Hi, we arrived home this evening to a letter claiming that we had been visited on 3 occasions and that whoever they are are visiting again on 9/1/13 to serve my wife with a Statutory Demand. The only thing we can think off that this might refer to is a Cap one CC we had a few years ago which was sold to lowell. 2 or 3 years back we applied for the credit agreement from Lowell and got the usual stuff back from them which turned out to be nothing more than an application for the card, ignored them and now this. Now my wife is on benefits due to ill health (I work) and we have a mortgage with neg equity and a charging order already on the house. What would be the best route for us to go down? Many Thanks Sorry if this is posted in the wrong place....

Hi Everyone! Can anybody help me approximate my monthly wage please? I have recently returned to work after a period of sickness and I would like to work out how much I should of received this month as I believe there are discrepancies in my employer's calculations. The GOV.UK SSP calculator has worked out I am entitled to £173.41 for the period of sickness. I am on £18,000 pa salary and paid every month. All help is greatly appreciated, thank you in advance.

Hello to all I am currently recovering from having my appendix removed and I'm looking to start back work asap! I am due to start back to work on Saturday which will be 7 days off in total. I would like some clarification about my right to use their statutory holiday entitlement during my sickness period. My employers have stated, "On the issue of your sick pay we are unfortunately unable to allocate holiday to the time you have been absent as we have a legal obligation to use SSP. It is also our company policy not to authorise the use of holiday for absence due to sickness in most circumstances." However, http://www.Gov.uk advices the following ot it's website, "Employees only need a fit note from a doctor after 7 days off work sick and have the right to use their statutory holiday entitlement during their sickness." Can anybody enlighten me as to my rights as an employee? Thanks in advance

hello, I hope someone can help me. I recently ran a business as a sole trader which unfortunately did not work out. One of the suppliers is still owed nearly £7,000 and I don't have the money to pay them. They have sent me a letter saying that if the money is not paid within 7 days they will issue a statutory demand to me and also one to my wife as she is deemed to be responsible for my debts too. They have also traced details of her from Linkedin and found that she is a bank manager and also know which branch and are threatening to deliver the statutory demand for her into her branch. She does not know about the debt at the moment and it will make her very worried and cause her serious problems at work. my questions therefore are: 1 can they chase her for my debt in this way? 2 is this harassment to call at her place of work in this manner? 3 what can I do about this? Thank you for any help

Hi All My wife has received a SD from a solicitor acting for a collections company (originally Lloyds credit card) We did communicate with Lloyds and requested an original copy of the credit agreement but they never replied. We been away and have returned to find this SD with only a few days left to respond. I'm looking for a way to stop any further action as we are struggling due to issues with property going back several years. Long story short we have 5 properties that we rent out and had some very bad luck with a few tenants that's left us in severe debt on top of buying our last flat at the end of the property bubble in 2008 (we had intended flipping it but had to keep it). About ten years ago a friend was defending a court situation regarding a a credit card, a loan and some other minor debts. He was told by a debt management company that there was some kind of law preventing certain actions being taken against him if the action would prejudice other companies he owed money to. Does any one know if this applies to SD's? We can't deny owing the money because we obviously do but there's no way we can pay this at the moment. When I say our situation is serious we have had a debt advisor calculate that we are currently about minus £600 per month due to the property situation. And we can't sell as most are in negative equity or would just break even. Any advice on how we can avoid further action would be most appreciated even if it's that we should offer £1 per month. Thanks

Hi All , I have just received a statutory demand from Lovell via BW legal stating that they have bought a debt from Lloyd bank . I have always denied owing this amount to Lloyds(£3000) and asked them to take me to court to argue it . this so called debt incurred as they decided to cancel my overdraft . I came to an agreement to reduce the overdraft by £50 per month initially and was managing fine , then they changed the rate of repayment to £100 per month which I could not manage and assigned some ludicrous amounts in overdraft excess fees to my account and debited these even if it meant I would be over the limit but did not hesitate to reject direct debit for mortgage or utilities (I was at the time receiving family and child tax credit.) i have been reading the forum and need some help with the following points . What is caa and who do I send it to ? does anyone know if the Lloyds compliance department is still in Chatham and is it the best address to send the SAR.? finally , I will need general help on how to proceed as I am well out of my depth Many thanks for your understanding Remi

