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About catsfella

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  1. Hi, it's been a couple of months since I had much through. I have now had a letter from restons. I think they have got confused with my other claim which Restons are also dealing with. On the other claim I am going for statute barred and it seems this letter is partly dealing with that defence and not this claim. On the third paragraph it says "Please note the transaction log details all activity on your account and can clearly see the last payment made in respect of your account as being on 04/01/201" Could this be some cunning plan to confuse me?? I'm su
  2. A few days ago I got a letter telling me to sign the letter I sent for my cca request. I take it I'm shouldn't sign one as they will then have my signature. I'm just a little worried they will keep refusing to send it and say I've not cooperated if I don't
  3. Hi, please could someone take a look at my defence, it has to be put in today. I have taken this from another thread and only made slight changes to number 5 and also the lenders name. Particulars of Claim 1.The claimant claims payment of the overdue balance from the Defendant(s) and MBNA dated on or about October 06 2003 2. And assigned to the claimant on Dec 20 2001 Particulars a/c no. 444444444555555555 Proposed Defence 1.The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and
  4. Many thanks for the info Ford and Renegadeimp. I'm a bit concerned it may be two months/missed payments which has me sailing close to the wind but hopefully they'll just leave it. I haven't heard back from anyone yet except from the court saying my defence has been passed to the claimant. Finger crossed
  5. This site is fantastic and it's users and the people that share their time (even on New Year's Day)and knowledge are quite unbelievable. Without your help I dread to think how different my financial situation and mental health would be!!! I shall certainly be making a donation as way of thanks. Have a great 2016 everybody!!!
  6. Thanks again Ford, and all the best to everyone!!! So if I go for statute barred and it fails can I then say there is a problem with the credit agreement later or do I need to mention it in my defence?
  7. [ATTACH=CONFIG]60753[/ATTACH] The main agreement seems to have disappeared now. I didn't realise there was a problem, thanks Andy
  8. Thanks Ford Ive got to put my defence in by tomorrow Im really unsure which way to go on this. Its a safer bet with SB than my other thread as on this one a payment was missed over the six years ago but still is down to the judges interpretation. I think that the signature document on this is also unenforceable but would really appreciate it being looked at. I even think that this has been made fraudulently as the box headed "the agreement' has the right hand side cut off quite obviously , plus the rear of the doc is just reconstituted t&c's.
  9. Mikeymak - just checking but can you see two pages on the signature doc I posted with the signature on or just the t&c's? - I'm really hesitant to go statue barred on this and think that the signature doc isn't enforceable anyway which is why I stopped paying. There are a few more t&c's which I will put on Ford - the default date was 09 March, I've just realised in the opening part of this thread I put this as the date of assignment by mistake. Yes the last time I paid was in December so I only missed the first payment in Jan. I think this really means it's not quite SB, so I real
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