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obvious

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  1. Just leaving this here as a reminder to ask you if you've got a link to this. I was unable to find it.
  2. Right, I'm holding my horses. Let's see what happens next.
  3. ok, after reading the law gazette piece on Carey v HSBC Bank [2009] EWHC 3417 (QB), I don't understand if/how it might apply to my case? ref: https://www.lawgazette.co.uk/law/consumer-challenges-to-bank-charges-and-loan-agreements/56790.article
  4. How does this look as a response to their latest letter? Would it be harmful to my case? On the evidence you have provided after 2 years ie some cobbled together screenshot from who knows where, I believe the requirements of Consumer Credit Act 1974 c. 39Part VII Default notices Section 87 have not been met. That screenshot can not be evidenced to Sainsburys accounting services software and is possibly recreated to fit the claim. In any case, evidence of a default is not evidence of service and does not satisfy section 87(1) Further, you have not provided an entire original agreement, just one page. The remainder is simply a stock printout. With regard to Section 61 1(a), Section 127 1(a) and Section 65 (1), an application form cannot be an executed agreement unless its returned back to the applicant after application and executed with all the prescribed terms. I believe that the case does not stand on its own and that even in the event of a district judge finding otherwise, there may be the possibility of an error in law if failing to consider the above.
  5. Well this is stressful Perhaps it would be useful (or at least cause no damage) to write to them raising the points you've made in the last few posts?
  6. I understand it would not indicate advice but if it were you, would you let them make the next move?
  7. I'm not great at interpreting legalese. Is there wiggle room here for the judge to uphold their claim? Would this potentially be an error in law?
  8. For reference here's 87 from http://www.legislation.gov.uk/ukpga/1974/39/section/87
  9. Attached agreement. They only included one page of the actual agreement. The rest seems to be a stock copy. Edit: pdf upload failed. Only 2MB. Trying again Edit 2: It's giving me error -200 so I'm uploading to google drive. Hope this is ok. Agreement link:- https://drive.google.com/open?id=1djx3qpQ629xE8I8UG5LD0SZJRko-RCV9
  10. Sorry Andyorch I'm browsing on mobile and post #64 is different. This is what I see. I'll upload the agreement as PDF shortly...
  11. They have provided a signed credit agreement. Not sure how that links to post # 64
  12. I received this letter dated 02/05/19 Same question as usual. Should I respond? Thanks!
  13. I've been trawling through manually and searching on 87.1, Cabot, dismissed, default notice, default summary etc and various combinations. No luck at all and I'm normally OK at this stuff.
  14. Sorry, I haven't succeeded in finding the dismissed cabot claim in legal successes. I do like your advanced search tool btw but it's not doing it for me. Garbage in, garbage out most likely.
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