I have relatively no experience with dealing with these type of affairs so i would like to humbly ask those with more experience to check if I'm doing this correctly. I received a Statutory demand from BW legal, which was served personally by a woman who came to my door, explaining that she didnt know what was in the envelope that she gave me. It turned out to be a statutory demand. Following the advice on this forum, i went to my local court yesterday and submitted an application to have the demand set aside. I am now waiting for the court to contact me. In 2012, i submitted a CCA letter and a £1 to Westcot Credit services asking for all the documentation, they replied stating that the £1 be made payable to the creditor HBOS. I subsequently replied with another £1 made payable to HBOS. No reply was received so i sent a reminder. 2 months later i wrote again by recorded and sign for mail, this time stating a CCA non compliance letter. I heard nothing after that. This year in June 2013 it appears that Lowells Portfolio 1 and BW legal (who i think are the same company) have purchased the alleged debt from HBOS, which i believe is not allowed as the debt was in dispute? I have applied to the court to set aside the statutory demand and given copies of all the correspondence given to the original creditor HBOS and their DCA Westcot. Have i done everything right and is there anything else that i need to do? My apologies for coming across as a noob, but the truth is I am

Hi all, I was yesterday served with a Statutory Demand from Lowell (BW Legal) Two debts are listed on the SD, a catalogue I took out probably 10 years ago with Littlewoods, the second one a credit card I had with Littlewoods Personal Finance (underwritten by Barclays). The Littlewoods (Shop Direct Finance Company) debt claimed is £4021.20 and the LPF card £426.05. I stopped paying the debts in/around April 2009. The dates of default were 12 July 2010 for SDFC and 1 October 2010 for LPF. Lowell's state the debts were assigned on 31 Juy 2010 (SDFC) and 29 September 2010. I am a full time mother with no income of my own, my house is jointly owned but there is little/no equity in it. If Lowells want to petition for my BK they are wasting their time and money and will not recover their petitioning costs. I have read similar posts on this site but just wanted to check my thought train in correct in proceeding forward as I would prefer not to be made bankrupt. The LPF card limit was about £250 but is now £426.05 so I might be able to dispute on the grounds of charges (the debt has nearly doubled). The letter with the SD states "may" instead of "will" numerous times so whether they actually follow though I don't know but I am aware this odious company operates on scare tactics and issues petitions and I don't really want to take the chance. Should I now: 1. Issue BW with an immediate CCA request (using the template letter and enclosing £1) sent Recorded Delivery? 2. Write to both Barclays and Littlewoods with SAR requests (is the fee a total of £20) or just do the CCA and put the ball in BW's court? 3. Should I make a token offer of payment and ask BW to withdraw the SD? 4. Should I apply to ask the Court to set aside the SD (given that the default dates were nearly 3 years ago) on the basis that it is an abuse of process (a "fishing" trip?). Given that the Littlewoods debt is so old, is there a realistic possibility the credit agreement will still exist. If the debt is unenforceable, the SD will be invalid anyway because it will be less than £750. Any advice appreciated. Thanks v much NC

Hi i am a new user ,last month i received a statutory demand, i applied for it to be set aside. I have been given a court date for 22nd of august, I need help on how to get this set aside, this is from a french judgement, i lost the case in france, i never understood what even happened. But to cut a long story short we had a charge placed on our property in france. We found it dificult to sell and eventually they told us it would go to auction the amount on the valuation was stupid. We drastically cut the price and managed to find a buyer, they agreed to the sale. They have now come on to us and say there is a shortfall and interest and costs. They also say they have a european enforcement order, we have been given no details of this from England or France. Does anyone know if we would be given details from the court? the first thing we knew was the statutory demand landing on the doorstep, it was served by a bailiff but we were overseas at the time. Any help please.

I have been referred to this site and told there are som great people who can help me? In short, my income has been hit by the credit crunch since 2009 and since we have run into all kinds of difficulties. Our house was repossessed in the summer wirh an outright repossesion order. We were able to clear the arrears and have been up to date since so the mortgage company has agreed in writing not to enforce as ling as payments remain up to date. This morning we received a statutory demand under section 268(1)a relating to £25k we owe. This is for school fees from when we had money and adverse circumstances and has been issued by the school through Redwoods. The school has been very patient with us and my understanding was that Redwoods would look to arrange a payment plan with us. I would like to get some answers to the following: 1. Does this mean they have filed for bankruptcy? This is an official document but not from the court. There is also no court date given, although the local court is mentioned. 2. We have been given 18 days to respond from the date of service, which is 14th October. This only gives us 6 days to respond, so can we contest why it took so long for us to receive the letter? 3. Given that an outright repossesion order is in place, would Redwoods be able to bankrupt us and enforce sale of the property? Surely the mortgage company have priority on this? Any helpful information would be gratefully received. Thanks, D

