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. #41
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    Default Re: Arrow/ Restons claimform for old EGG loan

    Sorry, didn't realise you'd replied.

    I'll uploadicon the exhibits in the morning as it's a massive wad of paper and will take me a while.
    Exhibit "LRM1" is the agreement they sent me and which I uploaded previously.

    Do they usually set up the hearing quite quickly?
    Just wondered how much time I'm likely to have to prepare.

    Thanks


  2. #42
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    Default Re: Arrow/ Restons claimform for old EGG loan

    quite a few weeks don't worry

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  3. #43
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    Default Re: Arrow/ Restons claimform for old EGG loan

    Thanks


  4. #44
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    Default Re: Arrow/ Restons claimform for old EGG loan

    Quote Originally Posted by monkeypin29 View Post
    Sorry, didn't realise you'd replied. I'll uploadicon the exhibits in the morning as it's a massive wad of paper and will take me a while. Exhibit "LRM1" is the agreement they sent me and which I uploaded previously.

    Do they usually set up the hearing quite quickly? Just wondered how much time I'm likely to have to prepare.

    Thanks
    Just the main exhibits referred to within their statement will suffice...agreement/T&Cs...default notice...notice of assignment.

    Speed of a hearing varies on each local county courticon...but your response must be submitted not less than 14 days pre hearing.

    Andy

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  5. #45
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    Default Re: Arrow/ Restons claimform for old EGG loan

    Here are the exhibits.
    I've left out most of LRM4 because it was just correspondence back and forth.

    Many thanks

    Attached Files

  6. #46
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    Default Re: Arrow/ Restons claimform for old EGG loan

    I've had the court date through, it's on 11th January and now I'm petrified. Have you had a chance to look at what I uploaded?


  7. #47
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    Default Re: Arrow/ Restons claimform for old EGG loan

    So you need to prepare a witness statement in response with objection to their application which must be submitted and served no later than Friday 5th Jan 2018.

    Have you had a look at some examples ?

    Andy

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  8. #48
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    Default Re: Arrow/ Restons claimform for old EGG loan

    Hi Andy

    Yes,
    I've looked at some examples.

    I've noticed quite a few people have had judgements awarded against them even with little evidence given by the claimants.

    Do you think I have enough to defend this successfully?

    Do you think it's too late to make them an offer as I really don't want a CCJ.

    Thanks for your help


  9. #49
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    Default Re: Arrow/ Restons claimform for old EGG loan

    now go back and re read your thread from post 20 please...

    then think again on that last silly idea..

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  10. #50
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    Default Re: Arrow/ Restons claimform for old EGG loan

    Haha yes I know, it's just me panicking! I think I've just read a lot of threads where the judges don't seem to care whether they have the original agreement and rule against you anyway.


  11. #51
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    Default Re: Arrow/ Restons claimform for old EGG loan

    pst look in the successes forum off of this one
    you probably are only reading thread here
    which ofcourse are either still pending or 'lost' in one way or another

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  12. #52
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    Default Re: Arrow/ Restons claimform for old EGG loan

    Ok I will do thanks, you are probably right, the search function has only really brought up old threads and lots of failures


  13. #53
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    Default Re: Arrow/ Restons claimform for old EGG loan

    States on the agreement that this will only be valid on return of the signed agreement...so the on line tick is irrelevant....reconstitut ed or not.

    We could do with some help from you

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  14. #54
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    Default Re: Arrow/ Restons claimform for old EGG loan

    Ah ok, I will draft up a witness statement and post it up here, thanks.


  15. #55
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    Default Re: Arrow/ Restons claimform for old EGG loan

    If you still feel that there is enough evidence provided to allow the claimant success...you can approach the Solicitor and suggest a possible settlement by way of a Tomlin Order by monthly payment and that way avoid a CCJ...but its your choice.Its okay us to state the agreement is invalid.....but a Judge on the day may not agree and accept the overwhelming documents irrespective...down to the quality of the Judge on the day.

    We could do with some help from you

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  16. #56
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    Default Re: Arrow/ Restons claimform for old EGG loan

    Yes, that's what I'm worried about. If I suggest a settlement and they reject it, does it count as acknowledging the debt and I won't then be able to go on to defend it?


  17. #57
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    Default Re: Arrow/ Restons claimform for old EGG loan

    Quote Originally Posted by monkeypin29 View Post
    Yes, that's what I'm worried about. If I suggest a settlement and they reject it, does it count as acknowledging the debt and I won't then be able to go on to defend it?
    No...its without prejudiceicon

    We could do with some help from you

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