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joebar

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joebar last won the day on October 20 2012

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  1. hi smugorwhat i had a tough day in court as BH put a barrister in against me and she pulled all kinds of tricks but in the end I wo n !! on two points and won costs against BH not a lot but i walked away with my car and BH were refused the right to appeal as well so job done. now i intend to challenge them for entering data with credit agencies without having an enforceable agreement in place if you are in a similar position you are welcome to my skeleton arguments and defences if you need them joe
  2. hi andy no black horse are not original claimant, the dispute started with CAPITAL BANK, who did not comply with cca and sar requests, they passed to a couple of dca who returned it to capital as it was in dispute. then capital passed it or gave it to bank of scotland who passed it to dca who returned it to bank of scotland whp passed it to black horse who in turn passed it to dca before it ending back with black horse and court. i know its complicated but none of them can answer my requests for correct paperwork . black horse are trying to bully it through in thier favour so i dont know how many assignments have been made but witness statement said the notice of assignment was in june 2010 but in the notice of assognment they sent to me it is dated january 24 2012, so they are in fact sending me the notice of assignment a month after they claim they sent me the DN. JOE joe
  3. hi guys ok arrived at court to be met with a representative of black horse. the judge decided that there was not enough time for me to take them through all my arguments, and while black horse deem it all to be straight forward i clearly dont so he is relisting asap with 90 mins plus 15 min reading time, 14 days to submit any further docs then anything after that timw will not be allowed. he was surprised that BH had not entered a reply to my defence, the brief said they were only using witness statement judge said reply begins with a capital R not a W. He also said that it was clear i had some help and i should research costs for litigant in person also i noticed when reading through this morning that the witness statement said the notice of assignment was in june 2010 but in the notice of assognment they sent to me it is dated january 24 2012, is this of any significance guys ? joe
  4. hi andy sorry for not getting back sooner i didnt recieve the WS and bundle till the 18th , dated 11th posted 13th..........so i get it to anyone within seven days as the hearing is at 10.30 tomorrow its good you think i have the angles covered thanks will mail you tomorrow with outcome joe
  5. hi andy thanks here i=s where i am up to ready to finalise and print for morning, any assistance would be great thanks joe skeleton final draft.pdf
  6. Hi Guys, what does this look like am i on the right track ? regards joe Skeleton Argument draft.pdf
  7. thanks andy i am trying to write it all up now so this helps i will post it tomorrow night so you can see if i have missed anything thanks again joe
  8. thanks cb working on it now will post it tomorrow, how will i let you know when i have uploaded it do i click on your name.? thanks
  9. hi andy, thanks for your patience and help you wrote "There are other points that could be useful in this judgment as well in that they concern other documents mentioned in the agreement having to be provided as well. " which docs are these and do i write a new defence or amend my previous one sorry to be a pain its been a long fight i have not been asked to submit an amended defence so shall i draw up a new witness statement and dispute every point they have made
  10. hi andy no i havent been asked to submit an amended defence by the court, what do you mean by create a skeleton ? joe
  11. hi andy so i am right that there are more holes in thier case than titanic and i should list every point and read it out in court with my original defence.?
  12. Hi Andy hers the other docs, i dont know how capital trandferred it to bank of scotland but this is whats in the exhibits thanks again i appreciate your help notices.pdf
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