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MarcyKerry

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About MarcyKerry

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  1. Hi I don't believe there is any debt. The whole amount claimed was interest and charges as I have paid more than the goods were worth and there was no agreement? but as advised I will start a new thread.
  2. Just wondering what to expect now from low life's and their solicitors?
  3. Quite rightly I assume the debt however will sit there on my credit record? Can they restart a claim? Etc
  4. Hi. Outcome in my favour - case dismissed. details on "reconstituted credit agreement " didn't match and was I quote "unimpressive" leaving the judge little confidence in the agreemt. claimant didn't supply default as evidence and refused to (their whiteness testimony and mine). What happens now?
  5. Hi Andy, thanks for all your help with this, I stopped at point 7 above... Not that I can change anything now but for others reference I'd still like you optinion/ comments on the above . I'll let you know how it all goes
  6. I've drafted with the comments re payment. Easier to take off. Anyone around to check got to head off with all of this shortly. The Claimant's solicitors has failed to and refused to comply with a request for documentation pursuant to CPR 31.14 in March 2014 before the claim was allocated to the small claims track. Documents 1a and 1b The Claimant has failed to respond to a CCA Request sent to the Claimant and Claimant's Solicitor. The request was delivered and signed for at their address and the postal order cashed. Documents 2a, 2b and 2c The claim is denied with regards to an
  7. Anyone got a view on whether I do or do not state the value of goods purchased from the catalogue and value of payments made? or does this muddy the waters? I imagine I will have be asked by the judge whether there was an exchange of goods i'll have to admit ordering and receiving goods, and to be fair I'm not disputing that I used the catalogue and if I am likely to need this in court should I include this now? My annoyance is that including the inflated cost the amount outstanding was less than 1000 - I had paid over twice this much off and due to interest an
  8. Sorry I thought you meant I'd done something wrong with submitting the defence - I mis-read as that's not usually what WS means to me. Apologies.....
  9. 7) As the Claimant's Solicitor stated they were not instructed on this account and that it was with the JD Williams they could not have been acting as stated for the claimant when the claim was submitted?? 8) As any transactions made with JD Williams were not under a credit agreement, the defendant maintains no further money is owed to the Claimant. Document 5,6,7 and 8. 9) The defendant believes the claimant has no valid claim and so asks for their claim to be stuck out
  10. 1) The Claimant's solicitors has failed to and refused to comply with a request for documentation pursuant to CPR 31.14 in March 2014 before the claim was allocated to the small claims track. Documents 1a and 1b 2) The Claimant has failed to respond to a CCA request sent to the Claimant and Claimant's Solicitor. The request was delivered and signed for at their address and the postal order cashed. Documents 2a and 2b 3) The claim is denied with regards to an amount due under an agreement. The Claimant/Solicitor has refused to disclose any agreement or provide full statements on which it
  11. 1) The Claimant's solicitors has failed to and refused to comply with a request for documentation pursuant to CPR 31.14 in March 2014 before the claim was allocated to the small claims track. Documents 1a and 1b 2) The Claimant has failed to respond to a CCA request sent to the Claimant and Claimant's Solicitor. The request was delivered and signed for at their address and the postal order cashed. Documents 2a and 2b 3) The claim is denied with regards to an amount due under an agreement. The Claimant/Solicitor has refused to disclose any agreement or provide full statements on which its
  12. Ok so start with. 1) A CCA request was send to the claimaint and claimants solicitor on XX date with a postal order for £1. This was received by the Claimant on XX (see document 1a proof of delivery) and the postal order cashed (document 1b) 2) I deny signing any agreement with the claimaint or original creditor, in any case as the claimant has not complied with the Section 18 request they would therefore not be unable to enforce an agreement, 3) A SAR request was made to JD WIlliams. This information shows no signed credit agreement is present (Document 2) 4) In the particulars of c
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