No I didnt get that either as far as I can see, I check mail everyday and open everything important

Just a bunch of rubbish from rectums

go see what mcol says.

dx

It says the following:

A claim was issued against you on 20/04/2017

Your acknowledgment of service was submitted on 24/04/2017 at 09:18:29

Your acknowledgment of service was received on 24/04/2017 at 12:01:54

Your defence was submitted on 21/05/2017 at 17:13:05

Your defence was received on 22/05/2017 at 08:01:57

So the last entry is 'my defence was received'

Where does this leave me then?

unnecessarily panicked...

you've not received an n180 re mediation either

we should have spotted that.

dx

Yes forgive me ...no Notice of Allocation issued yet.....the claim is stayed ...they have applied to lift the stay and you are currently waiting to hear from the court if there will be a hearing or not.....

Did you upload their WS with their application and N244?

Yes, I uploaded it with the pack

Start drafting your WS in response to their WS and Application...there will be a hearing and the court will confirm when.

you should get something from the court just now re their application saying app'n to lift, no hearing (re the app'n to lift), but if wish to object can do so within 7 days

My claim is showing as transferred to wandsworth on MCOL so assume its going to court date

atm then yes.

you should get something in writing from the local court just now.

if you don't give the court a ring, enquire.

I need some help with this -

I am really struggling with the WS for the trial.

I can't see anything from my research in my favour,

I mean there is a whole bunch of evidence including copy of default notice, copy of assignment, photocopy (bad quality) of the credit agreement etc.

Do I have an option here of negotiating with these nasty people and settling this without getting stuffed with a CCJ against my name?

there is always that option. yes

you've not got even a date yet have you..?

why give in simply because you cant find a witness statement already here to guide you...

use the search CAG box of the top red toolbar

witness statement card

No date yet, but its imminent.

I absolutely have no problem with submitting a witness statement, but I just feel its extremely high risk vs not getting a CCJ against my name.

If I get a court date, is it still possible to settle this stuff outside of court?

A few of things I've identified,

can you tell me if any of these are worth including:

1. On the claim form, on the 'Statement of Truth' they havent crossed out the relevant parts in the truth statement, (I believe)(The applicant believes) and also (Applicant('s legal representative)('s litigation friend) - they were meant to cross these out

2. The copy of the CCA is blurry, and the attached terms of the CCA are completely different format (just like a word document)

3. They say I 'signed' the credit agreement but there is no signature on the CCA, just an IP address and tick box

4. The sign date on the CCA looks like 2006 not 2008,

5. There is no evidence of an Immediate Payment in Full Final Demand letter from MBNA

6. There is no evidence that Statutory Arrears notices were sent from MBNA

7. They note a second letter before action was sent on 31 March 2017 but this isnt included in the evidence

8. There is little evidence provided of mopnthly statements of account, expenditure, interest charges

9. The CPR request was not complied with until the documents were included in the witness statement (should they have sent them before?)

2 and 3 as post 117...

the rest no

Hi

Does the default date on my credit report need to match the date on the default letter MBNA sent me?

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

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 MBNA 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

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

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

they did on mcol

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

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

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.....

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

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