The main point was they discontinued the claim, and my defence was a cobbled up load of nonesence. I will repost it if I can find it. I must qualify what I say on here, as it is a few years since I went through this. DCA's were so used to claims not being defended, they just did'nt follow correct procedure. Screen clipping taken 15052011 1353.pdf

Go for it lamb909. They will get the CCJ if you don't defend. You have nothing to loose at this stage, it is too late to try to negotiate. Link

Barclays is overdraft.

If you pay them anything, you are tacitly admitting the debt exists. The very point of a CCA request is to make them prove the debt exists. BTW a CCA request is not appropriate for an overdraft, as there won't be an agreement.

Bump.

Thanks Surfer01

Background. My wife was made redundant in February this year, she has worked continuously prior to this and was entitled to Contributions Based JSA. I have been a company director for seven years, but my business suffered in the recession and I had minimal income for the last few years, and no income since last September. We tried to make a joint claim in February this year, but because I had paid no NI contributions, and the staff at Jobcentre Plus were incapabe of understanding that I was an employee of my company (they wanted to see my accounts, which were not due to be prepared until May) the claim was delayed for many weeks. I eventually managed to get a job before the claim was sorted, and so withdrew from the joint claim, my wife was then able to claim contributions based JSA. She has now reached the end of the six month period, and I have been made redundant, so we now have to start a joint claim again. My question is will they still be demanding sight of my company accounts, or will they now accept my P45 from my last employer? Any advise appreciated.

Notice of discontinuance received.

Ok, first let me say I am not trying to avoid paying the utility company, but would like to buy myself some time, and avoid a CCJ. Draft defence. Needs to be in shortly. Comments please.

Bump.

A Utility Company has decided to sue me and Mrs Rippedoff. They have issued the claim from Northampton, but the claim is against Mr Rippedoff and Mrs Rippedoff. No initials. There is more than one Mr Rippedoff living at my address, so how they would enforce judgement is a mystery to me, also, if they obtain judgement, on which Mr Rippedoff's credit file would this be recorded? It could well give rise to a defamation suit by my son, should his credit rating be damaged. Thoughts anyone.

How long would you keep your clients with that sort of term, unless of course you have a near monopoly. A bit like banks I suppose.

Don't forget that most Building Societies keep their funds in the clearing banks. If a substantial number of customers (probably less than 10%) withdrew all their money, in cash from their accounts every payday, the banking system would fall apart. Google "fractional reserve banking" or watch "Money as debt." Money As Debt

Why did a District Judge become involved?

Post #1.

Oh, already a thread, please ignore.

Most interesting. I would be very interested in opinions! http://www.nocounciltax.com/?p=71

Had some work during June and July, but have found that pricing has to be very competitive.

Unreadable, too small.

You do owe the money, the debt exists, but they cannot (in theory) enforce the debt through the court.

Do you have some evidence to back up this assertion?

It is a moral issue for you to decide upon yourself. If they do not have a valid credit agreement, they can not, or should not, be able to enforce through the courts. From my experience, they will not be able to produce an agreement which has all the prescribed terms contained within the signed document. Be clear on your course of action. They will enter a default on your credit file, and they will in all likelihood proceed with court action, it is not unknown for County Court Judges to enforce the agreement, even though this is expressly forbidden by section 127 of The Consumer Credit Act. My skirmish with HBOS.

IMHO they do not hold a valid agreement, which would make any pre April 2007 contract unenforceable. You should only pay them what you now consider fair and just.

Hmm, they probably couldn't if they wanted to. Were many charges applied to the account, and has the solicitor really added interest?

Can you post a copy of the agreement they have sent, with your personal details removed?