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About dean64

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  1. Thanks DX. Your a lifesaver. Thanks Manxman. Everybody stay safe.
  2. I was travelling through a roadworks with a temporary speed limit of 20mph. There is a gatso fixed speed camera within the roadworks signposted 40mph. I mistakenly went past the camera at 35 to 40mph thinking that the 20mph limit is after the camera. After driving back the temporary 20mph limit is definitely before the 40mph gatso. Have I been fined?
  3. Would it be worthwhile to have the claim struck out and be able to claim costs i.e. postage, letter writing, research time etc. Or maybe better to just let sleeping dog lie. Any advice would be appreciated.
  4. Just phoned the court and they have not heard anything from the claimant. So I think that means it is now stayed. So what now?
  5. Sorry about that. Have removed barcodes. Even the statements they have supplied are not copies of originals. They are all marked 'peoples banks, connecticut'. I have all the originals and they are all marked 'Citifinancial' and a different address. They have just printed my account details on current stationery. My defence was received by the court on 19/1/2015. So I will just contact the court after 16/2/2015 to see if anything else has been filed or if it is stayed. Many thanks Dx.
  6. Just received a reply to my CCA request from Cabot including a copy of an agreement and copies bank statements. Copy of their letter attached below. They admit that it is a reconstututed agreement and is actually just a generic copy with no signature. So does this comply with the CCA request? If so I assume that the original will have to be produced if there is a court hearing. So do I just keep this for my records and do nothing. Or should I send some sort of reply?
  7. Just filed my defence today. Probably receive a DQ shortly. I understand that it will be automatically stayed if the court has no response for 28 days. Is that 28 + 5 days for service or, just 28 days? Is it possible rectums will take this further without a signed CCA and NOA? Or will it be stayed indefinitely unless they come up with the original documents? :smile:Many thanks in advance.
  8. Thanks. I cannot see what they can do unless they produce a signed agreement at the last minute. I have been asking for that for nearly 6 years and nothing. So a fairly good chance I think. Failing this, I am long term sick and disabled. My income is quite low and if they win should be able to settle on a few pound per month, hopefully.
  9. Yes, I am quite happy with this. I think I will submit it this weekend.
  10. I have been comparing my defence with other threads in the forum and thought that I maybe should replace point No.2 with the following: I am more happy with this but unsure. Please, if you could help Andyorch or anybody.
  11. Thanks dx and andy. Your help has been invaluable. Will let you know how I go.
  12. Yes, I know but thought I would prepare the defence in advance ready to file next week as might be too busy then. I have had acknowledgements to my CCA request and 31.14. Going by other threads that is the end of it until I file my defence. Unless I hear anything else is this defence ready to file as it stands?
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