Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #41
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



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    Default Re: Hoist/cohen claimform - barclaycard debt

    doesnt really effect anything we don't need to know
    in fact you don't want them to reply anyway .......think about it....

    just don't miss your defence filing date.

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  2. #42
    Basic Account Holder tjghy64 Novitiate



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    Default Re: Hoist/cohen claimform - barclaycard debt

    so my defence needs to be received on or before the 5th Aug, which is a sat, so friday presumably?


  3. #43
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    Default Re: Hoist/cohen claimform - barclaycard debt

    claimformicon date is ONE in the count.......


    dx

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  4. #44
    Basic Account Holder tjghy64 Novitiate



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    Default Re: Hoist/cohen claimform - barclaycard debt

    cheek! so then 4th august.....they'll probably leave sending any docs until the last day or two of the timeline they have to adhere to just to **** me off.


  5. #45
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    Default Re: Hoist/cohen claimform - barclaycard debt

    Quote Originally Posted by tjghy64 View Post
    cheek! so then 4th august.....they'll probably leave sending any docs until the last day or two of the timeline they have to adhere to just to **** me off.
    They wont be sending anything...dont be waiting for a response to start your defence.

    We could do with some help from you

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  6. #46
    Basic Account Holder tjghy64 Novitiate



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    Default Re: Hoist/cohen claimform - barclaycard debt

    k, so my defence needs to cover points covering;

    no documentation
    pre 2007
    previously requested original copy of agreement, not sent

    can i put together a decent defence if i don't know what they might send back, having read lobster's threads, they could send back a bundle, just to take time up for me to go through them?


  7. #47
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    Default Re: Hoist/cohen claimform - barclaycard debt

    All the examples of standard holding defences are in the Legal Success Forum as already advised...which already contain the above points....except for pre 2007 which is particularised in the witness statement.

    We could do with some help from you

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  8. #48
    Basic Account Holder tjghy64 Novitiate



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    Default Re: Hoist/cohen claimform - barclaycard debt

    this is where i think i'm going wrong andy, in previous posts, the holding defence referred to was me sending off the cca and cpr requests, or have i mis-interpreted it completely?


  9. #49
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    Default Re: Hoist/cohen claimform - barclaycard debt

    Last comment from me tjghy...I can't afford to spend any further time answering the same points.....

    Post #24 in the following thread is a standard holding defence which puts the claimant to strict proof to disclose the documents it relies upon as the basis of their claim.

    http://www.consumeractiongroup.co.uk...inued***/page2

    Simply copy and paste and amend it to suit your particulars.....even better find a thread same claimant same solicitor same type of debt and amend to suit.

    All holding defences refer to making CPR 31.14 and CCA section 77/78 requests.

    We could do with some help from you

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