OK Just got back from court. That was extremly nerve racking. The judge figured out that this was my first time and I think he went easy. He asked why I needed the statements back from 2003. I advised him that there may be PPI and default charges on there that I would like to claim back. The judge has ordered the clamient to produce the missing statements by the 24/02/12. The termination notice is also the Default notice so the claiment does not need to supply these. The claimant asked for costs and the Judge said no. The judge also said that the CCA is valid. I pointed out that it's missing t and c and he mentioned that a previous case where that was ok.

In the scheme of things, how vital is a termination notice?

subbing

Can I ask the judge to ask hc for the original application form?

Am I able to offer a f and f on this account, considering I have defective cca and a defective default notice as well as missing statements, and paperwork, charges?

I have not recieved a termination notice, I also have Aug 2006, Sep 2006, Oct 2006 statements missing.

Just going through the documents. What does a termination document look like?

The hearing is on for 30 minutes. How do I ask for it to be struck out if they don't comply?

Hi Caro Thanks for the reply. I did apply via a N244 AND asked for the items below - Please treat this letter as my request made under CPR 31.14 for the disclosure and the production of a verified and legible copy of the documents mentioned in your Particulars of Claim: 1 The Agreement. A copy of the signed, executed Credit Agreement regulated by the Consumer Credit Act 1974. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the signed originals should be available at the hearing. Further, that any general conditions incorporated in the contract, both at inception and as amended, should also be attached. 2 The Notice of Assignment included proof of delivery and method. 3 The Default Notice - a true copy of the Default Notice, and /or a copy of the relevant communications log showing issuance, plus proof and method of posting. 4 A full statement of account showing how the amount claimed is calculated 5 The Termination Notice Regards TOSH1

Thanks for your assistance so far. I really appreciate it.

yes that's correct

No. the first time i found out i had was when it is ticked on the applicaion form.

I didnt even know I had it and no I never claimed it.

I've got statements, But not all of them. There are charges on there and also PPI but I have aound 3 years worth of statements missing.

Yes that is correct. Just been going through the threads. If HC send me a letter on the 13/01/12 which I recieved on the 14th and the court date is the 25/01/12. Arent they meant to give me 14 days to preper for the defence?

The hearing is for information under the claim. I am not sure about the total cost of PPI and charges as I have not recieved all the paperwork

It's more then 5k. I have a letter from Lewis Debt who act for CL Finance

I have not paid CL anything. I'm not sure what track I have been allocated.

Yes sorry you are right

No it's Howard C

Hi Just looking on the forums for advise on CCA which are application forms and no terms and conditions. How do judges look at these? Regards

What should a default notice look like?

I don't believe that they have sent all the documents. I've got around 3 years worth of statements missing. The info that they have sent, I don't think is all there. I have letters from them that they have not sent in the cpr request. There is also no sign of a default notice.

Credit card statements and also the cca

OK just an update. I have recieved a letter from Court telling me that they have deffered my case closer to home and I have recieved a statements from the goons at CL. Do these things actully go to court?