opps this is going to get messy then if they don't refund. you should never keep util accounts in credit.

not looking very hopeful then... there is usually an account comms or manual intervention notes where call operators have typed notes.... not in the SAR? dx

if it was taken by Direct debit.... go do a DD Guarantee clawback from your bank. dx

name names. was this an online application?

have you still got your appeal and their reply please? dx

the person/address that they used to file their defence from.

are we going to see the rest of the witness statement ? we have the N244 we have exhibits but only page 1 of the actual written statement showing only points 1-3 ?

read upload use the online sites listed. split if you need too i'll merge. dx

be guided by andy, my post is just a reminder for background.

looks like you are doing fine. every word used but will!!

just got in... docs upload so far attached here i don't know if it would worthy to mention about it would have been SB's at time of claim if the DN was issued at the correct time not xxyrs after last deferment? thanks for helping andy. exhibits (2).pdf Drydens N244 form only (1).pdf

use this your WS and inc this as an exhibit off to bed now 3 nights been up till 4am aurora watching wont be on too early as it's lambing season out herding with the dog. your WS main thrust is the debt would now be SB'd , the DN was filed xxxyrs+months after it should have been thus unlawfully extending SB date to infinity. highlight their admittance regarding errors at that time period in your 'redetermination' paragraph. agreements unreadable. would have already been written off due to SLC age write off criteria has they not issued the claim to stop the SB clock when they had no paperwork to prove their case in the 1st place. never earned over threshold. dx Erudio - stopped sending email deferments won at FOS DRN-4141462.pdf

you dont need a form, you file a witness statement in exactly the same format as they have and the examples given in those threads i pointed too. something like this, but obviously on the points you wish to make . though unreadable agreements copy would be good to include. https://www.consumeractiongroup.co.uk/topic/453452-erudiodrydens-claimform-old-slc-loans-claim-dismissed/?do=findComment&comment=5234320 .................. you DN has a date attached below. dont forget to include DN.pdf

have you moved since 2016 deferment? dx