Hi all On the 8/11/2013 i received a notice of distress warrant from collectica informing me that i had 14 days to pay 415 pounds for an unpaid court fine i knew nothing about. I called them and managed to elicit a court reference for Thames magistrates court in London. The offense being owning a vehicle that was not insured and the date of hearing 12/9/2013. It was for a car i sold in sept 2012 to an "friend" just prior to going on holiday and i filled in the logbook part i needed and he was to complete his part then send it off. In July i received a bailiffs warrant regarding a parking ticket that had been outstanding for several months i filed a Statutory declaration etc early sept this year my application was granted by a district judge. I had the car scrapped in July. I`ve made an appointment to file a stat dec in this matter and my appointment is for 30/1/2014 yet the halt on the bailiffs further action 28 days will expire on the 16/12/2013 giving the bailiffs 6 weeks to feather their nest. The stat dec i will do in January will be that i received no notice due to the fact i had moved and updated my details with dvla a full year before the offence and that i no longer own the vehicle exactly the same as the one that was granted on the 26/9/2013 is it necessary to do another and if it is what can you advise what to do regarding the bailiffs ? thankyou in advance Gareth10

Hello Crikey I need help with this one. Lowells filed for bankrupcty petition on LLoydsTSB bank account. Last I heard from LloydsTSB was in 2009 until Oct 5th when I was served this notice. I am not sure what to do now and would really appreciated some help with this. The date on the letter I recieved is Sept 20th 2013 and I was served 5th October. I have received no assignemnt of from Lloyds and its an overdraft which they increased without my consent whether verbal or otherwise. Please help me

Hi Just reading the newsletter regarding Lowells and Statutory demands can they use this procedure to chase debts that are 10 years old and therefore statute barred Can the defence of a debt being statute barred stop a Statutory Demand I am not being chased by any debt collection agency at this time

I received a statutory demand tonight for a debt I do not dispute but cannot afford to pay in full. I agreed a payment plan in May but then lost my job, I have been able to find another job which goes permanent next week. I have emailed the solicitors tonight to see if they will agree to the original payment plan. Do I need to write to the court, or fill certain forms out. The demand is dated 6th Sept but only received it tonight and it says I need to reply with 18 days, should I seek advice from a solicitor. any advice will be very welcome.

A friend of mine received a statutory demand from Lowell Portfolio for a Loyds TSB credit card that she had some time ago. The letter/demand is dated 24 September 2013, however they wrote again giving her until 5 November to send them a reply. My main query is if this is a real statutory demand or a scare tactic - they served her the letter/demand in person. My friend sent Lloyds a template letter asking for a true copy of the credit agreement. She has sent this letter a few times over the past 3-4 years and no agreement has ever been sent back to her. The debt is allegedly £10,377.20. Any advice on what she should do?

I should start by saying that I have read various threads on this subject and have a fair idea about what to do and I am not the least intimidated about going to court etc. What I would like help with is specific language. Here are the details. There is an alleged debt to Lowells (originally Capital One) with a default date of 2006. I have made no admission or payments, so it is clearly Statute barred, and I have sent them two recorded letters to that effect (based on your templates) since they started to threaten me with a Statutory Demand. They also haven't sent me the CCA that I asked for ages ago, but they did confirm they would. Yesterday I was served with the Statutory Demand despite these facts. The SD contains a number of statements which, in my view, are enough to show that this is Statute Barred and I want to know how to refer to these in my submission. They make three points (I have only included the key statements):- "Defaut Date : 20 July 2006" "The Creditor made numerous written demands for repayment in respect of the Agreement, despite which the above sums remain unpaid". "The Debtor has breached its contractual payment obligations ...." It seems to me that, when I ask for this to set aside, I should be able to say something like "the creditor states in his SD that the debt is older than 6 years, it is a contract, and that I have made no payment since that date so it is Statute Barred". So:- 1. Can anyone help me with the language to say just that? 2. This seems to me to be so cut and dried that it might be simply set aside without a hearing. Is this right? If so how do I get my expenses for the work I have already done defending it? 3. I am a bit confused about whether I am obliged to attempt to contact the named person on the SD before this goes any further? If I do, is it worth making them an offer to drop it if they pay all my expenses to date? 4. I have read somewhere on this forum (but can't find it) that it may be possible to also ask for an injunction to stop them doing this again. Even if it is a long shot I would like to try, so any help with that? Obviously this is just them using the SD process to get people to pay, the SD even came with an enclosed letter (from the named person on the SD) telling me how terrible the bankruptcy process would be for me and asking me to pay them. This letter actually starts by telling me how the bankruptcy process will involve filling in lots of forms, from which I deduce that it is aimed at the more vulnerable person. This seems to me to be a textbook case of them using the SD process for debt collection and so what should I do about that? Any help most appreciated.

