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. #141
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    Default Re: Arrow / Restons claimform - old MBNA debt

    A DN is an intention to file a default not exactly when they will

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  2. #142
    Basic Account Holder bja100 Novitiate



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    Thanks
    I have no evidence that the notice was served to me on the date said, nor that I received the notice of assignment. Is it worth me arguing that neither were received?

    Hi
    I've literally scoured the evidence top to bottom. There is a lack of defence here, can you tell me if any of this will support:

    1. they never reponded to my CPR 31/14 request and say this is now complied with within the witness statement

    2. I never got a notificaion of the claim becoming stayed, it never showed as stayed on the MCOL website

    3. The balance on the MBNAicon statement they sent in evidence is different to the amount that was owed when they were instructed

    4. I never got a letter from the court saying they'd received my defence


  3. #143
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    Default Re: Arrow / Restons claimform - old MBNA debt

    1 CPR is a request not mandatory to respond unlike a CCA

    2. as already explain you don't

    3. immaterial

    4. doesn't matter

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  4. #144
    Basic Account Holder bja100 Novitiate



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    Default Re: Arrow / Restons claimform - old MBNA debt

    And the 28 days to acknowledge my defence, does that not matter either?


  5. #145
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    Default Re: Arrow / Restons claimform - old MBNA debt

    they did on mcol

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  6. #146
    Basic Account Holder bja100 Novitiate



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    I don’t think I have a leg to stand on here.

    Can someone explain what my options are as far as settling this before court date?

    I’m happy to ph these people a couple of grand if it gets them off my back and I don’t end up with a CCJ


  7. #147
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    Default Re: Arrow / Restons claimform - old MBNA debt

    bja, I've just removed a duplicate of your 17.29 post. If you can't see what you just posted, try using the Refresh button on your browser.

    People should be along later with advice for you.

    HB

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  8. #148
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    Default Re: Arrow / Restons claimform - old MBNA debt

    i'll trawl through later
    still no court date I assume...

    you are currently waiting to hear from the court if there will be a hearing or not.....

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  9. #149
    Basic Account Holder bja100 Novitiate



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    Default

    Really appreciate your help.

    I got a letter today saying my case had been moved to Wandsworth court and they will be in touch with a date and time for the hearing


  10. #150
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    Default Re: Arrow / Restons claimform - old MBNA debt

    Quote Originally Posted by bja100 View Post
    Here is the entire documents I received with personal details blacked out.
    Your support and help is much appreciated with where to go next.
    hidden this attachment as its not redacted properly
    I will sort it
    and a response soon.
    shame it wasn't done properly in the first place

    dx

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  11. #151
    Basic Account Holder bja100 Novitiate



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    Default Re: Arrow / Restons claimform - old MBNA debt

    Sorry genuinely thought i'd done it correctly
    My bad


  12. #152
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    Default Re: Arrow / Restons claimform - old MBNA debt

    Claimants ws + N244icon
    properly redacted and ordered.

    more tomorrow.

    Attached Files
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  13. #153
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    Default Re: Arrow / Restons claimform - old MBNA debt

    notes to date:

    does the CCA return contained in the claimants WS match the one you got back from MBNAicon in the MBNA SARicon return...

    Well yes...you didnt pick it up.... that statement is signed as a statement of truth and a court will believe every word unless you point out their errors...which you will in your response witness statement in objection to their application for Summary Judgment

    so ref point 2 of their witness statement clearly states that the defendant signed the credit agreement on 24/09/2008, the agreement they have produced under exhibit JEB1 in their witness statement is NOT signed by the claimant.

    9 (1) that statement is not true,,, look at your defence...

    more soon..

    dx

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  14. #154
    Basic Account Holder bja100 Novitiate



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    Default Re: Arrow / Restons claimform - old MBNA debt

    Thanks for this so far.
    Re: signature, why can they not argue this cca is signed, given there is clearly a digital signature box ticket on it with an IP address, doesn’t the law cover digital signatures as a normal signature?

    Point taken about 9.1, in my defence I did dispute having the agreement


  15. #155
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    Default Re: Arrow / Restons claimform - old MBNA debt

    The agreement is Illegible anyway apart from the IP address and Tick box...both which have been tampered with in black pen.

    We could do with some help from you

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  16. #156
    Basic Account Holder bja100 Novitiate



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    Default Re: Arrow / Restons claimform - old MBNA debt

    The CCA matches the one MBNAicon sent me. That one is fully legible.


  17. #157
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    Default Re: Arrow / Restons claimform - old MBNA debt

    Quote Originally Posted by bja100 View Post
    The CCA matches the one MBNAicon sent me. That one is fully legible.
    Which post number can that uploadicon be found at ?

    We could do with some help from you

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  18. #158
    Basic Account Holder bja100 Novitiate



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    Default Re: Arrow / Restons claimform - old MBNA debt

    Was never uploaded, will do tonight when home


  19. #159
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    Default Re: Arrow / Restons claimform - old MBNA debt

    Quote Originally Posted by bja100 View Post
    Was never uploaded, will do tonight when home
    Look forward to seeing that...never seen an on line application in that format before...amazing how it can print your IP address on the agreement...be executed and approved on the same date of the application ?

    We could do with some help from you

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  20. #160
    Basic Account Holder bja100 Novitiate



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    Default Re: Arrow / Restons claimform - old MBNA debt

    Its literally identical to the one that was sent by rectums, just a clearer copy.



Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
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