Hi Paul, Thanks for the reply. I have just e-mailed them with a hard copy due to be posted tonight. I have sent them another 'failed to respond' letter and have inserted the dates back to 28th September 2008. I have informed them that they only sent a copy of a application form which is not a legal document therefor the origional fee I paid.. £1.00 still stands until my request is satisfied. I think they have found out that I have moved, and are just chanceing that the letter would not reach me, therefore a judgement would be granted to them. but I have had my post re-directed. The new owners of the house do not know where I live. I never heard from sheds again and I guess, if they want to start it over again, then unless the law has changed, I'll use all the previous letters.

Hi all... Nationwide are at it again. They have sent me a letter stating they are taking me to court again. I have moved address so this has been forwared to me. Should I just start the whole process again? Should I give them my new address?

Thank you for the form.. I have none of the documents only a few letters and the court papers they sent me.. I dont have the agreement as they have not sent me one.. what do I put in the boxes please. This looks like the same form that they have completed.

Thank you martin

Hi all... sorry for no reply.. TSB got the charging order on the property.. this was because I simply could no fight everyone and my ex-partner is getting nastier all the time. Can only hope it will be all over soon. Thanks for your help on this one, sorry I have let you all down

Hi... I am being taken to court by the TSB for a loan I took out many years ago. I have done the cca request and now have had the following sent to me.. I am totally lost as to what to do now.. I only have 2 days to reply, luckly the courts are in my town only a few mins away.. can anyone help me with a reply? http://i748.photobucket.com/albums/xx125/1littleduck/t5.jpg http://i748.photobucket.com/albums/xx125/1littleduck/t4.jpg http://i748.photobucket.com/albums/xx125/1littleduck/t3.jpg http://i748.photobucket.com/albums/xx125/1littleduck/t2.jpg http://i748.photobucket.com/albums/xx125/1littleduck/t1.jpg

Hi all... I believe the loan was first taken out at the bank sometime in 2001, then it was topped up on line in 2005/6 not quite sure of the dates.. I will read the thread and set started on the set aside... thank you all.

Sorry... a set aside If there is no signature, can they still get the charging order?

Hi... My signature is not on any of the paperwork, and the house is in joint names, but we were not married. How would I put in a stay... do I write to the court where it has now been transferred to...I'm just not sure how to do all this

Hi all.. sorry its taken so long to get back to you.... My ex had the phones cut and the net... have just got the phone back on. I have spoken to lloyds and they say I need to rais £8200 as a settlement... They are not going to put a repossession order on the house, but will prevent me selling until the debt has been paid. I suggested that they have a letter from my solicitor stating they will clear the debt as soon as the house is sold from my equity... and they have asked me to send them a personal financial statement... I have already sent one to the court, which lloyds say they have not received.. I dont know how to put a stay on the case due to the lack of a signed agreement.. but would appreciate some help with my defence, which I have to get sorted quite quickly... I still have no internet, and have to use a friends until my daughter can sort something out for me.

I cannot raise any funds to offer them, but they have said I could make a reduced amount in settlement.. I will know more tomorrow when I talk to them and explain what my ex partner has been doing to me... I have found they very nice in the p[ast so hopefully they will help me out on this... Will let you all know tomorrow night. I an not in ill health.. just unemployed..

This was a personal lone, origionally taken out at the bank, but topped up online.... They have not given me anything that has my signature on at all.

I can fone them tomorrow, as my new fone will be on again. until then. I cant tell you anymore

Hi all... I will try and get the information... I have had big problems, as my ex partner cut my fone odd and my internet.. so using a friends... I will try and sort the information as soon as possible

Hi... I have just posted it up on the forum.. http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/252701-lloydstsb-want-charging-order.html#post2838974 alot of links to photos I'm afraid, but I guess too much information is better than not enough... and possibly may also help anyone in the same possition. I would be grateful for any help with this as it is a charging order on my house.