ok the agreement was attached to the court papers - it shows the APR as 2,100%, Interest is charged at the rate of 30% per month or part thereof and applied to the balance outstanding each month on the date of this agreement.

I have also just noticed that no. 6 on their particulars of the claim says "the claimant believes that the Defendant has not intention of repaying the debt"! They clearly have no idea that I have been paying by standing order!

I have received a "response pack" to which I have acknowledged and I also have an admission form to complete with asks for personal details, income and outgoing etc,. which I have completed. Also a Defence and Counterclaim form to fill in if I am disputing all or part of the claim. Thanks for your help

No it says on the MCOL website that the password comes with the claim forms Ok the particulars of the claim are: £150 being the sum borrrowed £945 being interest up to the date of this claim at a rate of 30% per month £182 being the charges incurred for failure to pay - which is rubbish as I have been paying by standing order! Less £167 paid Further interest at a rate of 8% per annum as per section 69 of the County Court Act 1984 at a daily rate of £0.24 Costs Total - £1100 Is this what you are after?

Hi have registered online but it is asking for a Claim Pack password which I do not have?

Hi thanks for your email. I received the court summons along with the relevant paperwork and rang the courts (it is already in my local court) and asked them what I needed to do. he said to first acknowledge the claim which I already have done. I can do this online too - where do I need to log onto to do that? Is the local court website or hmcs or something? What information did you want me to put up on here? Am really grateful for your help as I have been paying them so god knows why they have decided to do this. Thanks alot Jo

Hi I am just looking for some advice please to make sure I doing/writing the right thing regarding my defence. In August 2010 I had an agreement with Cash Genie of a settlement figure of £250 providing I kept making payments. Please bear in mind that NO specific amount was agreed. I have been having continuing arguments them with countless emails which are clearly automated and when I reply I get some jump start threatening me with legal action. I told them I was paying this back and that I would be willing to tell the court about their extortionate charges. Next thing I received a Default Notice! Can they do that when I am making payments? This currently doesnt show up on my Credit File. It was a Notice for the charges they have made regarding the letters/phone calls etc., and not actually a Default Notice for the original sum borrowed. Just before May bank holiday I received a Court summons saying they are tring to get some £1100 out of me! £945 of this is charges! I have written to the Court and acknowedeged the paperwork and have told them that I am admitting to £250 of the claim ONLY and that I will be defending the remainder. I have printed off my bank statement since August 2010 and this clearly shows payments being made to Cash Genie. I have also found the email that confirms there is an agreement to pay £250 back to them. I will obviously be sending them copies of these letters to the Court tomorrow (Monday) recorded delivery to show them that an agreement has been put in place and that I am continuing to make payments. My questions are this: 1. Do I need to send a copy of my reply to the Court to Cash Genie so that they know what I have replied back with? 2. Do Cash Genie have any fight for me to pay back the excessive interest rate charges when an agreement has been put in place - surely they have now gone back on their agreement? 3. Do I need to send a formal letter to the Court or can I just send the paperwork of the email and the bank statement showing that payments are being made? 4. Am I likely to receive a Default Notice against my credit file for this or can they not do this as I have been sticking to making payments? Any advice would be greatly appreciated as I need to get on and send this back to the Courts this week. Many thanks in advance.

Hi Jimbo, no the Default just shows at my current address on my credit file. Its dated Feb 2005 so assume this will come off in Feb 2011 anyway?

@miss muppetHiya, thanks for your reply. To be honest I cannot remember the last time I paid any monies to this account as it doesnt show on my credit file, it only shows the Default stamped in March 2005, which by my reckoning next year will disappear. I am assuming that I am around the 6 year mark for them to have issued a Default in approx 6 months time so would say around 2004 the last payment was made, but as I say I do not know this without delving into this much deeper. Yes I asked for the CCA the last time they chased me and surprisingly enough they didnt have one. If I recall they referred the account back to Kays and I didnt hear anything until recently. I would need to trawl through the file for exact clarification though. I certainly have never received a written Default Notice from Robbersway and I am not 100% sure I ever received one from Kays. Is there a letter or anything I can send them? Perhaps a SB letter to see what would then happen maybe or shall I just send another do not acknowledge letter? Thanks @harrassed senior Hi thanks for your reply. I would need to look into this further to find out when the last payment was made, but I "think" I have either just passed or am about to pass the 6 years when no payment or acknowledgement to this debt has been made Can I assume this Default, even though its over 5 years ago, will have an effect on my file? The Default was placed on my account in March 2005 and has only recently been put on my credit report so will go in March 2011 I take it? Its RW that has put the Default on my credit file not Kays, does this make a difference? Thanks

Approx 8 years ago I had an account with Kays Catalogue. I managed to get rid of Robinson Way about 2 years ago and they have started up again. I have sent them the DO NOT ACKNOWLEDGE letter and they just ignore it and keep sending the same letter to me. I have since found out that I defaulted on this account in 2005 and they have placed a Default on my credit file at my current address, given that I never lived at this address in 2005 can they do this? How do I go about getting this removed as the debt is well over 6 years old and SB Thanks

Hi there, thanks ever so for all your replies, for some reason I received no notification of these and it was by chance I decided to take 5 mins out to see the updates. Ok so my first port of call is the SB letter is it to see what they say about that? I guess I could go down the Courts road and get the CCJ removed off my credit file and start the process there? The DCA that originally dealt with these was called Cabot and they NEVER supplied ANY CCA for the 4 debts they have lumped together as one CCJ and is this old CO in question. What happens if I send them the SB letter and they come back and say its not? Do I ask them to provide the agreements? Thanks

