For sure I will Andy.

CASE DISMISSED! Dealt with in under 20 minutes based on the address on the CCA being incorrect. The judge accepted my Electoral Roll copies as evidence of the address at the time of execution. The solicitor for IND actually argued my case for me so we could get it over with quicker and go to lunch. I think he could see that the points raised in my witness statement would have led to a rocky ride for him and it was as well to address the CCA first as it was the strongest point. Although they failed the court order, the judge accepted the documents and said that the quality of the content of the documents was not specified in the order and as such would be subject to debate if I wished to highlight problems with them. She did point out that there were very clear issues with the documents though. She also said that it would have been lovely to spend and hour or so debating the finer points of law with regards to the evidence provided and that I would have enjoyed that too based on the work that I had put into the content of my witness statement. The CCA error was a fundamental flaw in the claim and was clearly unenforceable and as such there was no point in addressing any of the further points. An interesting comment she made was that with regards to the deed. If it was supposed to be a deed then it was not one but the question of whether a deed was actually required was arguable and as such the document provided may well have stood. No award was given for costs but £255 is a small price to pay for wiping a CCJ and a £5,000 + claim. I do feel I should have been refunded my costs but the judge said I should be happy that the case is dismissed and that I am absolved of any obligations or responsibilities for this matter. Thanks again for all of your help and support with this!

I've already posted the WS off now but I can still raise this in court though as it is documented right? Court date is 16th January so I can have a break from this for Christmas. Thanks again for all of your help. Fingers crossed for this.

In their witness statement they say at the end: "The Claimant accepts the Defendant's medical condition, however this is not a defence." I have no idea what they are talking about here. At no point have I specified having any medical condition and I do not have, nor have I ever had, any medical condition. Is it worth pointing out that this is another example of them not knowing what they are talking about?

All documents have to be in by the 4th. On the 4th is ok then? Even though it's the last day? I could maybe hand the papers in person to the court on Monday. Does it make any difference?

Sweet. So their statute barred is hanging on a thread. How do you think my defence looks? I can back up the evidence per the NoA that states FCA on a 2011 letter and the other letter from Lloyd's literally had small print at the bottom that is illegible in every copy I have seen, hence every copy lodged with the court. They maybe have provided the court with a more detailed copy of the DoA but I doubt it. Honest opinion? You guys have been a godsend over the last 4 years and instilled me with the confidence to research and take these fools on. I really hope I can knock this out the park and offer some hope to others in the same position in the future.

Will prepare everything tomorrow and post first thing on Monday. Will just have to quote section 1 of the law of property act 1989 and section 74 of the 1925 act to cover all the bases in terms of what a deed is. I feel pretty confident with my defence really, mainly due to the poor process and naff evidence from the claimant. Fingers crossed that it's ok and then judge chooses to throw it out. One question... If it gets struck out. Can the claimant re instigate another claim? Will that claim be statute barred of was the statute barred clock reset when the made the last claim, even though it was struck out?

I read somewhere about claiming as litigant in person. £19 per hour for phone calls, writing letters, writing defence + WS and court appearances. Can that be applied here?

Should all evidence I rely on be exhibited with my witness statement, even if the claimant has also exhibited the same? e.g. NoA, statement?

OK. Makes sense. So I go for the Witness Statement "as is" I think I may have quoted the wrong section of the Law of Property Act. Section 74 of the 1925 Act is more appropriate for a company signing rather than an individual. Either way, the document presented does not satisfy the criteria set out to be a deed.

Am I better showing all my cards now and presenting to the claimant and the court or would I be better off keeping a few points under my hat to catch them out at the hearing? I worry that they may attempt to introduce new evidence if they realise how poor their current evidence is. At the moment they seem to believe their position is strong with the current evidence and as such the witness will not be attending and will send an agent in her place. Hence my earlier question regarding points being raised that were not previously in a witness statement. ie. FCA reference. Illegible print.

The witness statement points out the following issues with the evidence provided. Inconsistent information on the notice of assignment with relation to the date it was sent. Illegibility of information on the second notice of assignment. Lack of any details on the account statement to link it to me at all. Lack of any other account statements Incorrect address on the CCA Assignment is not a properly executed deed. All of these points are plain to see and could be raised at the trial. Can I omit the details from the witness statement and raise the points in court instead? That way the witness statement is much shorter and just outlines that I disagree with the evidence presented. Supporting evidence is provided for the address and the rest is argued at the hearing.

I emailed the defence to CCBC defendants with a copy of the s.78 request. The claimant produced copies of the defence and the letter as Exhibits with their witness statement at the last hearing. They tried to claim I had not submitted a defence and instead had sent a letter requesting further information. The date given for receiving the letter was 7th October. The date the defence was submitted. The original letter was sent on 10th September and dated as such. The judge didn't buy it and insisted it was clear that a defence was given. I can edit this out though, as I cannot prove absolutely that this was sent to them at this time. I was taking their statement as proof.

