Sorry misunderstanding. Lombard will have no records of what happened to the account AFTER they have sold it, hence it is no use asking them where the money went that was paid to Arden (if the account had indeed been assigned absolutely) Maybe a poor use of words but by summons I was referring to issuing of proceedings in thecounty court. I was hoping people would appreciate that. The meaning of enforcement is set out in McGUFFICK v RBS [2009] and includes anything up to and including issuing of proceedings

If you want me to check I have a friend who is a landlord and will tell me the absolute truth

Oh boy this is mighty confusing Moorgate/Arden are one and the same, both Solihull if you notice Let me get this right Lombard Direct sold ( I assume you mean assigned absolutely) the debt to someone, possibly moorgate. If that is the case Lombard will have no more records of your account since the date they sold it. Arden have sent you a list of payments they say you have made, but these do not add up to what you know you have paid You sent a cca request and got a recon back also admitting they do not hold the original agreement So I think you first need to check who does own your agreement. One possibility is to check your credit file although if the default was over 6 years ago which I think it is , nothing should show. The other is to write to Arden asking for the balance of the account, a statement of all payments and if they are acting on behalf of anyone/who owns the alleged debt Now on to MBNA MBNA sold your agreement to Moorgate/Arden . You sent them a CCA request that they haven't replied to? Have you sent them a reminder? You need to remember what the definition of enforcement is , there is case law and it is basically anything up to and including the issuing of a summons, although a judge would look very poorly on a summons being issued where there is no agreement so that is only likely (IMO) where they are expecting no defence. I am basing this on the fact that both agreements are made pre April 2007 Have I got that right?

I believe that he has to give you two months notice to quit but you would only have to give 1 month

It's a case of wait and report them to the OFT and the FOS

Sorry just picked this up after a week away. You are aware that Moorgate and Arden are one and the same? So what are you going to do now that they have not complied? Remember that it is only unenforceable until they comply

That was my question as well, maybe the site team need to remove that from your post. Of course Morrisons or any retailer can ban anyone they wish for no reason . It is private property and you enter by invitation so they can remove that

So they are "accepting" 249. I can not remember have you already paid them anything? I would still be loathed to pay them anything more than what you borrowed and 1 months interest and certainly not by any means other than with their bank details

Are you saying we are all too thick? lol I thought it had all been debunked anyway

Whatever, I know who I am even if you don't. What could possibly make you think I was someone else?

tsp that is standard Robinson Way . Not sure what it is meant to mean but is complete rubbish

I am sorry Brigadier, seems like confusion, Unglebulgaria said to complain to trading standards, I pointed out that you couldn't so not sure the point of the link. Have you got your glasses on, my name is Smithy70 not westfield

That link to trading standards is not for consumers. You would need to go through CAB

Ok so you have details of the hearing. Does it say investigation or disciplinary? Have you been informed of your rights to be accompanied (if it's a disciplinary) Have you been told exactly what they will be investigating? It really is a tad difficult to give good advice without all the facts, All I really know is that you went on holiday without your GF, had symptoms of an STI and bunked a day off work to get it checked out, however you lied about the reason for bunking off work. You have not been suspended but have been hauled over the coals by your boss and it is now going to a panel, but you are not quite sure what for Is that about it in a nutshell?

Hi I just want to say that it is not necessarily the date of last payment but the date of last acknowledgement. So iof you write to any of these companies do not refer to my debt or my account but use generic terms like the alledged debt or the above account. If you have not paid since before the default date then I would suggest that the last payment date will be some 3-6 months prior to that. The cataloge debts are almost certainly unenforceable which puts the power in your hands about how you pay them back. Good l;uck