yes, terrible attitude I take it they still get a days pay win or not

ind

it was the debt buyer, im not sure if I can claim for ppi now or wait until the 3 months is up

I had a case heard last week it had been going on for some time, I fought the case with the info and help I got from this site, they claimed 5.5k, as far as I knew it was a disputed debt -the paper-work I requested despite 2 adj never materialised, when cross examined I hadn't received anything they claimed had been sent, I had a statement showing £40 per month for ppi also, a letter when I tried to claim after serious accident stated, they would only reduce my monthly re-payment, only thing ruffled me at court was when he asked if id contacted the ombudsman I replied, as far as im aware I complied with everything required. in the summing up the judge said happy defendant had agreement used card ran up a balance however on the agreement the box is ticked ppi they wouldn't pay when I needed as was self employed so was white elephant ruled in my favour, ppi miss sold reckoned im owed 6k, gave them 3 mth to prove any difference also£90 costs... this had been going on yrs with different dca's im not the cleverest person on computers or paperwork. the help and information from this site has been invaluable many thans for your time and patience.. I will certainly be making another donation this week

yes was filed correctly got email back from court also the solicitors stated in their first letter

is that it at the minute then do you think

nothing at the minute dx

Issue date November 2014

defence was, I have no knowledge of any assignment could i have a copy also a copy of the agreement. .. i received letter noting i had filed defence, explained acc had been assigned on or around july2014 enc 2 letters of assignment, i replied could i please have a copy of contract/agreement. their reply stated it is outstanding balance from a current acc facility therefore, three is no credit agreement i would have had a copy of terms and conditions which governed acc, by utilizing the acc you agreed to be bound by the t+c, therefore a contract was formed.

cabot-restons

Big help thanks Andy, my sons back today im hoping he will be able to help sort the rest of typing out, its only took me 4 days to get this far.

i recently had a claim from a county court the poc are vague it simply states; On or about you owed the money under a "contract" between the bank and you for a current acc. i put a defence in to the court stating i knew nothing of this debt asked for copy of assignment also copy of agreement/contract, the debt company wrote back with copy of assignment from bank also one from them(first id saw any) it also stated a current acc has no credit agreement, terms and conditions would have been provided, once id used the account i would be bound by them this forming a contract. i did have cpl account years ago which i tried to reclaim ppi and charges, they paid out on another account but refused me on the current acc which had o/d facility, i queried this as far as i was aware the account was in dispute i was sure at the time they owed me more than i owed them which i repeated to several other debt collecting company's who all ceased correspondence, not heard any more for a good time now, this claim came out of the blue, after reading many threads im wondering if i would be right sending a sar request to the bank or to this debt collection company; also as poc says owed under a contract which they dont seem to have should i write back to the court stating this as it seems misleading to say the least, i would very much appreciate some advice which way to go many thanks