If the lenders cannot produce a signed agreement, many break the law and pass on the debt to a DCA who will harrass you by making relentless phonecalls, send threatOgrams ect. My advice to all is get a good solicitor who can advice you on how to proceed. Even if an agreement is produced still get a solicitor to give it the once over to make sure it's legal. MM

Thank you S, it's taken a load of weight of our shoulders but we could not have done it without CAG. Hope it gives others the strength to carry on. They can be beaten and all their threat-o-grams, phonecalls and intimidation tactics are now history! MM

Following some excellent work done by our Solicitor and taking their advice, HBOS have decided to discontinue with the County Court action. Just shows that with help from CAG and it's members, being pointed in the right direction and not backing down, we live to fight another day! We can't thank you all enough who responded to our pleas in giving us their time to answer our questions and the support, encouragement and courage to continue with the battle. MM

Congratulations and well Done Delfi MM

Here's an update so all who have kindly given advice will know what's going on. Court papers were filed then after some excellent advice from delfi101 we were put in touch with a solicitor, who has taken the case on for us, it is such a relief to know that this is now in the hands of someone who can deal with this, it has taken a load of worry off our shoulders. Will keep updating the thread as things progress. MM

Let's not forget that on occassion creditors and dca's are flagerently disregarding rules and regs set by legal precident and the oft guidelines and without CAG there would be no support of advice to guide people. If people ask questions then it is only polite to answer. MM

Hiya Boo Hope you're ok. I like your saying, very clever - I'll save it for future use & it made me laugh. I'll keep posting as things develope, I hope you have a good weekend, take care. MM

OH has kept everything they've sent, & everything written or said is true fact, the information received off members of this site has been tremdendous & uplifted our spirits no end, so if these lenders want to lie then I'm sure the law will catch them out eventually and bring them to their knees. As the saying goes - The bigger they are the harder they'll fall. MM MM

Hi D thank for this, It's made me giggle. When everything is weighed up all creditors get much more than anyone borrows in interest rates alone. Why doesn't the Government help ordinary folk who've been lured into debt by bad lending and cap interest rates for borrowers. Afterall if savers are getting as little as 0.10% on savings why should people be charged as much as 32.9% on credit card balances, it's outrageous and scandalous. Everyone in this country is already paying for the bad practices by banks and their bad management, and why should we? It's time the Govenment helped out the voters and taxpayers. MM

Thank you D for taking the time to post this information. All you caggers are worth your weight in gold, with regards to the support and help we've been given so far. I'll post again when the next instalment appears in the letterbox. MM

Thank you S for alerting me to this. I thought there could be an ulterior motive to them not replying to the CPR. So if he gets a SJ copy I will definetly be back on for more help. Thank you. Hope you're ok. MM

Recent update Embarrassed defence submitted to Court last week, they've confirmed receipt and passed on to HBOS. No reply from HBOS to CPR letter, awaiting further developements. MM

Hi Boo I totally agree with everything you say. All caggers and others are mostly in debt because of bad banking pratices and all of us are being made to pay the price, hence the hike in interest rates on credit cards etc. Why should the people of this country have to bale the banks out. they are the ones who should be apologising to us and tugging at their forelocks frequently. Many thanks for the links will take a look. Regards MM

Approached CAB who were not very helpful, we've had some advice off a solicitor, but they weren't versed on consumer credit matters, plus it's difficult for me to get out and about by myself. He's too ill to help me to help him so I'm not getting the help I need, so this is making my health problems worse (are you confused yet, cos I am ). Anyway I'll try and sort something out, I've just got to keep going for his sake. Regards MM

Thank you for this Shadow, it is very much appreciated. OH is now off sick from work due to the worry& stress of all this, his doctor is very concerned. It has really taken a toll on his health, I've never ever seen him in this state, no matter what life has thrown at us and believe me we've had more than most to deal with over the years. I'll get the defence ready on file, it can then be amended, if necessary, before it's due date. I can't see him being able to attend court with his health problems. Thank you once again, I'll keep posting as & when things happen regards MM