Hi, I received a SD on Saturday evening (12th) although the SD and accompanying letter were dated at the end of September. It was pushed through my letterbox having answered the door with my young children when it was dark and raining outside. I didn't confirm who I was and he didn't tell me what he wanted but said he was here on behalf of the solicitors on the letter. I said I wasn't willing to discuss anything on the doorstep and shut the door. He posted it 10 mins later. Back in September 2010 I had an issue with the original creditor over adding a late payment charge and over limit fee onto my account when my payment wasn't late & I wasn't over my limit. Despite making the minimum payment one month, there interest charges eventually pushed me just over my limit so that open the doors for them to add more charges. They then of course took my low lifetime balance transfer rate off me and my payments doubled so I couldn't afford to make payments. In Septmeber 2010 I sent a CCA request to which I recveived a response with a copy of an application form with my signature on it but date on both my signature and that of the creditors had been filled out by someone, not me. The year on both these had clearly been altered. I sent an 'account in dispute' letter but received a reply stating they basically has comlied so tough. I started a post on here about this so I won't repeat myself but will try to post up a link in a minute. Anyway, my issue is that in October 2010 I received a default notice which only gave me 14 days for the date on the letter to remedy so I believe this to be invalid. The amount of the arrrears is far higher than the amount showing as owed on the October statment (£400 more on DN). 2 days before the date to remedy the default was up I have a letter stating I had failed to comply and they had terminated the agreeent. I sent a letter acknowledging there letter. After the date of the termination letter I continued to receive several statements all adding more interst and charges and another default notice. My questions are: 1. Do I have grounds to have the SD set aside on the basis that I had put the account in dispute in 2010. 2. The original default notice being invalid 3. Termination of the account before the date to remedy the default had passed. 4. The SD refers to a default on a date several months after I had received the 1st 2 DN's. The one referred to in the SD I have never received anything. 5. Is the amount being claimed wrong because it continued to increase after the account was terminated (although if it was terminated too early then they lost all right to claim anything but the arrears didn't they?) I have been reading so much on here that I have lost my head a little as to what exactly I should be putting on my application to set aside. Any help would be greatfully received, thanks

hi,i received a stat demand from bw legaL regarding two lowell acounts firstly can they join two accounts together to make one some part of the stat demand has been deleted which would notify me of my rights to seek legal advice, does this mean it is not valid and are they allowed to stamp the envelopes stating they are a debt collection solitor, i have missed the deadline for setting aside and have arranged to pay monthly but i regret this now and was only done because my partner was so worried ,i think it was just a scare tactic, i have now sent a cca request for both accounts to lowell and bw legal and sent a much lower full and final settlement offer to them aswell but i doubt they will accept it i also sent a letter to the oft regarding the above, am i doing the right thing or should i just pay my monthly payments,

Well, I've had a few years off this lark, then out of the blue I get served (correctly, by hand) a SD. So here we go again. SD dated 15 Oct, served through BW Legal 18 Oct ... set aside needs to be handed in to court by 5/11 I phoned the helpful Cap One on 0115 843 3792, option 4, last payment received April 08 and there are default charges made up all of £12 charges totalling just under £300 excluding any interest. This amount is around 10% of the total claimed; the Cap One operator said that they are defending all £12 charges levied so no offer made. 19 Oct CCA request to Lowells, copy to BW Legal - 12+2 days takes us to today 2 Nov. 19 Oct SAR to Cap One Nottingham, address given by phone operator. I have read many of the threads on here on this subject, and have comlpleted Form 6.4 Set Aside and 6.5 Witness Statement. If the CCA request documentation doesn't arrive in the post today, Lowells are in breach of S77(6) and I will submit my application into court this afternoon. WRT 6.5 Witness Statement, I've taken 42man's excellent and often repeated suggested text and, as he requests on the individual threads, taken time to understand it and tidy it up a bit. If you don't mind, I'd like to paste below how I intend to submit this as it wouldn't all fit on the downloaded form 6.5 as it was. I'll copy this out in a separate post if that's OK.