Back in 2005 a charging order was placed on my property for approx £14K this was a combination of debts and was initially a CCJ (for about 4 debts). Any how, as I was not aware of this fab site I didnt defend the claim and allowed the charging order to be placed on my property. I have since moved from this property as I went through a very bad period and my house was repossessed I have received the odd letter from Rockwell Collections trying to get money out of me but I just sent them the do not acknowledge template as, not only was this CCJ placed on my property in 2005, I believe that these debts are also statute barred. I also believe that possibly 1 or 2 of these debts were SB when the CCJ was placed on my property. Today I have received a letter from some Solicitors stating that they have received my do not acknowledge letter which has been forwarded to them by Rockwell and that the debt relates to (see above). They want me to cough up the money. Now I remember writing to a DCA and I cannot for the life of me remember their name, asking for various copies of CCAs which funnily enough I never ever received. I wanted these as I was going to apply to get the CCJ removed from my credit file. Now obviously I need to reply to this letter, do I ask for the CCA agreements given I have never received them and I don't think they exist and they went ahead with the CCJ or do I write back to them and tell them the debts are SB? Any help greatly appreciated as these are around 6-8 years old and looking at my credit file no payment has been made for around 7 years! Thanks

Thanks rebel1 DCA will be getting one of these trying to chase a debt 8 years OLD!!!

I can access them I jjust cannot find what i am looknig for

Please can someone load up the template for a do not acknowledge debt, seem to be having a blonde moment and not able to find it, many thanks

Approx 2 years ago I received a letter from Cabot chasing a Barclay card debt. I wrote to them asking for a copy of the CCA to which I never received and just had "holding" letters saying they were looking into this. Now some 2 years later I have received a letter from them saying... As there is a CCJ back in Sept 2006 this debt is not subject to a CCA request etc etc etc. Now am I on the understanding that you have to have a CCA to issue a CCJ? I know that when I had a CCJ removed once before my argument was that they hadnt complied within the 14 days to provide a CCA and nor did I ever actually receive it after this date. The letter was dated end of July and I have just returned from holiday and they have given me 14 days to reply which is now up today so any help would be greatly appreciated. Thanks

I took out a CG loan back in July 2009. I have since been paying it off at X amount per week but they tell me this isnt enough. The original loan was for £150. This is their breakdown which I have received today: Your loan is broken down into the following- Sorry all my text disappeared! Your loan is broken down into the following- Original loan - £150 Interest added since July 09 £540 Late Payment £15 Letters sent £72 Debt Recover Fee £50 TOTAL £827 They are chasing for payment and have asked for me to submit a statement of means etc., way of paying this all back. Is there anything I can do about this or have I got to pay it? They sent me the CCA but its a typed up word document that anyone could amend! PS: I have not received a default notice nor is there any information currently being held on my credit file. Thanks for your help in advance. PPS: sorry some urgent assistance would help as I am off on hols on Thurs and would like to get this sorted before I go, many thanks

I am in the same position, have Carter Forbes chasing me now so will read with interest on this thread - oh and good luck

Thanks for your reply. I have not checked Call Credit, no, but I have raised this as a query with Equifax, but they take weeks to get back to you online, so I will wait to see what they say.

I am a current Virgin Media customer, with internet and my son's mobile phone. I had an update email from Equifax saying I had a new credit agreement added to my credit file. I was very surprised to see that it was a Telewest account opened at an address I lived at some 13 years ago!!!! It showed the start date as March 1997 with a balance of £137.00 I telephoned Virgin and they had nothing registered at this address (I gave them the postcode and flat number). This address is now linked to me on my credit file. They kept me on hold for sometime and eventually came back to me saying that it was an outstanding debt and had I paid it. I wasn't aware of a debt at this address, nor would I even remember 13 years ago whether this was paid or not!!! Can they do this? Surely the debt is SB anyway? I have had no correspondence from them at all about this alleged debt? Thanks

Hi Thanks for the info, I am not sure what to do next as Crap One won't talk to me as I relayed my complaint to the FOS. Good luck with getting your money from them. Can someone help please? Thanks

After months and months of chasing the FOS, I finally received a letter from them after they had chased Crap One! In short, they will NOT accept my offer of the monies due, they will however, settle the balance on the account which is around £300. FOS say I didnt keep up with the repayment plan, well that was because the monies owed were made up of charges! Crap One will however NOT remove the Default Notice which I never even received in the first place! I do not have the facility here to upload the letter, but I can take photos of it tonight omitting my details if this helps? Next steps would be greatly appreciated, thanks alot

Thanks. I have certainly not received any letters from these guys, just the two text messages to my mobile and landline. I have emailed them to ask what it is about and explained "I KNOW NOTHING" so will see what they reply with. I just wanted to check that these sort of people do not come looking for me and banging on the door!

Hi Sorry about that, the website hung and and I pressed submit so it must have appeared twice ooopps

I had a text yesterday (on bank holiday of all days!) saying that I had an outstanding debt and they quoted a reference number. I did a bit of searching and a lot of people say Philips Collection Services chase outstanding fines. Anyway I know I have no outstanding fines so have gone onto their website and inputted my surname, reference number that they gave me and postcode. It says that I have an OUSTANDING LOAN of £294. I have no idea who or what this is, and can only assume that this for a pay day loan that I am currently paying off or have yet to pay off. Has anyone had any dealings with these and should I do anything? Thanks