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About Benny1973

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  1. Also more than happy to provide an exact transcript of the Judges summing up of this if anybody is interested in it
  2. Have considered it. Is it worth it ? What's the likelihood of success ?
  3. I almost forgot. They wanted to impose extra costs at the end for my apparently "wasting the courts time for even bringing it to court" At one point it even looked like he was considering this but came down on the side of "I had a few relevant points" so knocked this back !
  4. Honestly he didn't want to know. They could have brought anything and he'd have accepted it. He was more than happy that Carey allowed you to use anything reconstituted as long as it had a signature and address. I was shocked he can't have taken much notice if any of my witness statement
  5. Thanks. That's the thing also. When he said the full amount plus cost was payable he took immense pleasure in informing me the full amount MUST be paid within 28 days. Little other option. Honestly it was horrific.
  6. Absolutely awful that. Judge was vile. Upheld everything they claimed. Statute barred runs from default notice termination not last payment. BMW case is good to use with credit cards too. Carey was also good to use with any old agreement thrown together. Even pre 2007 ones. Lost on everything. Still in shock
  7. Thank you. Final question. How long do these things generally last ?
  8. Hi The date in court for this is later this week. Any final tips or advice anyone can offer ? What to expect ? Will I have to talk much or will the judge see from the witness statement my argument ? Cheers
  9. Many thanks Andy. Do I reel off a copy to cohen, the court and keep one for myself ?
  10. This is my draft WS "IN THE ******* county court Claim No. *********** BETWEEN: Claimant Hoist Portfolio Holding 2 Ltd AND Defendant ************ _________________________ ________ WITNESS STATEMENT OF ********** _________________________ ________ I ******, being the Defendant in this case will state as follows; I make this Witness Statement in support of my defence in the claim. The claimants witness statement confirms that it mostly relies on hearsay evidence as confirmed by the drafts person in the opening paragraph. It i
  11. particulars of claim are as follows This claim is for the sum of £1773.21 in respect of monies owing under an agreement with the account number xxxxxxx pursuant to the consumer credit act 1974 The debt was legally assigned by MKDP LLP ex barclaycard to the claimant and notice has been served. The defendant has failed to make contractual payments under the terms of the agreement. A default notice has been served upon the defendant pursuant to s87(1) CCA The claimant claims 1. The sum of £1773,21 2. Interest pursuant to s69 of the county court act 1984 at a rate of 8 percen
  12. I did think their ws states agreement was march 2006!but what they are providing shows 2005. Can I use this in my ws ? Am I able to quote their ws in my ws ? Surely I should be the one asking for it to be thrown out as they have after this ?!
  13. Guess this may be why https://www.marketingweek.com/2005/10/20/black-horse-and-morgan-stanley-launch-credit-card/
  14. I thought that. They are saying it's Morgan Stanley for barclaycard in the ws but what they have thrown together shows black horse. Under part 2 the agreement it says "This is a credit agreement between us Morgan Stanley bank international" But has a black horse logo ? Confused
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