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About Stressed150

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  1. Had the hearing for this case this am, to which the claimants rep also attended. Exchanged a few words the rep before being ushered into the court, to the effect of, neither party had anything further to add by way of evidence, and that we had each read the others WS so knew what to expect..... After being ushered into the court, the judge began by grilling the claimants representative on notices of assignment, as it appeared the debt had been assigned to several different companies, there was one in particular the judge highlighted and queried whom the company was,
  2. In court with this one this morning, just a quick question Do I need to take a copy of the defence as well? I'm taking my WS and bundle and also the claimants WS and bundle
  3. In court in a few days time with this one, and last minute nerves have kicked in, what do I do if the judge asks whether it's my signature on the application form? Do I go to the court in formal business dress?
  4. Hi can anyone please advise if I need to amend my defence? The only defence I have submitted is online, the says the claimants poc are cafe abd generic in nature (I believe it's one of Andys templates). Also, feeling extremely nervous about this as day is getting closer, I absolutely can not afford to have a CCJ against my name under any circumstances, therefore if the claimant wins the case, can I dispute the fact that the account is made up of unlawful charges and PPI? This adds to over half the balance on the account. Thank you
  5. Absolutely. Do I need to amend my defence too? To make it similar to what is now in my WS?
  6. Lol!! No I added c. Show how the claimant has a legal right to issue a claim under equity or statute
  7. Is it appropriate in my case to request the claim be struck out based on inconsistent filing of evidence by claimant? The above is my final draft, just need a final opinion, before it is bound and sent of special delivery today. This will now reach the court and claimant one day late! Im really worrried!!! Whats the worst case scenario? In court on 24/07 Many Thanks for all your help Not feeling confident at all, just need the once over before I send this off today, many thanks Ok, off to send, just for clarification, part C I have added, show how the claimant,. has
  8. IN THE COUNTY COURT AT XXXX CLAIM NO XXXXX BETWEEN 1st CREDIT (FINANCE) LIMITED and Witness Statement of xxxx I xxxxxx, xxxxx the defendant will state as follows: 1.The claimant claims that it has now supplied me with the relevant documentation required and complied with its duty under section 78 of the consumer credit act 1974. In doing so,
  9. Any of the money the claimant is claiming and the costs it is claiming Do I need to include a background to the claim section? If I do this do I need to include the original defence etc? Also is it recommended to include my WS that I used for summary judgement? Many thanks
  10. The final, final, final draft, which I need to post today, to reach the court and the claimant today somehow, otheriwse I risk the claim being struck out? If I could get the once over on this befire posting, that would be fantastic.Also just to confirm, the debt does not become statute barred if a claim has been issued before the date it is due to become statute barred? For example, this debt would have been statute barred as of feb 2015, however MCOL claim, was issued in 11/2014. IN THE COUNTY COURT AT CLAIM NO X
  11. Final, final draft, if someone I could get tyhe once over on this that would be amazing, also, if I refer to an exhibit which is enclosed my bundle, however was originally provided by the claimant for example a statement, and is therefore referred to as " I refer to the statement enclosed by the claimant" Do I refer to their page x or my own page x? Many thanks in advance IN THE COUNTY COURT AT CLAIM NO xxxxx BETWEEN
  12. I'm only hand writing the page numbers on the documents to be used for evidence, as I don't have anyway to type up numbers on photocopied pages. The default notice as per page x does not comply with section 88 of the consumer credit act. further to this as per pages x to x of statements enclosed by the claimant it is evident that unlawful charges and interest continued to be added to the account after it had been terminated. Andy, do you think the above is sufficient? Also do you think the draft WS including this paragraph would be ok? Any further suggestions would be much appr
  13. Is it frowned upon if I hand write the page numbers ? I'm really concerned as my WS will reach court and claimant 1 day late,
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