I am the Defendant in this claim I rely on my own personal knowledge of the events relating to this claim. BACKGROUND The Claimant issued a claim via the County Court Business Centre on 5th September 2014. On 10th September 2014 the Defendant issued a request pursuant to s.78 of the Consumer Credit Act for a true copy of the Consumer Credit Agreement as well as information in the form of account statements to clarify the total amount in question. This was sent recorded delivery and the tracking number was provided with the defence. 
A copy of this letter is marked as Exhibit DE1. 
No information was provided before the claim form deadline and as such acknowledgment of service was submitted on time and a defence was submitted on time. A further copy of the s.78 request was included with the defence and passed to the Claimant by the court. The Claimant failed to respond to the s.78 request within the statutory time limit and offered no explanation as to why they could not fulfil the request. This is clearly in breach of the correct process and of CPR Pre Action Protocols for Debt Claims 5.2: 
If the debtor requests a document or information, the creditor must –
 (a) provide the document or information; or
 (b) explain why the document or information is unavailable, 
 within 30 days of receipt of the request. DEFENCE The Defendant has received no contact from the Claimant and is only aware of the claim through the issue of the claim form. On 6th November 2018 the Claimant was ordered to provide copies of the Notice of Assignment “as sent” to the defendant. “As sent” is taken to mean an exact copy of what was sent. The Claimant has failed to do this.

The claimant has produced 2 documents, each pertaining to be a Notice of Assignment.

 These letters are marked as Exhibit DE2 The Notice of Assignment allegedly sent from the Claimant on July 14th 2011 cannot be seen as a valid document from 2011. The information at the bottom of the letter states; Authorised and Regulated by the Financial Conduct Authority. The FCA was not formulated until 1st April 2013 and as such any letter claiming to be from 2011 with reference to the FCA is seen not to be a document printed before 2013 and as such can not be proof of a document that was allegedly sent in 2011. The credibility of statements issued by the Claimant is raised in relation to this point as the evidence presented does not support the claim that has been made. The Notice of Assignment allegedly sent from LloydsTSB on July 14th 2011 has information at the bottom of the document that is illegible. The defendant cannot ascertain the authenticity of a such a document if the information within it cannot be read. The defendant questions the acceptability of such a document if it is presented to be “as sent.” If such a document had been received and had not been completely legible the defendant maintains the position that such a document would not have been properly served. In addition, no proof of postage or delivery was provided for either of these documents, despite the insignificant cost of doing so. As shown by the evidence presented by the claimant, the alleged debt assignment notification was not properly served upon the Defendant and as such the Claimant has no grounds to pursue further action upon the Defendant. The Defendant has not been provided with any documents to prove the existence of any debt nor any proof that the Claimant has any right to be making demands upon the Defendant. A s.78 request was made in 2014. As previously demonstrated the Claimant failed to respond for a period of 3 years and 7 months.
The Claimant issued a reply on 24th April 2018.

The CCA provided was a reconstituted agreement and not the original. The Claimant failed to make this clear as per “Guidance to the duty to give information under sections 77,78 and 79 of the Consumer Credit Act 1974.” Section 13.1.4 (2) The address details given on the CCA are incorrect. I refer to Exhibit DE3. The electoral register clearly states that the address of the Defendant at the time of execution of the alleged debt was not that which is stated on the CCA. The documents demonstrate the address from 1998 until 2002 as being *************. At no point is there any association with the address mentioned by the Claimant. The address details on the CCA are not even accurate with regards to the details that the Claimant presents as having on file. I refer to paragraph 9 of the Claimant’s witness statement. The address given is inconsistent with the address claimed on the Agreement. The CCA is unenforceable as per “Guidance to the duty to give information under sections 77,78 and 79 of the Consumer Credit Act 1974” Section 13.1.4 (1) The copy of the executed agreement should be a “true copy.” And (3) The name and address at the time of execution must be provided. The address information is completely incorrect, as such the Claimant has no authority to be taking enforcement action against the Defendant. The account statement provided is completely lacking in any detail that links the alleged figures in any way to the defendant. I refer to Exhibit DE4. 
The claimant has not demonstrated in any way how the total figure was reached. 
It is noted that on 6th November 2018 the Claimant was ordered to provide account statement information by 20th November 2018. It was made perfectly clear within the court room that this information was to outline every transaction made from the inception of the alleged agreement in November 2000 up until the final balance to allow the defendant clarity as to where the total amount claimed originated.
The Claimant has failed to provide the information requested. The Claimant is claiming for an alleged debt of 3,371.07 as 3/1/08 and for interest calculated from that date. The Claimant’s claim was issued on 5/9/14 The Defendant contends that the Claimant’s claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the Limitations Act 1980. If, which is denied, the Claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach was accrued for the benefit of the Claimant. The default date is stated as being 3rd January 2008, though no default notice is provided.

