No I don't, can I request this? Can I appeal, at this late stage as I thought 3 weeks after end of hearing to appeal.

Thanks

I found contractors in trade magazine, they provided quote in my name, I passed this to loss adjuster for approval. They approved it and told contractor to start. They issued cheques in name of contractor to me and I passed these direct to contractor. Guess you right though, need solicitor advice

What is photobucket? where do i find it?

I had a large fire which destroyed a building and its contents at the end of 2008. Legal and General Insurers. Crawford Loss Adusters attended. Crawford could not use their approved repairers so asked me to get own quotes. Quotes obtained and sent to Crawford for approval. Crawford approved works and arranged for payment to contractors from Legal and General. The building leaks and may not have been erected properly! Asked L&G to repair or replace the building again, they stated that as I had used my own contractors then I was responsible. I complained to Ombudsman, interim decision is that insurers are correct. The contractors and myself are liable for repairs. Any suggestions on contract law?

Sorry been following threads, to be honest do not rely understand. However as requested POC and Judgement. Basically Judge stated that S.78 did not apply. No credit agreement sent although requested. Cabot applied for and got interim charging order. Final hearing end of September. Judgement has typo, amount owed is £11981.98. In plain English what can I do?

Hey All No I do not work for Cabot, just poor unfortunate that the rules did not work for. Basis of judgement, S78 did not apply, rights only. Therefore do not have to provied copy of credit agreement. So also enforceble. I now have £2800 costs on top of debt. Have made offer of payment, but need advice. I am going to refer to OFT as breach of 2008 trading regs and Sec 40 of admin of justice act 1970. Repeatedly sent info to wrong address. I really need help, somebody anybody. Cannot afford to go to appeal anyway 21 days now up. Can I apply for judgement to be set aside, the DJ clearly got it wrong. Case was heard in North Wales, witness held up on M6 (Cabot Solicitor), she (DJ) waited for 2 hours to allow him to get there. Instead of can't do that etc, not right. Can somebody tell me what I can do to get out of mess.Please help!!

poc states; The Claimant is the Assignee of a Debt(s) from RBS. Credit card Ref:XXXXXXX Notice of assignment haven been given to the Defendent in writing. Despite demand for payment £XXXX.XX remains due. The Claimant claims £XXXX.XX and interest under s.69 County Court Act 1984 and costs.

Yes, Morgan Solicitors and £600 Barrister added to costs. will add POC shortly

It was a tough one, 3 hour hearing, up against formidable Barrister. Seemed like everything was in their favour. Witness was over 1 hour late (Solicitor for Cabot). Judge waited for him to arrive. Still think only and best option is to contact OFT

Sorry do not have agreement or default notice from RBS. Agreement requested under S78, but not required or provided as S189 was rejected by Judge. Will post POC tomorrow. Thanks:???:

Some would say so!!! How do I do this and under what argument?

Not creditor under Sec 189 as per sec78 rolling credit agreement

My error. bought title and rights not duties

Recovery action by Cabot for RBS credit card debt, sent all of the posted letters, i.e. account in dispute, section 78 letter etc. Went to Court and lost. Do not have formal judgement but in essence. Cabot not creditor under section 78 as debt bought in title only, not rights. CCA not supplied even though they said they would, judge stated did not matter. Notice of assignment sent to wrong address and all correspondance to wrong address, judge stated did not mater as sent in essence to last known address, anyway was submitted in trial papers 4 weeks before case heard. Trial bundle not submitted until day before against CPR of 5 working days so could not get legal advice, offered adjournment which I declined but reduced costs in case. Debt and revised costs in favour of Cabot on open order for 14 days. Told me to make offer in interim for installments. What can I do, can only think of report to OFT for breach of sec 40 of evidence act 1970, sensitive data sent to third party i.e wrong address despite being informed of correct address at start of contact. HELP