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.

http://i748.photobucket.com/albums/xx125/1littleduck/tl3.jpg http://i748.photobucket.com/albums/xx125/1littleduck/tl4.jpg http://i748.photobucket.com/albums/xx125/1littleduck/Tl5.jpg http://i748.photobucket.com/albums/xx125/1littleduck/Tl6.jpg http://i748.photobucket.com/albums/xx125/1littleduck/Tl7.jpg http://i748.photobucket.com/albums/xx125/1littleduck/Ts1.jpg http://i748.photobucket.com/albums/xx125/1littleduck/Tcp1.jpg http://i748.photobucket.com/albums/xx125/1littleduck/tcp2.jpg http://i748.photobucket.com/albums/xx125/1littleduck/Tcp3.jpg http://i748.photobucket.com/albums/xx125/1littleduck/Tcp4.jpg http://i748.photobucket.com/albums/xx125/1littleduck/Tca1-1.jpg http://i748.photobucket.com/albums/xx125/1littleduck/Tca2.jpg http://i748.photobucket.com/albums/xx125/1littleduck/Tca3.jpg http://i748.photobucket.com/albums/xx125/1littleduck/Tca4.jpg http://i748.photobucket.com/albums/xx125/1littleduck/Tca5.jpg http://i748.photobucket.com/albums/xx125/1littleduck/Tca6.jpg http://i748.photobucket.com/albums/xx125/1littleduck/Tca7.jpg http://i748.photobucket.com/albums/xx125/1littleduck/tsb2.jpg http://i748.photobucket.com/albums/xx125/1littleduck/tsb3.jpg http://i748.photobucket.com/albums/xx125/1littleduck/Tsb.jpg Not to sure if I have missed any.. such alot of information.

Hi all…. Big problems…. LloydsTBS are after a charging order on my house now. I have given links for all the paperwork.. I have not fought the CCJ as I didn’t quite know where I stood with a personal loan… but I can’t see how they can turn a unsecured loan into a secured one…. Can anyone please help. I have to send any objection into the court before 12th April… and I really have not a clue as to what I should be saying. http://i748.photobucket.com/albums/xx125/1littleduck/To1.jpg http://i748.photobucket.com/albums/xx125/1littleduck/to10.jpg http://i748.photobucket.com/albums/xx125/1littleduck/To2.jpg http://i748.photobucket.com/albums/xx125/1littleduck/To3.jpg http://i748.photobucket.com/albums/xx125/1littleduck/To4.jpg http://i748.photobucket.com/albums/xx125/1littleduck/to5.jpg http://i748.photobucket.com/albums/xx125/1littleduck/To6.jpg http://i748.photobucket.com/albums/xx125/1littleduck/To7.jpg http://i748.photobucket.com/albums/xx125/1littleduck/To8.jpg http://i748.photobucket.com/albums/xx125/1littleduck/To9.jpg http://i748.photobucket.com/albums/xx125/1littleduck/Tl1.jpg http://i748.photobucket.com/albums/xx125/1littleduck/Tl2.jpg

Hi all.. Thank you for your response. my defence, although I have kept it very short as due to the lack of any agreement, I feel that there is nothing the courts can do anyway. I have only used the N/W to part 13 I have added to the bottom, that I respectfully ask the court to allow me to change my defence should Lloydstsb produce a signed agreement or even a copy of such. I have sent the CPR request off… so only time will tell. I cannot upload it as I am using a dongle, as he has cut my internet and fone line.. The balance on this account is very high.. over 11K, but I have lost my job some 18 months ago..also my house is up for sale due to the end of the relationship from a man who conned me out of everything… so I am having to fight everyone to survive… I have another problem with TSB…on another thread, which I started awhile ago, hopefully someone can help me with this… They have managed to obtain a CCJ and are now trying to attached this to my property. It was for a personal loan, and I didn’t know where I stood on it. Again.. I have not received a signed copy of any agreement.

The rest of the letter they sent in responce to my CCA request was simply the current t&c and a signed statement.

Hi all.. Another one taking me to court. Lloydstsb.. I have attached their responce to my CCA request, and todate, although they have issued court procedings against me, they still have not supplied a copy of my agreement. Could anyone please tell me if they still have to supply...not eith the origional but at least a copy of it. http://i748.photobucket.com/albums/xx125/1littleduck/tsb3.jpg http://i748.photobucket.com/albums/xx125/1littleduck/tsb2.jpg http://i748.photobucket.com/albums/xx125/1littleduck/Tsb.jpg I have until the 24th March to put in my defence.. I was going to use the one I sent to the nationwide, but make a few alterations.. can anyone advise me if this is the right thing to do. http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/161804-nationwide-taking-court-action-3.html I have quite a few default notices from them, but without the agreement are they needed?

Hi all.. Still have not had anything from the courts. No news is good news tho.

Hi all.. Just a quick update.... Nothing at all to report.. Nothing from eversheds or the nationwide..

wow... thanks all... I will do the letter for wasted costs after I have received the letter from the courts confirming this is discontinued. I have read through the thread Sharpman v nationwide and have noticed my discontinue notice is straight forward.. no threats of pursuing it through another means.. so I guess, as far as the HFC goes, it is really closed. Once I have the letter from the courts, I will post it up, and then send in my clain for costs. Thank you all once again.

Thank you Pedross and everyone who helped me in this fight. I'm glad I have posted up all the correspondence, so anyone else can see all the steps taken and hopefully win their own. This is only 1 of many, but it does give me hope for more victories. Thanks to all again. x

Thanks for you reply.. How long would I have to keep it for... Does this mean that the bank will not try to take me to court again?