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keith4444

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  1. Hi, Does anyone have a copy of the above letter template? I've just looked in the library and can't find one. Am also fighting Lowell on behalf of someone else's Cap1 CC that have received the short application form and seperate T&Cs everyone seems to have been sent. Many thanks in advance for any help Regards
  2. Hi Supasnooper Thats excellent news many thanks for that. I had done some reading up on timescales but was not aware of the 4 days for 2nd class rule. Also I would like you to take a look at the application form he has been sent, would it be OK to pm this to you as I have been warned about posting it up here? Let me know please Keith
  3. Hi Supasnooper, many thanks for your help again! The issues my Father in Law has are as follows: 1) He was issued with an "Important Default Notification" then a "default notice" I'll post these below as I think they cannot be traced back to him: Now is the first one an actual valid default notice? If so I'm 99% certain its not been enforced correctly and the 2nd is null and void. 2) You ask if he has been supplied with an agreement, but he has only ever received an application form which doesn't have the prescribed terms on it. So do I mention this or just the fact they still haven't supplied a valid agreement? Thanks for your help again Keith
  4. BUMP Anyone able to help with the defence please? Many thanks in advance Keith
  5. Hi Supasnooper Many thanks for your reply and explanation. Is there a suitable template I could use from here to speed up my reply? Also time is running out for my defence. Can you (or anyone else watching!) assist me on this or point me in the right direction please? Many thanks in advance Keith
  6. Have removed as advised although I did remove all personal info so they would not be able to know who it was (remember this isnt even my agreement but someone elses) Also you have quoted my post so I cannot edit yours? Keith
  7. Yes I'd like to take a look at that please MJ. Was the reason it was struck out due to it being Statute Barred? Keith
  8. Thanks for your reply MJ Yes your correct this card was issued in 1997, it was still being paid up until it went onto dispute though so not sure of the statute barred route will apply? Also I agree those are not the original T&C's as the original ones (and only ones that are relevant)are on the back of the application forms I have posted? Thanks again Keith
  9. Hi Guys, Sorry for the delay in replying but MANY MANY thanks for your help so far! Here's the 2 default notices he received (in order): REMOVED Here's the application form (sorry "agreement"): REMOVED and here's a load of (what appear to be generic) Ts and Cs that came with the above application form: REMOVED Thanks again for all your advice on this its very much appreciated! Need to get the defence in ASAP Keith
  10. HI Guys, I have a thread in the Legal forum (http://www.consumeractiongroup.co.uk/forum/legal-issues/252285-county-court-claim-against.html) but thought maybe it would be better here? I am posting on behalf on my Father in Law who has been served court papers By Restons from the Northampton BCC regarding an MBNA account he has in dispute. Historical Timeline as follows: 3rd October 2009 sent CCA to MBNA Nothing from MBNA so placed account in dispute on 18th October 2009 (stopped payments) Received illegible Application form from MBNA Replied to MBNA stating account still in dispute as application form not valid. 16th November MBNA sent Default notification 9th December recieved reply from MBNA stating they believe they have complied. 10th December letter from MBNA stating account will be passed onto 3rd party 5th Jan Further default notification received from MBNA in a different format 2nd Feb First letter from Restons chasing Payments 26th Feb Court papers received from Northhampton BCC on behalf of Restons/MBNA: An acknowledgement of service was submitted online this weeks with the intention of defending the FULL claim and also the CPR 31.14 letter Here was sent to Restons.(I assume this was the correct response???) Today this reply from Restons was received: How do we go about replying to this one? I have tried to search on here but to no avail. Can anyone help?? Thanks in advance Keith
  11. Hi guys/ladies I am posting on behalf on my Father in Law who has been served court papers By Restons from the Northampton BCC regarding an MBNA account he has in dispute. Historical Timeline as follows: 3rd October 2009 sent CCA to MBNA Nothing from MBNA so placed account in dispute on 18th October 2009 (stopped payments) Received illegible Application form from MBNA Replied to MBNA stating account still in dispute as application form not valid. 16th November MBNA sent Default notification 9th December recieved reply from MBNA stating they believe they have complied. 10th December letter from MBNA stating account will be passed onto 3rd party 5th Jan Further default notification received from MBNA in a different format 2nd Feb First letter from Restons chasing Payments 26th Feb Court papers received from Northhampton BCC on behalf of Restons/MBNA: An acknowledgement of service was submitted online this weeks with the intention of defending the FULL claim and also the CPR 31.14 letter Here was sent to Restons.(I assume this was the correct response???) Today this reply from Restons was received: How do we go about replying to this one? I have tried to search on here but to no avail. Can anyone help?? Thanks in advance Keith
  12. Thanks for the replies guys Will update you when (If) I am responded to Keith
  13. Hi Sunflower Yes I am a subscriber of your infamous thread Very interesting reading it is too Thanks for your replies, I will await the reply to the Vint letter I sent them yesterday,although I'm not holding my breath for much LOL Keith P.s The signature I assume is a generic one that they use for all applications (either a stamp or added on a computer) would that alone make it void? P.p.s. At what stage are you now Sunflower have you left it in "limbo"?
  14. Thanks Sunflower Do you know if any of the prescribed terms are missing from this "document"? Keith
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