Thanks for your help on this. I really appreciate it. Can I set aside if they are not credit licenced ?

What's stopping them from typing it up now tho ? I need to know definately if weekends are included in the 18 days I have available (as I am either up to 5 or 7) if you include the day i received the SD.

I have checked with OFT and they do not have a consumer credit licence. I cannot say they haven't issued a default notice for definate as I have said my paper trail is non existent.

When I search for Gamma Asset Finance LLP on the OFT register it comes back blank. If they do not appear on this search (is this an exhaustive search) and does it mean that they are a company with no credit licence who have been assigned my debt (in error). Can I use this as a sole reason to set aside as I'm sure they will come back with CCA.

Not sure what my reasons are for setting it aside though

I know I'm being dull but why not sign ? I take it you just mean leave the type written J. Bloggs ? (new one printed) Are they in a position to insist I pay the whole amount and withdraw any offer of instalments if they get miffed ?

I would like to add my own winning thread to this....... Got the letter thanks. Printed and signed and ready to go.

No I need help (lots as my head is spinning)...............but I don't have much paperwork in my defence to help me. What letter do I need to use to ask for the CCA ? I will send on way home. Also am i right in stating that the 18 days doesn't include weekends ? Does the day the SD was delivered count as 1 ?

Court does do bankrupcy.

The solicitor I spoke to said accept the charge but have it put on there that as long as payments are on time Gamma Finance cannot invoke order and also that the agreement is reviewed every 6 months to take into account changing circumstances.

Not a good one for keeping a paper trail so I'm not sure if Everyday Lending sent me information about selling debt to Gamma Finance or if Gamma Finance sent me a default notice. Cleared out a load of old letters and paperwork etc as it was overflowing bedroom cupboards. Won't really want to rely on this in my defence if they then turn around and show me it. Just seriously panicking about the house. Again notice of assignment I'm not sure...............

Demand served on you by the creditor Name Gamma Asset Finance LLP Addess : Suite A Creditor claims that you owe the sum £5335.81 full particulars of which are set out on page 2 and that it is payable immediately and, to the extent of the sum demanded, is unsecured. The Creditor demands that you pay the above debt or secure or compound for it to the creditors satisfaction. Signature XXXXXXXXXXXX Name : Graham Bishop of Town & Country Legal Services LLP Date 3rd March 2011 Position with or relationship to Creditor : Account Manager for and on behalf of the Creditor I am authorised to make this demand on the Creditors behalf. Address etc (page2) 1. Your Creditor claims against you the sum of £5335.81 in respect of the following (a) The debt was incurred by mojnies due under the financial agreement with Everyday Lending Ltd. The debtor is in breach of the repayment terms and has failed to adhere to the terms and conditions of the repayment arrangements. The debt has been assigned as shown on Part C (p3) hereof. (b) The debt in respect of outstanding monies owed to the Creditor by the Debtor for non payment of a Everyday Loan agreemment 1100999???. The benefit having been assigned under a forward flow account sale agreement to Gamma Asset Finance LLP on 28th April 2010. © The amount due at the date of the demand is £5250.81 (page 3) PART A Appropriate court for setting aside demand. Lists the local court. Also says if I have appropriate grounds to set aside the demand to contact Town & Country on xxxxxxxxx Part B Individuals to whom communication regarding this demand may be addressed to is / are : Blokes name from page 1 Address and tel and reference no. Part C For completion if the Creditor is entitled to the debt by way of assignment Original creditor Everyday Lending LTD Date of assignment 28th April 2010 Assignees Gamma Asset Finance LLP Date of Assignment 28th April 2010 Below this details of complying with a statutory demand or have it set aside (ACT WITHIN 18 DAYS) I can include this if necessary.

yes they rang my mobile and tried to arrange an appointment. I couldn't make it so they posted through the door. I will attempt to type it in but I am in work so it is difficult.

Posting updates when I can get 5 minutes. What happens if my request for a CCA and their turnaround time exceeds the 18 days. I had the SA delivered by hand through my door last Friday. I have the paperwork to set aside etc - on what grounds tho. I can think of a few choice words I would like to include.

Loan was through Everyday loans. No PPI as far as I am aware as I was earning good money at the time but will need to check this. I will ask for copy of CCA. Loan is 3-4 years old. Thank you for all comments so far and it is making me a bit more positive.