Hi everyone, I could really do with getting some help. I've spent the best part of the last 24 hours reading various different threads on this forum about Statutory Demands and now my head is spinning, so thought it would be best to see if I could get some advise based on my exact situation. The SD was hand-delivered to my house yesterday. It relates to a loan that was apparantly held with HBOS PLC thatwasi took out about 7 years ago. The default date on the letter is January 2008 (apologies in advance as I left the document at home so don't have the exact dates but can get these later) but I am pretty confident that I would not have made a payment for about 6 months before the debt defaulted - I had my Daughter in March 2007, which is when my payment issues started. I don't have any paperwork relating to the inital debt and I have moved house 3 times since, if I ring HBOS would they be able to confirm information to me still or would I have to request this for through Lowells/BW Legal? I understand I need to contact Lowells to let them know that it's my intention to dispute their demand, what information do I need to put in there? Is it sufficient to say that I belive the last payment was made more than 6 years ago? Do I also need to send something to the court as well? Apologies if these questions have been asked on multiple occasions before, and thank you in advance for any help that you can provide me with.

Good evening one and all. My wife has received a Statutory Demand from Lowells. The letter was dated the 1st of August, it was hand delivered on the 19th of August, and it states that there is an 18 day time limit before bankruptcy proceeding are started. What laws have they broken? I have researched this as best as I can. The Insolvency Service document linked below states "...The person or company that receives the demand has 21 days to settle the debt or..." Also the OFT guidance for debt collectors has many examples of unfair practices but I haven't seen this dating fiddle mentioned. Can you point me to guidance / law that refers to this please? I want to get a letter in the post tomorrow morning if possible. http://webarchive.nationalarchives.gov.uk/+/http:/www.insolvency.gov.uk/pdfs/guidanceleafletspdf/statdemand.pdf http://www.oft.gov.uk/shared_oft/consultations/OFT664Rev_Debt_collection_g1.pdf Thanks. Mike.

Hi all, Hopefully someone will be able to help with our situation - I seem to be getting so much conflicting advice! Sorry this may turn out to be a long one... I currently live with my husband in a rented house. Our fixed term AST came to an end on 1st August, and as happens every year, the lettings agent pushed for us to renew the tenancy. As we are in the process of buying a house, we requested to move on to a periodic tenancy so we are not tied to a fixed term. After a bit of to-ing and fro-ing the LL agreed to this. All well and good, we thought - however, the agent still demanded a 'renewal' fee for us to move to a periodic tenancy under the same terms as our AST. This we reluctantly paid, which I now realise may have been a mistake. When we have rented before, after the fixed term came to an end, the contract automatically became Statutory Periodic, with us needing to give one rental period notice to leave. We assumed this would be the case with our current tenancy but, now that we are nearing exchange on the house we are buying, the letting agent now says we have to give 2 months notice, as per the terms of our AST. I gather from what I have read that if challenged they will argue that by agreeing to the 'renewal' of our tenancy, and paying the fee, that we have now entered into a Contractual Periodic Tenancy. We were hoping to exchange and complete on our house purchase in September, but if we are held to this 2 month notice period then the earliest we can leave this house is 1st November, meaning a very long crossover period which we would find very difficult to finance. So my question is, have we actually entered into a Contractual Periodic Tenancy? We have not signed anything to say we agreed to the terms the agent set out, nor have we had a new contract. It is just the fact that we paid the agent's fee that is niggling at me, otherwise I believe we have a strong argument for saying we now have a Statutory Periodic Tenancy, in which case we are able to give one month's notice, not two. If in fact we are in a contractual agreement, this is the clause in the original AST to which the agent are trying to hold us: 'Tenant's Break Clause: The Landlord agrees that the Tenant has the right to terminate the Tenancy after the first Twelve Months by giving the Landlord not less than Two Months notice in writing to be sent by first class post or hand delivery to the address specified in the clause 1.1 of this Agreement, to end the Agreement. To avoid any doubt between the parties it is agreed that the notice period cannot commence any earlier than the rent due date of month Ten and cannot expire any earlier than the last day of month Twelve. Such notice must expire at the end of a relevant period, being the day before the Rent normally falls due. Upon expiry of this notice this Agreement shall cease except that either the Tenant or the Landlord can pursue their legal remedies against the other for any breach of any rights and obligations under the Agreement apart from the right to a fixed term contract which is subject to this break clause.' Can this clause still apply now the fixed term has ended, given that we have not signed a new agreement? I have been referred to Section 5 of the Housing Act 1988, in particular clause 3e - but I'm not sure it applies in our situation: 3. The periodic tenancy referred to in subsection (2) above is one— (e)under which, subject to the following provisions of this Part of this Act, the other terms are the same as those of the fixed term tenancy immediately before it came to an end, except that any term which makes provision for determination by the landlord or the tenant shall not have effect while the tenancy remains an assured tenancy. Or, do we now not have a legal leg to stand on after paying the agent's fee? Do we just need to suck it up and either delay completion on the house or pay the agent's Early Release Fee of £558 (no I didn't miss a decimal point!) for them to remarket the property early? Any advice on the above would be very gratefully received from someone with a bit of legal know-how, or has come across this situation before. Sorry for the essay - well done if you're still reading! Many thanks in advance.

