Just for the record A stutory demand can only be served in connection with a proven debt, If the account is in dispute it won't work J

Companies like MORI often have to talk to either the wife or husband depending on what the organisation requires, its nothing sinister I'm sure J

mmm sounds like blue chip ethical company Thanks Has any one had any dealings with them J

Thanks Matt no one on the forum seems to have had any contact with them - as yet. J

Thanks for that PM, I had'nt realised that they have been around so long maybe they have only juststarted operating thanks J

not if both partners declare themselves bankrupt

A new DCA has appeared recently which seems to flout all civilised and decent behaviour. They have applied for a charging order on someones house for the cost of applying for the order (£55) They are called IND and I believe that they have bought a job lot of debts from Morgan Stanley. I would be grateful for any information or help any one can give me (pm me if you prefer) Thanks J

signed

Both VAT and Inland revenue debts form part of a bankruptcy, in fact the VAT people are one of the major "bankruptors" I suspect that it clears up their files. Good luck John

Dolly, May I point out that the templates for mcol did not exist when I sumbitted my claim, however I would still advise using the N1

I cant stress too much Use An N1 there is very little room on the mcol form so its impossible to put any detail, I had a claim struck out for this. Luckily after a lot of help and work by memebers of the group it was reinstated. You should also send a copy of the spreadsheet with the N1, another thing you cant do with mcol. read the specimen claimsa nd FAQs and you will win Good luck John

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How long ago was the CCJ? J

Have you got their address? if so you can write to them snd tell them thst you are not prepared to discuss the matter on the phone, they should only communicate with you in writing. Point out that If they persist in calling you they are in breach of the telecoms act and action will be taken. I am fairly sure that there is a template letter for this in the library. This should reducethe pressure and give you some time to get advice from others here who are more qualified to assist you than I am Good luck J

Mooshy with reference to the 6year question dont forget that it does not apply if they are deliberatly misleading you on the nature of the charges, that is that they are unlawful. I am in court with LTSB next month and I intend to argue this point to the judge. Good luck they will pay in the end J

yes sorry Blacksheep I should have explained what I meant. Thanks for the clarification, but my point still stands -as the goods developed a fault within 6 months Jumble has the right to reject them and get a refund

In the worse case you have the right to reject the equipment as unfit at any time during the first 6 months, you can then use the refund to purchase a replacement hope this helps J

I fear that you may find that your account has been closed. Have you opened a paracute account? J

subscribing John

The first thing to do is to establish wether they are agents for first national or have bought the debt off them. I think that your next move should be to demand a copy of the loan agreement. If they cannot produce this I believe that they cannot enforce the debt. Spend some time reading the FAQ section and the template letters as well as otheer peoples posts, it always pays to do this. Good luck J

Yes is the short answer, anything that can be construed as a penalty charge can be reclaimed. I have claimed successfully from an HP Co as ahve others on this site Good luck J

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Read Kazzow's post it may help to shorten the whole thing

maybe someone could use this in court to support their case

dON'T WORRY this is standard procedure for the scm, it is designed to unnerve you. You Will Win