I`ll let her know, thank you for that

I did n`t see the writ as she called me later on but the 2 sheets of paper he left, 1 had some details of the charges on and the other was a list of goods he noted for control but she didn`t sign anything

Hi,they were shergroup enforcement - the debt was for solicitors fees, she was quoted around £600(which she had to take out a loan for)for the service and this went to over £2500. They took control and said the were coming back in the morning.

Bailiffs gained entry to my daughter and siezed goods - they are nowhere near worth the amount she owes (even if they emptied the entire flat) they are coming back to take them tomorrow, they issued a control order and said they would give her a bit more time to arrange full payment, as she is fresh out of hospital after a c section. There isn`t a cat in hells chance of getting it (over £3k) and she is resigned to losing what little she has. What will happen next? the debt wont be satisfied with what they take so will/can they keep coming back and taking anything she eventually replaces?

none of the creditors will be intersted in chasing him for his share as they have a patsy who will pay. So while he may not owe her directly, she DOES have to pay his share and he is in a position to pay it

HI, My daughters ex has left her in a heap of debt - rent arrears, housing and tax credit overpayments etc - she has taken out an iva for quite a bit of the other `joint` debt but the ones she`s stuck with are leaving her struggling. The boyfriend is now working a fairly well paid job and is living the life of Riley, pays whatever he feels like toward the upkeep of his son and nothing at all toward his joint debts. Could she take a ccj against him? - I think the threat would be enough to make him cough up but we need to know if it`s advisable. Thank you for your time

If there is no signed credit agreement, what document will be produced to show my legal obligation to the debt?

It was for an overdraft - I sent a CCA to the OC back in 2009 and heard nothing, so put the account in dispute.

After receiving court papers for an alledged debt, i sent off the acknowledgement slip back to the court and a cpr 31 to the solicitors dealing with it - they received it on the 14th and i`ve had no reply. What is the next step? Thanks in advance

That didn`t go well - they want over 80% and bank statements showing all my comings and going

Oh ok cheers, is there a record of them accepting such low offers - i certainly hope so as i`ll struggle to raise that much dates are 24-8-9 to 22-9-9

Ok thanks - what would be the best way to make the offer - phone, email, letter?

Thank you CitizenB - I was just trying to find the instructions for it - fingers crossed [ATTACH=CONFIG]46761[/ATTACH] [ATTACH=CONFIG]46761[/ATTACH] [ATTACH=CONFIG]46761[/ATTACH]

This is the default notice I received, just had another letter off bw saying that i have until the 14th now - I pretty much up a creek though as regards making much of an offer, I`m not working atm as the result of an operation and am unlikely to be again until spring and my wife only works part time [ATTACH=CONFIG]46759[/ATTACH][ATTACH=CONFIG]46760[/ATTACH]

I received a hand delivered SD on Monday from BW legal in respect of a debt to HBOS for an overdraft of £5k. It dates to 2009 when I was made redundant, I was also moving home at the time and despite notifying them of my new address, a lot of the paperwork was lost between the 2 houses and my notoriously poor record keeping. I got in touch with National Debtline and filled in the income expenditure forms and sent them off to my creditors along with a begging letter appealing to their better nature(you live and learn). As I had only dole to survive on at the time I couldn't offer more than a token payment which was rejected out of hand. I was lurking this site at the time find a course of action and so i sent them a cca request (along with the fee) which they ignored but cashed the postal order(i still have the receipt and cca request). After the 14 day time limit, I sent off the `account in dispute` letter also ignored(they were posted to the branch's mailbox by hand, by me, so I know they received them and a few weeks later received a default notice. So that and the odd statement were all the communication I ever had off them. I ignored all the threats since and it did go quiet for a couple of years but in may it started again, I just thought it was more of the same until the SD was delivered.