The defendant disputes any payment made after the date of default and denies authorising any third party to make payments on his behalf. Unless strict proof is provided that the defendant personally made any payments after the date in question or signed an agreement allowing another party to do so, there is no evidence beyond doubt that the defendant did in fact make payments beyond the alleged date of default. The account statement provided is completely lacking in any detail that links it in any way to the defendant, nor does it specify where any payments came from. The document is labelled as page 1 of 1 and is accompanied by no other evidence giving clarity on exactly what account it is specified to be relevant to. As no further evidence has been provided the defendant maintains the position that the alleged debt is stated barred. The Claimant’s claim to be entitled to 5,184.00 or any other sum or relief is denied. TIMELINE OF EVENTS / CLAIMANT’S APPLICATION TO LIFT THE STAY On April 24th 2018 Claimant issued a response to the defence issued in 2014.

The Defendant could see no worth in the response and awaited response from the court
. Why did the Claimant not request allocation at this point? On July 12th 2018 the Claimant issued an application for judgement in default of a defence supported by a witness statement that claimed as truth that “the Defendant failed to file a defence.” I refer to Exhibit DE5. The first page from the witness statement provided by the Claimant in support for their application for Judgement in Default. This statement was proven as untrue as demonstrated by the court records as well as the Claimant’s previous communication referencing the defence. As such the credibility of statements from the witness for the Claimant is questioned. The defendant asks whether giving false testimony in the form of a witness statement is abuse of the court process. The Claimant claims that due to an “administrative error” they failed to continue with proceedings in 2014 by not requesting judgement in default at that time. Judgement in default was not an option at that time due to a defence being submitted. 
As the Claimant had failed to respond to the s.78 request, prohibiting them from proceeding with further enforcement action, it is clear that the Claimant did in fact fail to respond to the court’s directions and failed to respond to the directions questionnaire included with the defence.

 By the court’s own rules, failing to reply to the directions questionnaire is grounds for the claim to have been struck out, the Defendant questions if there was an error by the court in Northampton in not sanctioning this claim due to such failings on the part of the Claimant and thereby facilitating the Claimant’s application to lift the stay in 2018 and request judgement, denying the Defendant the opportunity to provide statements or evidence in support of his defence. IN RELATION TO THE COURT ORDER DATED 6TH NOVEMBER 2018 The claimant has failed to provide a valid Deed of Assignment as required under the Law of Property Act 1925 (amended 1989) to demonstrate that an actual valid instrument has been created to show that the alleged debt has changed possession from one party to another. The Claimant presents Exhibit HM2 as being such a deed, though under the Law of Property (Miscellaneous Provisions) Act 1989, Section 1: “An instrument shall not be a deed unless— (a)it makes it clear on its face that it is intended to be a deed by the person making it or, as the case may be, by the parties to it (whether by describing itself as a deed or expressing itself to be executed or signed as a deed or otherwise); and (b)it is validly executed as a deed by that person or, as the case may be, one or more of those parties. An instrument is validly executed as a deed by an individual if, and only if— (a)it is signed— (i)by him in the presence of a witness who attests the signature; or (ii)at his direction and in his presence and the presence of two witnesses who each attest the signature” A notable clarification from case law (Seal v Claridge (1881) 7 QBD 516 at 519). “A party to the deed cannot witness the signature of another party to the deed.” The Claimant has not presented any documentation that satisfies the criteria outlined by the Law of Property Act, which it references throughout the witness statements provided.

In the absence of any document that satisfies these criteria the defendant claims that the claim made by the Claimant is of no worth.

The claimant has had ample time to present to the court the evidence it required to legitimise the claim that is being made. SUMMARY The Claimant clearly states that “the evidence speaks for itself.” The defendant is in agreement and has demonstrated how the evidence provided proves to undermine the statements made by the claimant. The credibility of statements made by the claimant has been shown to be questionable and in the absence of a true Deed of Assignment as ordered by the court the Defendant shows that not only is the Claimant’s claim without merit due to the Claimant failing to follow the correct process or to demonstrate that they have an enforceable CCA or that the alleged debt is not in excess of the limitations act, but the entire claim is without substance due to no Instrument that satisfies the criteria under the Law of Property Act to be accepted as being a Deed of Assignment has been presented. Due to the combination of any or all of the above points the Defendant respectfully requests that the Claim is Stuck Out with immediate effect and that the Defendant is awarded costs equal to £255 wasted costs for the previous hearing to set aside the Judgement in Default which was made under false testimony. Also the defendant asks that the court consider awarding him £90 per day, which I understand is the statutory amount and not reflective of the true loss, for lost earnings due to the court appearances. The total asked for being £435 or whatever figure the court deems to be appropriate. The hearing is for an hour so I will have more time than in the previous set-aside hearing. As I failed to make certain crucial points in that hearing I need a detailed statement to which I can refer. I should edit it more? I guess I can take expanded notes into court with me yes?

Okay. I'll edit it right down. As for the points raised though? I believe I have essentially gone through it in chronological order, though I detailed the claimant's failure to follow the correct procedure before detailing my defence so as to highlight the lack of credibility in the witness. The claimant's application to lift the stay has not really been addressed. The stay is lifted and this is the final hearing. The claimant is lacking in paperwork that supports their claim.