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About nigtturner

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  1. Is there anyone that can answer my previous questions before I start asking others and make things complicated.
  2. Can any one tell me is it out of order for me to ask all my questions before posting my agreement as then by the time I have asked all my questions I will be able to post them.
  3. sorry i have not been able to post my agreement but I have not used the site enough yet, not only that I am having issues with using photo bucket and could do with an idiots guide
  4. question number two regarding signatures I put forward the point that the agreement was not signed by the creditor, and sited consumer credit act part 61.—(1) A regulated agreement is not properly executed unless (a) a document in the prescribed form itself containing all the prescribed terms and conforming to regulations under section 60(1) is signed in the prescribed manner both by the debtor or hirer and by or on behalf of the creditor or owner, and (b) the document embodies all the terms of the agreement, other than implied terms, and © the document is, when presented or sent
  5. I am going to go through my points one at a time so hopefully I can get my head around the replies. first question regarding civil procedure rules part 16 supplement says 7.3 Where a claim is based upon a written agreement: (1)a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s) should be available at the hearing, and (2)any general conditions of sale incorporated in the contract should also be attached (but where the contract is or the documents constituting the agreement are bulky this
  6. Hi every body sorry i have not been about I have had a stinking cold and have been procrastinating , not good I know, In court on the 24th September I was basically made to believe that I was wrong. they the judge and the solicitor made me think that all the prescribed terms ETC where in the agreement, but I am not a legally trained and could not come back with the right replies I am now going to with your help try to find out if any one can help me with some points, I can not put my agreement up as I have not used the site enough yet but hope fully I will put that to writes to day.
  7. Hello mate thanks for asking, Basically I got shafted, I am just a lay man and they do not let you have any success in court. Full story later Health Wealth and Happiness nigel
  8. Hi every one I could really do with some help I have court tomorrow at 2pm, and they have today sent me an email saying they are changing their solicitor and have put forward a new skeleton argument . I think that they have got an expert in as the argument totally flummoxed me. I am only an ordinary bloke with very little knowledge of the relevant act and regs I thought that I was capable of defending myself but I have now woken up the fact I need help so if there is anyone out there that can take a look at my agreement I would be very grateful. Health Wealth and Happiness nigel
  9. hello mate is it possible to re-list my thread with to-days date as it has not had any views and looks like it has been missed cheers nigel
  10. Hi guys I wonder if anyone can give me a bit of help. I have got to go to court on the 24th September, Hillesden is trying to reclaim a credit card debt that I believe is unenforceable. I have been trying to fight this case by myself for 18 months And am now getting a bit worn down, I have been trying to make sense of the consumer credit agreements regs 1983. so if anyone can give me an idiots guide to it pointing out the relevant parts to credit cards. and translating it from gobuldy gook to plain English I would be very grateful. Also if I can manage to post a copy of my agreement can someo
  11. Hi guys This is my first time so please be gentle, I have requested and got a copy of my credit agreement from citi cards, I have been researching in to how to see if it is enforceable but all the information out there is very confusing so what I would like to know is if anybody can point me to a idiots guide IE. pescribed terms. credit limit = intrest = etc. I would like to know if there is an easy cross referance so you can get your agreement and then look at excsactly what it should say and the reasons and what the lay out should be what i do not want is to be pointed to all the
  12. Hi guys just something that might be of interest regarding bad credit ratings after reduced payments, If you find you self in a position where you can no longer pay them back and you want to renegotiate the agreement remember you are the one that owes them the money so you are in the driver seat. So in any renegotiation make sure the first thing you do is get it from them that as this is a new agreement and the old one no longer exists by paying off the new agreement as promised that when it is paid that they must report to the CRA's that is paid as agreed.
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