Thanks for your help not sure if DN compliant. I will post it up for closer inspection or expert opinion? Judge made a cursory check of DN and appeared to accept it, could I still challenge if not compliant?

bump:)

....sorry bit of an insomniac keep very irregular (sleeping) hours!

Sorry all went very quiet in fact so very quiet, court dates passed to submit documents etc, etc. I called the Court (mistake, note to never do this again always a letter!!!) enquiring after progress or not. Nothing, this was several months after appearing in court. A while ago notice from the court to attend for final judgement(again!?) which I could not understand, even more confused:confused: Pre chambers CL legal produces DN document as requested 8/9 months ago suggesting I had been sent similar. Obvously could not defend, and there was no proof it was sent. Judge was firm but allowed their documents as they had also got a copy of the DN (no idea when this arrived though!) so I needed to put forward a defence. Being a bit blind-sided by the production of DN I have a very short time to put forward an ammended defence or judgement will be made:eek: Anyone offer a shaft of light??

Well past date due....May 14th was end point....nothing from anyone

Formal confirmation of court hearing. CL have 28 + 14 days from date of hearing to submit documents. Failing this District Judge will reconsider suggestion of Judge who sat at the hearing.

Nice one tendogs;) Result...and thanks for your support. I am waiting for them to comply with instructions from court after hearing. Keeping quiet until I know more....

Blind-as-a-bat, Thanks and do you really think the poor copy of the CCA will bend it in my favour? Most of the previous comments were to the contrary...now I am confused as I understood a thought a signed copy was adequate:confused: I'm trying to keep ahead of this, its all new (but very very interesting) territory:) It would have been a proper result if the Judge had struck out but as the info you mentioned suggests they have to show balance. I could have argued stronger, but may have appeared over zealous and very pushy. My main concern was to get through the hearing unscathed without CL or Judge showering me with lots of relevant but very final points of law that would have sealed judgment in CL's favour. Steady as we go and who knows what may happen.

ncf355 + PGH7447, Hmm undecided is my opinion...my first actual court attendance... not sure if its final...how can I tell? In short it went like so.... Initial actions requested by the court were not complied with - CL failed to clarify case by filing at court and serving a written reply with all relevant documents to the defence as requested. - Hence I was unable to comply by filing and serving the ammended defence, documents. Most of the discussion was between CL legal and Judge - lack of preparation, how ill informed the CL Legal was and where were the documents requested? So in spite of this Judge awarded CL more time to produce original document(s) + other(s) deemed relevant. If document(s) are produced I need to decide to inform court defend or not. If no document(s) the Judge has said it will result in recommendation for this claim to be 'struck out'. In real terms I will know more in 14/28 day.

Had my day in court yesterday....seemed to go OK, to be honest didnt need to say much. A catalogue of incompetence, ...'so whats new?'...nothing just gives more us confidence to refuse to be harassed and mistreated on their terms.....feeding it all back at them until they choke on it.

bump?

Thanks Goldlady, atwozee, tendogs....good responses and some hope...I will have to be sharp about sending this off - I guess doing nothing is nonsense so I will submit what I have...this helps a great deal guys appreciated. If anyone else has a little sunshine to shed my way it would also be much appreciated also?

Goldlady, The order in which they came.... i) Letter advising NoA dated 22nd Aug 2008 - arrived 25/26th. ii) Default notice never sent to this day (verbal + formally requested) iii) Claim filed @ Northampton on 20th Aug 2008 Sorry for the delay - I have checked my documentation it is 100% correct

OK so far I have been sent 'General forms of Judgement or Order' to allocate this to the Small Claims Court, with an offer of mediation service. Also attached is the 'Notice of Allocation to the Small Claims Track (Hearing) with dates and instruction. Also claimant have sent their papers dated 10th March...I have submitted none to court or claimant (were due 2nd March) But the 'bundle ' does not contain a copy of the Default Notice nor have I ever been informed of one nor seen sight of this, although it was requested several times previously. A missing document but how important, also is it a wasted effort composing a 'bundle' and submitting being way late. In view of the fact that all the information I have clearly requested has never been made available?

thanks tendogs and angel1 REALLY appreciated:)

In short can anyone help ....due in court no papers served and I am really unprepared. hopeless case or naything I can do. I have clearly runout of time....can I plead exceptional circumstances on anything? ANY help will be GREATLY appreciated......

Thanks ncf355.....I'm due in court on 17th March, running out of time.....eeekkk:cry: I have the confidence to do this so long as I have all the right responses and they are accurate and correct. Just a thought on the fact they are poor copies....the 2nd one only has the date as '18/12' is that OK....does not include the year! It also appears to be a short side covering the rest of the complete document it was copied from....so I make that incomplete...any comment on that?

Bump anyone??? Just need an experienced eye to give me a thumbs up/down on this on this photocopy? Is it a correct CPR document as I requested? Much appreciated:)

thanks angel...appreciated good luck on yours;)

Thanks Angel 1...yes Debenhams....opened in Dec '94

Both poor reproductions but these are almost the same as the ones in the bundle they are or already have submitted to court for next week....which I have been also sent a copy. I contains thes and some copies of the letters they have sent with a small sample of statements I assume confirm the account has been used. Also perhaps a red herring but they claim the card was 'lost' that is incorrect, I have an outstanding issue on what (if any protection) was afforded by the account fee I dutifully had collected regardless of account condition!

and the next one....

This is response from CL Finance regarding production of documents....

Due to life and sever lack of finances time has passed very quickly. I am now looking at court on 17th and really could do with some experienced assistance pls:)

I am sorry just realised how small they are as I viewed it myself. Will post larger versions shortly