Hello everyone, I am new here and thank you in advance for any help to get me through this nightmare. I built up a debt with IG Index back in 2008. This was built up through a spread betting account I held with them. I did pay a few payments of £50 or so back in 2009 as that is all I could afford. After that I heard nothing from them. On 12/06/2013 I received a letter from their solicitors saying that the balance of £10,712.89 is due immediately. They wanted payment within 7 days or they threatened immediate proceedings against myself. I wrote to them in reply and said I never had a credit account with IG Index so how could I owe them any money. I heard nothing back on that. Today the doorbell rang and I was served with a Statutory demand under section 268(1)(a). It looks like a bankruptcy petition. I am very frightened by this as I am a homeowner and also have 3 children and a wife living here. Also this order is for £10,712.89 + Interest £2,918.29. On the 12/06/2013 there was no interest and it was just mentioned as £10,712.89 and now they suddenly mention interest on this also. a) Can they serve me this notice just like this without asking me for income/liabilities or offer me a payment plan of some sort? b) Can I offer them that now? c) Should I just ask them for all the information I can (all my trade history etc.) under my rights of a "Subject access request" d) Have I got grounds to get this set aside? e) Can I really lose my house? f) What can I do. What should I do. Sorry for bombarding questions but I am so, so worried. I suffer from Crohn's disease which can trigger at anytime with stress and once it triggers its a severe downward spiral. This si why I cannot afford to pay them back any sort of realistic lump sum. I am more than happy to offer them what I can afford, but I cannot see that option here with this service of this notice. Please can anyone help / advise? Many thanks in advance.

I'm trying to complete forms 6.04 and 6.05 to have an SD set aside. I just wanted to double-check a couple of points if that's ok: 1. What do I put as the title on the forms? I assume it needs one as it has (TITLE) stated at the top 2. on form 6.4 do I need to put anything in the date, time and place fields (as below): attend before the Registrar/District Judge as follows:– Date Time hours Place 3) On the section below, is this my name and address needed? (d) State the names and addresses of the persons to be served The names and addresses of the persons upon whom this application should be served are:– (d) 4) If it is my address needed above, what address goes here: (e) State the applicant’s address for service The applicant’s address for service is:– (e) Many thanks, in advance.

Dear all, thank you for the very helpful information I have been getting on here. I was served with an SD by the lowlifes (lowell) end of January 2013. I quickly requested for a CCA under CCA 1974. I applied for a set-side and a hearing was scheduled for today, I attended the hearing their representative came with nothing and asked for an adjournment to which the DJ agreed. I used the template on here to challenge the SD in my witness statement. Till today they have not sent a single piece of document that I asked for in the CCA request. In his application for adjournment the DJ asked him to be clear why he wanted an adjournment, he did not have a clue why he was asking for it. Nevertheless the DJ granted it but she made a Court order ordering them to produce all the information I asked for in the CCA and evidence that they served the Notice of Assignment onto me. Now, I am new to these sort of things, do I have to do another Witness Statement? or wait for directions from the court?