Am having to spread files over a few posta am not very good on computer sorry Hope ok.

Hi DX, Have today received a copy of the agreement from 1st credit itis a copy of the original signed by myself. It is not a very good copy but that is down to their poor photocopier i presume. The letter enclosed with it also say that they have previously sent a statement of account from the original creditor and the notice of assignment which is true, the statement of account was just a 2 page print out with a list of payments made and charges levied to the account etc, ie letter charges etc. Also i noticed that interest was preloaded on to the account should there have been a partial refund of interest at the time of default ? At the end of the letter it reads " We remain willing to attempt settlement of this matter and invite you to contact this office should you wish to discuss this" is it worth ringing them and discussing my situation? Many thanks

Hi all, Just got an email from HMCTS helpline "very helpfull and pleasant" makes a change from some government departments. POC as follows: 1.On 23/08/2007 the defendant entered into an agreement for a loan with the original creditor under ref no:00000000000 On 04/05/2012 the defendant defaulted on the agreement with an outstanding balance of £2853.10. 2.On 24/06/2014 the debt was assigned to 1st credit(finance) ltd in the sum of £2853.10, by the creditor. A statutory notice of assignment was sent to the defendant. 3.And the claiment claims interest under section 69 of the county courts act 1984 at the rate of 8% a year from 08/07/2014 to 24/11/2014 on £2853.10 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of £0.63.

Hi dx The original claim form was sent to me over 6 months ago which i unfortunantly cant find. The confusing bit is i dont think I put a defense down as i would have known what it was. All i did was to make an offer of £500 to settle. The next paperwork from the court is the transfer to small claims questionnaire. Can i get a copy of the original claim form? I sent the cca off yesterday morning first thing. The mediation team want me to arrange the telephone medition appointment for this week how should i proceed with that?? Many thanks

Sorry forgot to say have not sent a CCA request to them. Isit to late???

Hi DX, Sorry for the delay in reply. Info as follows: 1/ Claiment 1st Credit 2/ Date of issue 2nd June 3/ Value £2853.10 4/ Loan account originaly with the AA 5/ agreement made August 2007 6/ It has been asigned to a debt purchaser 7/ I did receive a notice of assignement 8/ Not sure if i received a default notice from the AA? 9/ Have not been recieving letters "notice of default sums" 10/ I ceased payments due to serious financial issues due to my old business going down the pan and my partner having to give up work due to health issues. 11/ Last payment made October 2011 12/ no dispute with the original creditor 13/ Did inform them of financial issues At christmas time Lester Aldridge were dealing with this matter and they did send me court papers then, i replied to these online offering a settlement of £500, i received no further correspondence from the court. a few weeks later got a letter from lester alldridge saying i had to pay £30 a month which i obviously had not agreed to, i made no correspondance with them. in march a letter off them saying i had not made 2 payments which i had agreed to and i was to pay £60 immediatly, which i didnt. Next thing a notice of change of legal representative to 1st credit. I had a message left on Friday from the mediation service to arrange a time for the telephone mediation how do i proceed with this?? Many Thanks

Hi all, Could do with some further advice as i trawl through my debt issues. 1st cedit purchased a debt of mine from the AA the outstanding balance if which was £2853.10. I have made them a full and final settlement offer of £500 which they have refused and they have subsequently started proceedings against me. They have applied to transfer the case to the small claims court and have agreed to use their mediation service which i have also agreed to so i am waiting for the details of the date for this mediation to take place. They have offered me a settlement figure of£2600. I really do not have that sort of money available to myself and am trying to get the debts that i have settled rather than a long drawn out process of small monthly payments. My question is really is it worth me trying to negotiate with them as the most i could give them would be £800 maybe £1000 if i beg and borrow, our household income is right down as my partner had to give up work for health reasins and her very elderly parents also live with us so i only work part time. I know they would have only paid a fraction of the £2800 owed to the AA so what figure are they likely to accept!!! Many thanks for all your help>

