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erahman

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  1. Thanks for your inputs guys..I can now only hope for the best and see what happens... regards Er
  2. hi, so do i not need to mention the the fact the dates are wrong on the termination notice?
  3. so, order for direction be: o Document, contract or deed of assignment o Notice of assignment, with proof of service of the same compliant with s196 of the Law of Property Act 1925. mention termination notice copy received is wrong/has been changed***? as original copy requested from original creditor MBNA states 5th october 2011, which is the same date of DN and does not allow time to remedy. and also recorded conversation of MBNA woman admitting dates can be changed or typed of to suit as needed.
  4. Hi Andy, im filling in my AQ to send off, does all this still apply even if Hl legal have sent documents(DN, Termination, assignment letter) over but late? post #47
  5. To Andy, You mentioned: B. LOCATON OF TRIAL Is there any reason why your claim needs to be heard at a particular court? NO....do i not say yes so it can be at my local court? and also mentioned as draft directions, is this still even though they did send copies of agreement, DN, termination notice with changed dates and a made up assignment letter...or is this so originals are provided?
  6. In a nutshell, I had this credit card, was paying payments as normal, was made redundant, and having a new young family, I lost track of my finances. i was on and off jsa for a long time, and honestly speaking when in discussions with mbna they refused to take token payments and demanded more out of and this sort formed a a htred against them and i chose to ignore them totally, I have another mbna debt around 4k well exactly same issue. I moved house a couple of times and basically out of sight out of mind. finally they caught up to me. I honestly now don't know why I am even going through all this, I am just annoyed about mbna not helping out much at first and now they sold it on. I still ignored letters at my new address until I got ccj claim form and now trying to defend this..I submitted my defence which now seems useless...and now trying to defend this on the basis that termination notice is wrong and mbna did not allow enough time to remedy default notice. original debt mbna, tried to make token payments due to financial difficulty, mbna didn't help so left them to it. sold to varde investments/credite experto ( hl solicitors dealing with it) ignored all letters moved house couple of times, did cpr request for poc. agreed deadline for submitting defence 31 jan 13. no documents recieved so submitted defence. documents received 3 days later...further investigating with mbna realised termination notice has been changed (dates) aq received HONEST ANSWER from anyone please....am I being silly by trying to fight this issue that the termination notice not valid/mbna not complying/change of dates/amount etc is all just. I honestly cannot thank everyone enough for the help received. regards Er
  7. im looking at the aq sent to me, first page have you sent a copy of this form to the other party(es)? yes no do i answer that? A Settlement: I guess its No and I explain in box 4( is this my witness statement) B location of trial: change to ..as i cannot travel that far???? C pre action protocol??? yes no??? D case management information: i have no idea? it gets more confusing for me. is there any where here that has some help with N150 aq form as a defendant? thanks Er
  8. yes andy, I have received the aq...sorry im more illiterate than I thought. i thought you meant something else more technical.. well, on the witness statement do I just write down what I have explained to you and the others or is there a court way of writing this up... and also what references or any specific I should write to show that MBNA admin systems can be altered and changed when ever and by who ever? thanks Er
  9. Thanks Andy, im really sorry to be so illiterate but could you give me a a start on how i would expand on that and what i should explain on the witness statement. "You need to complete and serve your aq on the court and claimant next." what did you mean by that. Thanks in advance...
  10. Hi Andy this is the situation with the docs.. ive attached documents from hl legal, and the docs recived from mbna. the termination notice has different dates and different amounts.
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