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michaellast

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  1. hi nick any updates with your claim yet kind regards michael
  2. Hi andy im just writing my witness statement now and wondered if you could help am I right in understanding that if a creditor did not issue a default notice for the default date the debt is unenforceable under section 127 and section 111 of the consumer credit act 1974 ? just wanted to make sure I understand section 127 and 111 correctly kind regards Michael
  3. hi andy quick question can I use emails between ind ltd and welcome as evidence in my witness statement because I have 3 separate pieces of paperwork all from s.a.r confirming that my payment received on account that they have proof for is 04/05/2007 and also the sale of goods which you have already explained is their asset and not a payment by myself thanks for all your help so far kind regards michael
  4. hi dx I have just received a sar back from welcome should it include proof of payments made ? because all it has is activities, comments reports, some dodgy default notice with a different date from anything else even mentioned and repo letters and that's it kind regards michael
  5. Hi Andy Since getting the letter from Northampton saying it was being transferred to my local court And await judges directions Regards Michael
  6. Hi Andy Many thanks for confirming that for me Can I use email logs between the company's in court ? I still haven't heard anything from my local court its been 3 1/2 weeks now How long does it normally take for the judge to contact Regards Michael
  7. Hi Andy Am I correct in believing that proceeds from the auction of the car do not count as payment by myself ? The only reason I ask is that I received a sar back from Ind and in the email logs between Ind and wf they say it counts as payment and therefore debt is not s.b Regards Michael
  8. hi dx thanks for help so far do you have any more information on what is happening to welcome as in regards to removing all the reports from peoples cra and also its been 3 weeks since I got a letter from Northampton saying it was being transferred to my local court . I still haven't heard any thing yet from my local court . how long does it normally take ? kind regards michael
  9. hi andy I have just been going through the paperwork again preparing for court I sent the s.79 request on 5th august they received it on the 6th august in which I received the agreement of account and also terms and conditions I did not receive the statement until the Thursday or Friday 22/23rd august from their letter dated the 21st august am I right in thinking that they have missed the 12 working day deadline set by the oft hence making the debt unenforceable ? kind regards many thanks for your help so far michael
  10. Hi Andy My credit file showed a default date of 16-12-2008 Which has now been wiped off . trying to cover up evidence I presume And welcome,Ind ltd have my default date as 06-03-2010 Which is stated 'letter' on my welcome statement and nothing is stated for the 08 date Does this change anything ? Kind regards Michael
  11. hi andy after a lot of reading tonight am I right in understanding that if a creditor did not issue a default notice for the correct default date the debt is unenforceable under section 127 and section 111 of the consumer credit act 1974 regards michael
  12. Hi Am I right in thinking and believing that a credit agreement has to be dated by the customer to be enforceable ? Please help guys Kind regards Michael
  13. hi dx my credit agreement is from before april 2007 how do I know if its unenforceable or not ? kind regards michael
  14. Hi Andy Can you help with questions in post #67 please Kind regards Michael
  15. hi andy / dx / anybody who can help I have now progressed with this issue welcome missed the original date to reply with the dx form and they were then sent a order from the court in which they received another 7 days to get the dx form returned and of course this being welcome they have now returned the dx form and also a change of solicitor form as well is there anyway that I can contest welcome getting another 7 days to return the dx as I think its a bit unfair because they clearly missed the date by a long time ? and also they have wiped the records with Experian and call credit cra so clearly trying to hide evidence but ive already printed what I needed and with Equifax the record now shows no finance company to who the file is with . is this it defo going to court ? please help kind regards
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