Have today received interim charging order and date for hearing late November. I have been making monthly payments as agreed for 4 months of £50 and have made an additional payment of £500 due to selling a piece of machinery, therefor reducing the amount owing from2800 to 2100 within 4 months. The offer of £50/month was offered to the hceo's acting on the creditors behalf and was bluntly refused but readily accepted as soon as the debt got passed back to the creditor, so the debt could have been reduced by another 3 - 400 pound by now had they accepted the offer at the time. The house is in joint names with my partner but the debt is in my sole name, the debt is to "howdens Joinery", we have no equity in the property. Have made all these points directly to howdens and cant understand why they are still pushing ahead with the application. My questions are really why would they carry on with this action costing them money when as I understand it they would have virtually no chance of getting a forced sale, due to the house being jointly owned and there being no equity. also is a judge likely to make the order final when there is an agreed payment plan in place which I am honouring and making substantial additional payments. Would be grateful for some advice. Cheers all..

£408 for hceo`s fee`s for first visit with no levy surely this looks like pre charging for things not done. 5% for first £100 =£5 plus 2.5% for £900 =£22.50 / £27.50 so far plus max of £50 for fuel/ total £77.50 plus vat. obviously the rest is misc charges as authorised by the relevant judge!!! or preloading for levy etc surely not the sort of thing people in such a responsible position do!

HCEOs whilst I understand the need for creditors to be able to chase up as much debt as possible a good proportion of debt covered under the cca is unsecured debt which the original creditor makes an informed decision as to whether to grant credit or not. These debts given on an unsecured basis then surely it is unreasonable to then decide that when a debtor falls into difficult times say through redundancy or illness to send in the heavies to remove goods thus making the original credit secured and to add insult charge horrendous fees. If this is the way things are to be done it should say on the bottom of the agreement ps: only joking if you cant pay will send the boys round...

Hi all,just been reading all the interesting [EDIT] on the infamous "sherrifs" website and found this statement: The Ministry of Justice will consider the impacts of the new fee regime and then review the Order. This could see HCEOs being permitted to enforce judgments below £600 and those regulated by the Consumer Credit Act, which would give creditors greater choice for enforcement action. Is this correct surely the amount to transfer to the high court is to low not to high this could end up turning miniscule debts into thousands!!! " only one winner there" and letting them loose with regulated agreements next it will be late dinner money and tea and coffee payments heanous crimes though they be.

I did know about the impending court action and tried to deal with the company but they were not interested in my circumstances i did not fill in the relevant paperwork and now know that this is foolish and that making an offer to the court is obviously the best policy to avoid these situations "head in sand comes to mind" you just assume that the golden pig is just round the corner and that your luck will change but hey ho!!! I am going to e mail and write to HCEO'S offices and to the creditors with relevant information and should i make an offer to the creditors in the same letter?

The company is high court enforcement ltd

I apologise for getting snotty here but i do resent the insinuation that i am trying to "hide" behind a vulnerable person, as a family we have had an extremely tough time of it with my partners illnes and my business going down the pan and all i am trying to do is cut down the stress and worry that is being put on us as a family by these scumbags, i am in no way tryng to shirk on my responsibilities in relation to these debts that i am unable to pay but am trying to resolve them in a manner that both satifies our current financial situation and meets some sort of aproval from the creditors and that does not simply line the pockets of these legalised so called self proclaimed court officials. In answer to seanamarts no that issue has been dealt with this is the next in i am sure a long list of issues but life goes on.

I have recently had a letter through the door from High Court Enforcement Ltd a few points i would like to clarify 1/ I telephoned the person on the letter to explain that there is a vulnerable person at my address ie my partner who is currently on long term sick after a heart attack last year, and asked her to return the warrant back to the client and i would make an arrangement to pay them directly to which she refused and said that i must deal with them directly.??? I asume this is not the case what do i do about this 2/ There are fees of nearly £800 already added to the actual court order and they have only put a letter through the door/ and the actual letter has been delivered by a representative of the actual HCO so can they make any charges as officially can she actualy take any action at all even if i were to let her in? Advice would be gratefully received Many Thanks!!!