Bloody fantastic stuff there pkelly, especially that part about interest rates as I am looking for something similar to that with my own stuff. Thanks a million

Very sad to hear about your brother in law indi, my condolences. This is the last thing I am sure that would be on your mind. Does anyone think that maybe indi should be allowed more time with this case as she has had a close bereavement in the family? Very very sad for you indi

I agree 100% andrew, and no that some people or some companies would rather cut off their nose to spite their face. About time the shoe was on the other foot............these companies have been driven by greed and words will never be able to describe the suffering that so many have gone through and still are. Trying to get any sense, truth, honesty information and even what your rights are from these companies is like trying to raise the dead..... You are correct that truth and justice always catch up in the end as we reap what we sow as Swift and many other creditors/lenders are facing today with so many being issued with fines from the FSA & OFT. Wishing you, sparkie and all those who have/are suffered by this company the very best of luck and hope that soon this will all be over and everyone can concentrate on trying to re-build their lives to some kind of normality that once was enjoyed. I am more than certain that there is much more to come from all of this, and things will not be as cut and dried no matter how swift try and make out. Sparkie was right then, there was a pot of gold at the end of the rainbow and santa is real LOL!!!!!!!!!!! Good luck to each and all xxxxxxxxxxxxxxxxxxxxxxxxxxxx

No probs honey it happens to the best of us. If you need anymore help please ask and I will help as much as I can.

When you receive a claim from the court I thought you were suppose to send the AOS first then fill out your intentions on how you want to proceed? When did you receive the claim form, sorry have not read it please remind me

Hi honey, not too sure but is there not a counterclaim form that came with the N1 from the court? I think this one http://www.hmcourts-service.gov.uk/news/forms/docs/n9b_0406.pdf There is a section in there to what you admit you believe you owe and what part you don't..........hope that makes sense and is of some help honey.

Yes andrew, hope your doing well and a big and another :whoo:to you and our electrician, finally a breakthrough . Wonder which big lender will be next on the list to get a wolloping because if it is my one well that I did not take as a compliment when I requested some info from them to which they replied "WE OPERATE SIMILAR TO SWIFT" and after seeing all that info about swift above I should be panicking even more than I am, which trust me don't take me long LOL. LOL, what a bunch of jokers hey

fantastic vic, great news and good the judge set aside your case well done

Well for anyone who ever doubted sparkie after reading the above info by pkelly, now how do you feel???????????????????????????

OOOOH missed this thread, well done spamheed for a great result and no doubt help from PT and andrew and anyone else who gave such great input to you. Congrats to all of you xxxxxx

Hi Jim what have you prepared for in a way of a defence?

you don't understand BD well after reading this whole thread my mind has gone more emptier than before LOL Anyway indi is lucky to have you & DD, she has her own Sherlock & Watson on the case and I wish you all success. Im off now to go and post some more confusing posts LOL!

I wonder if the Claimants superiors are aware of this court action issued by the Claimant? may not be of any relevance but just a thought that if they did not then maybe indi could write and tell them what one of their people are doing.

£1500 for just the hearing, what were they using to write with gold plated pens?

Is this a small claims case? maybe this is helpful Docman http://www.lawsociety.org.uk/choosingandusing/payingforservices.law

Well DG have advised me to agree to pay all of the debt, plus costs and interests and after I have they STILL will proceed to get a judgment against me. If I do not consent to their terms they will apply for summary judgment, maybe some one wrote this letter from their rear too?

Thanks andy, well if you saw what they wrote on my consent form it would not be very nice.

Hi honey and andy, well I don't know if honey got a letter from DG asking t o sign a consent form? as I did.

Hi honey yes it is true that DG can apply to lift the stay anytime but they cannot issue a CCJ against you without you knowing. There is a procedure which they have to follow and you must be informed of this before they do this. To get a CCJ against they could try to apply for a summary judgment........ they have to comply with their duties under the Civil Procedure Rules in order to ensure the overriding objectives thereof are being met by both parties in these proceedings in respect of their intentions to make an application to the court to lift the stay, If an application is made for summary judgment then the applicant [HSBC] must serve a copy of their Application Notice-N244 upon the Respondent [You] along with a copy of their Witness Statement and copies of any documents files in support of their said Application. If you wish to oppose any Summary Judgment, then you must file a copy of your defence to the said app (the defence is to be in the form of YOUR Witness Statement which should contain your legal or valid reasons why the claimant's app for SJ should not be permitted to succeed, you must also file copies of any documents/exhibits that you intend to rely upon in your opposition to the SJ. You must file your Witness Statement and exhibits to court at least 7 working days before any Hearing date and also serve copies of the same upon the claimant's Solicitors, again at least 7 working days before the hearing date. The claimant can respond to your Witness Statement within 3 days of the Hearing date. Service of documents - Monday to Friday only (these are working/business days), you cannot serve any documents upon the claimant (or his Solicitors) via email, UNLESS you have his or their consent to service by this method, Facsimile service is accepted as long as there is a fax number stated/quoted on any correspondence from the Solicitors. I was given this great advice from a great cagger, and hope it is some help and re-assurance to you. So don't worry too much.

Wish you all the best and good luck Dougal16T

Hi vic synex hope you find the info below helpful http://www.aboutsmallclaims.co.uk/set-aside-default-court-judgment.html http://www.insolvencyhelpline.co.uk/debt_factsheets/how_to_set_aside_a_judgment_in_the_county_court.php http://www.compactlaw.co.uk/free-legal-information/small-claims-court/setting-aside-judgment.html http://www.oup.com/uk/booksites/content/9780199207213/ch_20

This can't be true can it that a bank has been treating customers badly, what a fine glad mine is only small claims..........for now that is:jaw: http://www.fsa.gov.uk/pages/Library/Communication/PR/2011/003.shtml The FSA’s investigation also found that: the banks did not give complaint handling staff adequate training and guidance on how to properly investigate a complaint; the monitoring of complaint handling in branches and the management information produced was ineffective in assessing whether customers were being treated fairly; and the banks failed to ensure that complaint handlers properly reviewed complaints taking account of all relevant factors. Margaret Cole, the FSA’s managing director of enforcement and financial crime said: “We expect firms to treat customers fairly and that consumers can be confident that their complaints will be dealt with properly. The failure of these two high street banks to deal adequately with complaints put consumers at unacceptable risk and the fine of £2.8m reflects this.

Have you tried this site, looks like there are many unhappy FP customers http://www.firstpluscomplaints.co.uk/

Try using photobucket create an account and you can use that to upload your stuff on there.

Excellent and congratulations Chris I bet that is a load of unnecessary stress off your mind. Well done & what a great result