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BT2505

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Everything posted by BT2505

  1. Hi all, just a quick update. I have received nothing at all from them or the court - no news is good news I guess??
  2. I thought that if they don't decide to proceed within 28 days of receiving my defence then the case would be stayed?? is that not the case?
  3. Keep the faith Alloyz someone will be along to help.
  4. Nothing to report - over 28 days since defence was submitted.
  5. Hi Smug, thanks for the wishes, no news yet.....no news is good news in my opinion! I know they have up to 28 days to decide whether to proceed or not before it gets stayed so not counting chickens at the moment. However it will be interesting to see how they explain my "signature" being not of my handwriting if they decide to go forward with it:wink:!
  6. Ok thanks Andy for all your help. I will keep in touch with updates when and if they happen.
  7. Well, now we wait - I have entered my defence online - am I right that they will contact the claimant with a copy of the defence or should I email Aplins with a copy
  8. Andy just checking, my original requests were sent to Virgin as they had issued the card - does that matter?
  9. Wow thanks so much for the help Andy - that is amazing. will check and if necessary ask questions but all looks good from my end.
  10. Andy, no need to apologise, I was just getting a bit twitchy. I am available all Monday am so will keep watching and waiting to see what your tweeks are to my bare bones defence. Thanks again
  11. Hi Guys, I know Andy is busy (and has his own life!) and I am very grateful for the help so far - however, my defence is due Monday 24th and because of the lack of time to post it by snail mail, I will need to enter the defence via MCOL (hope its working) either over the weekend or Monday at latest. Assuming I can do it on Monday and not it has to there by Monday..... Should I hold my nerve and wait for Andy's welcome input or put in the defence online before Monday. Any help gratefully received.
  12. Hi Andy Ok, looking back through paperwork here are the dates. I wrote to Hillesden 28th May 2010 asking why they refered to MBNA as their client since they aquired the debt in Nov 09 - they replied 12 July 2010 with app form dated 10 Feb 05 with my sig, T&Cs and some statements. I wrote to Aplins 5th April 2012 (in response to LBA dated 30 March 2012) they replied 19th April 2012 with app form dated 10 Feb 05 with my sig, T&Cs and some statements. I wrote to Hillesden 23rd March 2012 they replied 2nd April 2012 with app form dated 10 Feb 05 with my sig, T&Cs and copy
  13. As you would expect - I like the sound of that Andy Defence is due on the 24th June if my calcs are right. Issued 22nd May?? Will dig out dates and post up - thanks for your support....I really appreciate it:hail:
  14. Andy All from DLC/Hillesden - never got any response from MBNA although I know that is not uncommon. So any alterations have come from them imo. I will have to look through the paperwork to get dates. Don't think we can trace who did it though as I have a series of letters from different team leaders all with the same signature?? Give me a few minutes and I will check dates of application forms and T&Cs received in response to my requests for agreement paperwork.
  15. Andy you are amazing - working like a Demon on quite a few posts in this forum I can see! There are 3 application forms with my sig and date of 10th Feb 05 and one with an attempted sig and the 16th Feb 05:!:
  16. ps just found another app form with a date different from above so three with same date one (CPR) with above date. Also looks like all different T&Cs
  17. Hi Andy, as requested the POC are as follows Verbatim: The Claimant's Claim is in respect of a credit facility, xxxxxxxxxxxx provided by MBNA at the Defendant's request on 16/02/2005. Failure to meet requests for payment resulted in the account being defaulted. On 28/11/2009, all legal and beneficial interest for the monies was assigned to Hillesden Securities Ltd. The Defendant was duly notified in writing of the assignment and that a balance of 16632.21 was due. The balance of 16632.21 remains owing from the Defendant.
  18. Sorry Andy, I thought the general rule was to remove the personal details so people "watching" couldn't put 2 + 2 together!
  19. Hi Andy, the POC are as follows: The Claimant's Claim is in respect of a credit facility, xxxxxxxxxxxxxx,provided by MBNA at the Defendant's request on xx/xx/xxxx. Failure to meetrequests for payment resulted in the account being defaulted. On xx/xx/xxxx,all legal and beneficial interest for the monies was assigned to HillesdenSecurities Ltd. The Defendant was duly notified in writing of the assignmentand that a balance of £xxxxx.xx was due. The balance of £xxxxx.xx remains owingfrom the Defendant. Left out dates and amount for anonymity but(obviously) I will supply if required.
  20. So defence looks likey this then?? Defence: 1. Paragraph 1 is admitted with regards to the Defendant entering in to anAgreement referred to in the Particulars of Claim ('the Agreement') with the MBNA Europe Bank Limited. 2. Paragraph 2 is admitted but it is denied that MBNA ever served a DefaultNotice pursuant to the CCA1974. 3. Paragraph 3 is admitted regarding the Notice of Assignment. The Claimant isput to strict proof to: (a) show service of a valid Default Notice and proof of delivery (b) show how the Claimant has legal right by way of
  21. Thanks goodness someone has a clue what is supposed to happen - I don't!
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