What in your honest opinion could be the outcome of the following: I partially defend against court costs and charges? I think I have a case, its just the bottle to do it. Its seaming like a much easier automated process then initially thought.

I am going to call them this afternoon, what if they say they dont have an obligation to provide any additional particulars to me yet? As still within the 14 days etc

Good Point!

Thanks, Sillygirl!. Have u heard this kind of thing be dismissed on this basis before?

Also, if I called them to chase up detailed particulars would this not be giving them the heads up on something they could screw up on? Thanks

Hi, Thank you If I agreed full responsibility and made an offer would this mean I do not get a CCJ on file? Obv pending the offer acceptance....

Hi, I have until Wednesday 6th June 2012 to submit response, or another 2 weeks if submitting a defence. Is there a chance the court could dismiss this prior to a hearing?

Themselves funnily enough

Hi, no, only received this, no other particulars. I thought they would have requested to see bank statements with me responding with incomings/ outgoings etc..

Hi, thank you for all responses! I am swaying to fighting this even more, just the thought of going to court is a bit weird. The particulars are as follows: 1st Stop Home Loans Ltd t/a fka 1st Stop Financial Services Ltd- agreed to lend the defendant 175.00 on ...Jan 2012. The defendant agreed to pay back the short term loan after 30 days. The defendant has failed to meet the repayment of the loan despite many attempts to resolve this. I will provide the defendant with seperate particulars within 14 days after service of the clam form. Word for word. £351.54 is the remaining balance. Thanks!

Hi, thank you. I have acknowledged the claim form but still have the option to defend online. I am in day 5 into it, need to decide what to do in the next day and post asap. What's ur thoughts? Still undecided of what to do! Didnt know it would go to local court!

Well done for defending yourself! What was your defense??

What could be the outcome if I won the case? Also the company did offer that I take up there debt management services and would only accept this as a viable option, is this a good argument in my defense?

Hi M8, Thank you for your response. Do I have to attend court to provide a defense? Its in Northampton. And also what would a strong defense be? l. I would love to dispute this but my confidence is not great in this area and I feel a bit like a fish out of water lolol. Thank you renegadeimp for your help here! Is there any way I can recommend you on this site or boost your profile stats etc?

Hello all. Just wanted to get more advice as I received a letter today from Northampton County Court as 1st Stop issued a claim against me for the outstanding amount. I did file a complaint with the office of fair trading and wanted some advice of how best to move forward. I have 14 days to respond. I am being given the following options: Start Defence/ Start Part Admission or Start Full Admission. I appreciate I owe the money even though the interest is outrageous so I assume the best way to handle it would be fully admitting to it???? Any advice on how to handle a claim like this would be much appreciated!!!!

Thanks but thats not really answering my question. My question is: is there any diffference in applying for a loan face 2 face in branch rather then over the phone with Customer Services? Why would they have suggested a meeting with the bank to discuss further?

Hi All! I called up a Lloyds TSB to apply for a loan yesterday and was rejected over the phone. The advisor suggested I make an appointment at my local branch to discuss face 2 face. Does this make any difference? Do local branches have more flexibility when it comes to approving loans? I do hold an account with Lloyds so the advisor would of been able to see my previous account history. Any help would be much appreciated. Dont fancy going to have a meeting at the branch if there is no difference/chance of being accepted. Thank you!!

Hi. I sent the above in an email yesterday and recieved the following in response this morning: Dear ........... If you are unwilling to provide proof of your change of details then I have nochoice but to default your account. Proof can be supplied through the courtsand we will take it from there. If you wish to make a second complaint then that is fine but Iam more than confident that I have done my job sufficiently and given you thechance to have your offer accepted. This e mail will be followed by your default notice which willalso be sent via post. Regards, ............. 1st Stop Legal Team. Any advice? Didn't really go to plan! ?? Thank you!

All I would say, as there are much more people on here that are better equipt to give advice(renegadeimp being one of them) is the following: With regards to your boyfriend: Get in control and empower yourself and then if he does find out then at least you are handling the situation and are more knowledgable about this in the future. The worst you can do is sit there worrying. Eveyone has different vices at different times in their life, this is just yours now, not forever.

Thank you very much, I will use this!!! Will let you know the response. LEGEND.

Hi! Firstly, step back and take a breath. You will be fine but need to be in the right state of mind. This site will probably be your saviour. Do you keep all correspondence?

Yeah thats my thoughs exactly. I am already putting in a harrassment complaint to OFT due to calls at work. They stopped after a threat with that.

Thats how far I have got so far... Help???

Dear ..... Thank you for your email. In response to your email I recieved on 04/04/2012 as stated below: "Dear Mr....... Please forward proof of your partners loss of employment in relation to the time scale this loan was taken out and also proof of your rent increase. If you can provide documentation to support these changes then I will consider the proposed payment arrangement on the condition that an income and expenditure is completed. I am not forcing you to pay more than you can afford however due to the fact that this is a short term pay day loan, I do need sufficient evidence to prove that the loan was taken with the intentions of repaying it. If your circumstances are genuine and proof can be provided then you will not be asked to pay more than you can afford. Regards, Rob Greaves 1st Stop Legal Team" I am not willing to supply my partners personal information to you as I am aware you are not entitled to request this as stated in the data protection act. I am however willing to provide you with an income and expendature form to show clearly my current state of finances. Is this something you are willing to accept? With regards to you commencing legal action, I am certain the courts would request to see what other methods you had used to recover the balance outstanding and as of yet there has been none.

Ok great, I was going to be as professional as possible but get my points across. I would hate to give them any ammunition.