OH MY GOD !!!!!!!!!! I am so so sorry to hear about the outcome It just shows that we are at the mercy of DJ'S that seem to want to take the easy optoin and side with the claimant that apparentley in the eyes hold all the cards Im just so dumb struck !!!! you were holding all the aces and had an open and shut case !!!!!!!!!!!! I hope you have a successfull operation and a speedy recovery

Also adding best wishe's go get em;)

WYCOMBE , Good look for tomorrow i hope it goes well fingers crossed for you

As far as im concerned and looking at the alleged agreement all the prescibed terms are there and evrything that should be there is there unless my beadie eye has not seen something that should shouldnt be there ?????

Another sneaky thing the solicitor did was to hand me a skellington argument document 20 mins before we went in but the judge had a fit and would not look at it saying you should of made it avalible 24 hours ago !!

My wife is thinking about looking for a no win no fee solicitor to take it to the next hearing

The judge was having none of it from the solicitor he also said why has it got to this stage could you not work things out so we dont have to go through with all this !!!!

The ED was submitted on line so they have it somewhere but what the judge did say was that if an agrrement of any kind has been signed be it a actual credit agreement or an application form it stand as an executed agreement so i need a bloody good defence to stop the judgement going ahead !!!!!

Hi guys , well the outcome of today is not what we expected i will post up the full events soon but in short , the hearing was ajourned on the grounds that MBNA/restons had submitted to much paper work for the judge to go through and digest in half hour so he said as we were LIPS he was bound by duty to look at all the documents properly and also asked us to submitt a full amended defence as he could not find our ED !!!!!!!:confused: also he wants to see a proper defence against the credit agreement other wise he will not go any further and award the judgment to the claimant So he has given us 14 days to submitt our defence and then a month to set another date and has given the next hearing an hour and a half slot to battle it out. What do you all make of that then cause im totally dumbfounded to say the least ????????????????????:confused::confused::confused:

Well guys today is the day:( I ahve got all the notes that i can together not many but i have some, also i have a bit on Hearsay evidence which i hope wthe court will see that it applies to there witness statement in part 10 so the hearing is at 11.00am . just off to get ready...... As soon as we get back i will post up what the outcome and what happend

Citizen B, the card was a virgin braned card and as you say it's not mentioned on the agrrement !!!!! does that mean anything ??? The card was applied for on line and all the paper work was sent through Thanks for all your help and i will let you know how it all went

Can i also draw your attention to paragraph 11 of there witness statement. does anyone know why an employee of MBNA is seeking an order in a witness statement ???????? please tell me if i'm wrong but imo the witness statement is a hash up of other witness statements and drawn up on a pc to fot the case

Citizen B thanks for that just had a read through there are alot of levels of delivery which could or couldnt be there route but if they have gone in to so much detail about what type of delivery service they use surley they would have said they use a spacific level of delivery ??

I dont want to tell the wife this but from reading other threads and links, as soon as they send out there mocked up witness statements it pretty much blows your witness statement out the water and seals your fate to doom but will carry on

Yes they did all charges are for £25