken arrow

Posted to early have just received letter in the post from Turnbulls acknowledging receipt of my defence and stating they would like to me to phone them and resolve this matter. They state they have also requested documentation from OC as well the deed of assignment ( should they not have this allready) and a copy of the signed CCA. same stamping info and postcode as letter morgan stanley sent Notice of assignmet in (must be working out the same office?

Now 18 days still nothing from Tunbulls/HFO regarding my CPR 18 letter, requested info within 14 days.Should I now send a letter to the court informing them of this matter.

My defence is now submited, no response as of yet to my CPR letter and no response from Morgan Stanley for SAR.

yes on the 20/5/08 by recorded delivery no reply as yet.

POC The Claimant HFO Capital Limited is a debt purchase company. The Claim is for monies due under a regulated interest bearing credit agreement.The assignee HFO Capital Limited purchased the defendants account and all rights and obligations attaching therto from the original lender on **/**/****. The original lender was Morgan stanley/Goldf a letter of assignment has been provided to the defendant previously. the claiment also claims interest theron pusuant toS.69 of the county court act 1984 at the rate of 8.00% up to the date of of ( their typo not mine) judgement or earlier payment in full at the rate of 1.23 per day. Contractual interest was accruing on this debt prior to issue and will continue to acrue at the rate of 12% after judgment.

Am i right in saying that they should have issued notice before they started court proceedings and can any of this be used in my defence.

Should i contact Morgan stanley to see if they are aware of this letter.

No just standard post.

Have today finally recieved a notice of assignment today from Morgan Stanley informing me they have sold the debt to HFO from May last year. very suspicous as i believe the letter is from HFO as postcode on envelope SW19 same as them and letter signed Morgan Stanley bank international limited.

I have now filed acknowledgment of service, how long before i have to submit my defence. I have requested information they hold on me in order to file a defence do I need to send a seperate request for copy of the Credit agreement.

Apologies for my legal ignorance, reading the claim form again it states it as a letter of assignment, which i have never received. HFO bought debt off Morgan stanley last year. Morgan stanley would not take any payments after i moved house 2 years ago as i could not change my address . i was making payments upto this point via internet acount but as i had destroyed card so not to use.To change details on line needed info off card I phoned them to give same info but same answer told to inform them in writing which I did.Did not here from them again they closed internet account so defaulted on payments.started to recieve cards through door of Firstdiect logistics saying they had a delivery for me.then recieved letters off their solicitors staing they would apply for charging order on property. recieved court claim form today.

If i have not recieved deed of asignment can they still take this to court.

Have today recieved court claim form from HFO/ Turnbulls for Northampton CC.On the claim form it states I had been issued with Deed of assignment which I have not.please advise on action to be taken.

OFT informed, still no phone calls as yet.

thanx for info so far will inform OFT regarding firstdirect cards not had any calls as yet from HFO/firstdirect/turnbull but not worried as i wont be bullied. The only way I will pay any money to these people is if they take me to court and they win. Would be prepared to pay off debt with original creditor at the amount at the time of default £2000 pound added in costs and interest as of last letter of Turnbull. (The original amount £4500 when they would not accept any payments and closed my internet account which I always used to pay my bill). I did not think they could get a charging order without CCJ ing me first as far as I am aware no CCJ. Was never informed by Morgan Stanley that they had sold the debt but then they would never accept my new address( informed them 3 times 2 verbal over phone 1 letter which was last correspondence)

Credit card default from 2 years ago, changed address company would not accept new address as i had chopped up card as not to use,unable to make payments.Could not change address without card details.

Received second card from these today previous one in December. I ignored first one as it seemed dodgy and when searched on this site found out what it was. unfortunately was out and partner rang back and left message .not received any phone calls as yet. In between these cards have had 3 letters from turbull their solicitors threatening with a charging order on property. please advice next course of action.