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annabella7

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About annabella7

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  1. Yes I agree with you there, however I was just curious first regarding what's recorded on his credit file. Yes he can still be taken to court by bank. He will need as much information as possible. If a debt has been sold on.etc He will need to respond to a claim and ask for extra time to prepare his defence. The more times a debt has been sold on the less chance they have of success regardiing a claim against you
  2. Hi Under circumstances it's a pity you paid anything as would be statute barred by now. Accounts are state barred from the last date any payment was made and recorded on your credit file. They have pulled a fast one, under their own rules, by consolidating all outstanding amounts into one. What is on your credit file ? Does it say Consolidated Loan or what ? Or has it cleared now from your report. If it's not showing up on your credit file.......then that's it your are home and dry. Consolidated debt is not factually correct or even accurate in your circumstances.
  3. Hi just wonder if the letter received from RBS concerning my residency for tax purposes is genuine. Forms to fill out and wondering why they have sent it . Thanks
  4. Hi Hopster, My claim started with Ratio back in Feb 2009, then passed to Emmetts and now Mc Kay Law. The assessment of my application /agreement with MBNA has exposed breaches and I was informed that the agreement is unenforceable. So therefore I need to confirm that I am willing to go to court on a no win no fee basis. I am supposedly only liable for court costs. However I am insecure about the whole thing. Mc Kay Law want 295 pounds for that. I have heard that is is better to be a defendant than the Claimant in these cases. My credit card was taken out around 2001. It wa
  5. Just wondering also. I had dealings with ratio money, passed on to Emmets and now Mc Kay Law. who want money off me for court fees in order to take MBNA to court on my behalf. I am not sure what to do really. This no win no fee deal has strings attached that could be costly
  6. That is certainly one way around the problem. Banks are known to use dirty tricks and are not as high on intergrity as most people would like to believe as I and other have found to our costs
  7. hi, its not wise to sign the request because banks have been known to lift and copy signatures.They may not have your signature elsewhere in their files
  8. Hi The Mould, You are a fantastic human being to help me out like this and so late too. I cant thank you enough. So sorry you lost you additions and the time you must have spent doing them. So gratefull to you . best regards Annabella7
  9. Hi The Mould I am so sorry its so close together, but allowing for the rough draft that is the bones of it I am suffering brain damage now . will check late going for coffee ,Best Regards Annabella7
  10. Amended to Defence to Amended POC . I am the Defendant in this action and make the following statement as my Defence to the Claim made by HSBC Bank Plc . I spent many months preparing a Defence and corresponding with the Claimant and in the light of my Defence the Claimant decided to amend their Claim. . The First Amendment made by the Claimant has materially altered the Claim. The initial Claim from NCCBC was dated 24/03/10 and I quote for 'the balance outstanding under a Bank Account Facility the Claimant agreed to maintain for the Defendant. It was a term of the 'Bank Account ' th
  11. Hi The Mould, I hope you can be patient with me today I had major computer foul up so had to start from scratch. this ia rough draft and unfortunately I will have to type out here. Thanks again so much for your patience.I still have tomorrow and part of monday to finish. Kindest regards Annabella7
  12. Evening The Mould, Again!! thank you so much for the reply, and the infomation is appreciated. I am spending all available time working on tmy Defence. It is certainly not my area of expertise, and I am nervous on strange ground. However I am sticking to my guns in the belief that it is the right thing to do under the circumstances. One small question........how long between putting in final Defence and going to Court .......Aprox ? Thanks Annabella7 Regards
  13. Good afternoon The Mould, Thanks again for the info. You are a brilliant help. All my communications are now coming from DG. Passed from MCSL from First Direct/Hsbc. I do not think that I received a copy letter of Deed of Assigment . i will have another look through bundle.. My Defence is going to be centered around the created bank account. The amendments have materially altered the Claim. The first Claim as you know was for money owed under a bank account and dated 24th of march 2010. I believe that they have amended a Claim that was unlawfully drafted in the first place. Atte
  14. Hi The Mould, Great insight !! thank you so much for getting back to me and for the enlightlement on the subject matter. I will get stuck in now and have good read up The created account was refered to in a sort of incidental way / brushed over just for admin ...and still exists as a reference no to a savings account connected with this Debt... However and this is the main reason I have dug my heels in with DG. Circumstances change overnight and I was experiencing a rough patch, however I was never out to wrong anyone or to decieve. In any case DG have caused me Damage I could not
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