Good Luck Pstanf don't be nervous your get through this. Gaz

Mightyacorn here's my link http://www.consumeractiongroup.co.uk/forum/dca-legal-successes/162249-mbna-cca-agreement-help-34.html Gaz

Hi Mightyacorn In my case CL Finance/Howard Cohen never submitted there AQ's. They was also given extra time to submit as well. When they never submitted, the case was struck out. I wrote to the Courts asking the Judge, if i could submit wasted costs for the case. I received a reply granting me my wasted costs and a hearing. The reason i went this way, you don't have to pay any Court fees for submitting the wasted costs. The only thing i never put onmy costs was for parking and petrol cost for attending the Court. If you look at my thread your see a breakdown of the costs, but i would add £20 for parking a travel costs as well. Gaz

Thanks Elsa i'll get a letter off to them today. Gaz

Subbing with interest Gaz

Hi All Forgot to mention the other day, when i received the letter the other day from wescot. Stating that there client was willing to offer me a 25% discount on the alledged account. I also received a demand letter from Wescot as well. demanding that i pay the full amount by the 2nd March and make the cheque out to Wescot. I also received a statement letter from Halifax showing the full amount and asking the full amount by the 12th March and to make the cheque out to HBOS. Now what do you think of that, both companies asking for the full amount?. Do these companies think i'm made of money . Gaz

Brilliant result you had there Ghostdept, Congratulations. Gaz

Hi Dotty If you look on all your agreements/application forms they send you. They all tell you to sign the agreement as set out by the Consumer credit act. But it is funny that your find hardly any creditors sign the forms, hence there not aggreing with the act. If your sending your letter to a DCA, make sure you add those two lines in as there do work and they soon go away. Gaz

Your Joking 40% lol. No received a letter from Wescot saying my client would offer me a wopping 25% dicount on the eledged dept . Which they will be getting my reply very shortly. Gaz

Hi Sunflower £50 quid blimey your loaded lol. In the s78 letter your going to send them, just add a couple of things. Not only ask for a copy off the original agreement also ask for a copy of the deed of asignment and a copy of the notice of asignment. That seems to work when sending them requests. Gaz

Hi CB Thanks, i'll have a word with questioner later. Gaz

Hi Sunflower Yes, affraid is one off the inhouse companies they use. But very easy to get rid off . Gaz

Hi All Just a quick update, As you all know Robinson Way caved in and sent my alledged account back to Halifax. Received a letter yesterday from our old friends Wescot, we i say there friends as there demanding money from me again:mad:. When will these people ever learn, looks like another letter's on it's way to Wescot. Gaz

Hi Zazen I quiet understand about the judges lottery, as i can't still understand my two cases against Howard Cohen. One case i was awarded peanuts, the other i was awarded what i was asking for. This was from the same Judge sitting at both cases:eek:. Didn't it state on you original Courts order about Howard Cohen producing the original agreement on the day. Gaz

Hi Zazen Sorry to hear you lost your case against Howard Cohen. But would also like to know how they ever won there case. Gaz

Blimey DD what was you doing in the middle of the night to make you click on this . Yes, you got a point on this, also they was easy to accept a £1 in my case. Which is pretty strange to say coming from Capital 1. Gaz

Hi Sunflower Better keep this thread going:D. Gaz

Hi DD Well, at the moment i'm still paying the £1 token payment each month for that account. As my account was taken out a month late after the amendments. Gaz

Hi DD Take a look at my thread http://www.consumeractiongroup.co.uk/forum/general-debt-issues/164084-gazza112-capital-1-bank-6.html Post 104. Don't know weather that will be any good for you. Gaz

Hi DD Got one from June 2006 if that's any good. Gaz

Hi Vjohn It's all laid out in post 629 Gaz

Hi GG Can't put extra costs on, as the dam B.....gers sen't the cheque today:-o. So can't bring in the bailiffs now !!!!!!!!!!!!!. Gaz

Hi Littlebert That was a bit off Luck, well done. Just to let you know, received a nice juicy cheque from Howard Cohen today. Gaz

Hi Guzzleguts Looks like the norm for this company not paying. Can you add some extra costs on the claim, if you go down the bailiffs route. Or do you have to take out a summons?. Gaz

Hi Littlebert Sorry to hear that, just hope the judge chucks the case out for you. Gaz