the card was never reported lost or stolen. they say I phoned in 2000 to report this, which is untrue I have never reported a card lost or stolen. Ten years ago they changed the account so they will not have this information. I think that it is a ruse as they issued new cards/account numbers as they changed their billing structures. I have never signed an agreement with this account number or received new terms and conditions. They have been asked under a CPR and can only produce the old agreement no T&C's and have supplied only a copy of a default and assignment. Only a partial statement summary too.

Hi, I asked them for proof of this they have provided none. they just say I phoned GE which is a lie. M

Hi, Thank you for that it is extremely useful as very little on web. The original agreement which they have produced has a completely different account number on to the one in the POC. They say that in 2000 I reported card stolen by phone (a total lie) and a new account was issued. But surely, if you lose your card you don't get a new account number - just a new card and therefore they have an unenforceable agreement as cannot produce an agreement with the account number in the POC. By the way they monitor this site their barrister at my last hearing told me! So I don't mind if you want to block some of the info on this as even she was at a bit of a loss and it was only adjourned for T&C's to be produced (still not got them) and my witness statement. Thanks M

hi there, No, it was GE/Santander but now CL/ Howard Cohen. Preparing my witness statement which has to be in today. M

Is an agreement enforceable if it has a different account number on it from the one in the POC. Yet no notification of any change of account number or signed agreement with new number ever signed/produced. Also if no T&C's have been produced is the agreement enforceable. Especially as their reference refers to T&C's which clearly dont' apply:madgrin:

Hi Donkey, Thankyou had just spent ages pm'ing you only to find I lost it as I did not have five posts! Can someone advise me please in court tomorrow reason I pm'd donkey was I am sure Cohen's/CL read this and train from it. Didn't want to give them a heads up. Essentially I was in dispute with GE storecard held for over 12 years not used for 3 years although payments made barely reduced debt. Lost job so decided to ask for interest to be frozen. All letters ignored. then summons from Cohens, i requested info but not used to form so embarrassed defence was late and they obtained judgement. I applied to have set aside, they did not turn up. DJ vile and gave them another 3 weeks. They at last minute supplied agreement but with different account number said i had reported card stolen. Which is a lie. Surely they have no case as no signed agreement from me for this account number?

in Court tomorrow almost identical can somebody tell me what this means: The Claimant intends to rely upon at the hearing His Honour Judge Waksman QC in the Manchester District Registry Mercantile Court Dec 2009 Basil Rankine vs American Express Services etc