Hi many thanks for your reply very much appreciated!!

"The SB clock starts ticking from the cause of action so for example on a credit card it may be over a month after the last payment was made ..." good to know that !!!

"If there are any Authorities that you require please give me a shout." yes how to search for them or give me links , most helpful thanks , very much appreciated

"if you do not have access to them I can provide links." yes please

"if you do not have access to them I can provide links." yes please

"creditor does have to be stated on the notice " DN only issue by the debt collector agents , they confirm it in writing, only address of agents present, no address from the original creditor and name of original creditor only referred by the same agents. I found this: The Defendant notes that the actual Creditors name and address does not appear on the Default notice and thus the Default notice is therefore invalid as per section 2 of the [Consumer Credit (Enforcement, Default and Termination Notices 1983)] which states:- (2). (1) Any notice to be given by a creditor or owner in relation to a regulated agreement to a debtor or hirer under section 76(1) of the Act (which relates to the duty to give notice to the debtor or hirer (non-default cases) before taking certain action to enforce a term of an agreement) shall contain-- (a) a statement that the notice is served under section 76(1) of the Consumer Credit Act 1974; (b) the information set out in paragraphs 1 to 5 of Schedule 1 to these Regulations; and © statements in the form specified in paragraphs 6 to 8 of that Schedule. As per (b) above paragraph 2 of Schedule 1 states:- (2) (1) The name and a postal address of the creditor or owner. Now The Default notice clearly states “We are acting as agents for xxxx bank” and therefore confirms the defendants assertion that agents are neither Creditor or Owner of the said debt.

sure

sure

because I know these collectors read post here so I better no give here , I believe they have been tracing me for no reason, even having a person spying on me outside my house once and when I found out they never came back !!! .. But the date is to do when the last payment was made to the account in less than 15 days , no written acknowledgement made after then, but the date of the last default notice issued was on july 2006 and there were 2 other DN issued before also January 2006 and September 2005, and as I said the wording was no according to the prescribed format and the DN was issue by the agent , who wrote it on the default notice quote: " we act as agent for xxx bank .."

yes absolutely , that is why I am here , I value you help, it is only I am preparing for the worse, that is all , thank you for your help !!

sure there other facts about my defense if needed !!, as ~I said the agreement is unenforceable, I may need your help. It is unenforceable because not pre-scribed terms and conditions anywhere in fact there is no reference on the original application form , why ?I said that? because copy of the original application , it is a marketing mailshot and but I do not know also it is a lottery in court!!! thanks

nothing personal I hope , it is just a reference , just listening from various advices, your advice is also taken onboard, thanks anyway!! I just to have an open mind about this matter, thanks for your help !!!

ok if can tell me where I could find them please??

PT2537 DID SHOW ME various cases where the DN WAS INVALID AND CANNOT BE RE ISSUED IN COURT BECAUSE EVERYTHING WOULD HAVE TO BE DEALT WITH AND COURT WILL NOT ALLOW IT, DEBT SOLD ON THE BACK OF INVALID DN IS , MAKES ILLEGAL NOTICE O F ASSIGMENT and illegal termination of contract ,, there are various cases in the site

surely if the DN IS INVALID , that 's it , it is in the act how can they overrule that?? PT TOLD ME ONCE INVALID DN IS A DEFENSE IN ITSELF AND THE FACT THE THEY SOLD THE DEBT ON THE BACKOF AN INVALID DN , it will not stand the notice of assigment !! in court , it is illegal !!