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SaveTheSheck£es

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  1. Hi Sidley, I had no signed agreement in one of my cases too .. but the Judge allowed reconstituted docs to stand .. these reconstituted docs did not even hold my signature. It was the DN notices that won day for me in both my cases. I had stated the reconstituted agreements were just generic and also proved certain facts stated did not even relate to same era, but Judge stood firm the reconstitutes were allowed, whether that may be .. as Judges had already decided I was going to win the case on the NO DN ISSUED point, i will never know.
  2. I went to Court thinking i had good points to contest where the agreement T&C's were concerned, I contested a few points of the said agreement in both my cases, i said I did not agree the said agreement met the prescribed terms of a legal binding agreement, i argued this point in both my 2 cases. BOTH Judges ruled .. the reconstituted versions were allowed to stand and were accepted, due to the history and records of the years of payments i had made the Judges both said .. in all possibility an agreement existed in both cases. As you know in the end for me the DN's fe
  3. Thank you Brunowales If any info from my experiences is useful to anyone, then it makes it all worthwhile to post on CAG i say. I would never ever of had a clue without CAG's help, there are so many threads you can always read to get a feel of how things seem to generally go, I must admit by reading many similar threads to my own cases i got a good feel or gist .. well def a thousand fold better than the knowledge i had before finding CAG With both my cases the Judges both jumped very quickly on the DN issues, tbh .. i was more than impressed how quickly the Judges had
  4. the agreements were 2001 and 2000, I went to Court to contest the agreements and the DN, But early on into both my hearings with both cases . . both Judges ruled . . in all possibility an agreement existed as i had been paying for many years, i asked how can the documents that do not contain the prescribed terms be valid? The judge stated regardless there was no signature of mine in 1 of my cases, the reconstituted versions stood, when i queried but there are 2 different versions supplied so how can both be genuine? Because the 2007 revised terms are version 2 a
  5. Hi Sidley, I have just won my case against PRA Group who were a DCA an assignee from Halifax. http://www.consumeractiongroup.co.uk/forum/showthread.php?458846-PRA-claimform-old-Halifax-Card-debt-***Claim-Dismissed***
  6. Hi dx, Very kind ty .. I did write the WS true .. but with much excellent guidance though
  7. Thanks Andy No words can do you guys enough justice, hard to put into words my gratitude
  8. UPDATE: More fantastic news Case dismissed. Based on 1 Key factor .. NO DEFAULT NOTICE ISSUED The judge commented and how good my witness Statement was and failed to accept the claimants argument .. A DEFAULT NOTICE MUST HAVE BEEN ISSUED, and big companys normally shred documents after 6 Years The judge stated .. considering how articulate my records were and how well presented they were, the judge decided in my favour. HOW NO COPY OF ANY DEFAULT NOTICE HAD BEEN PRESENTED to me after i had made a CCA and CPR 31.14 Request and also NO DEFAULT NOTICE IN CLAIMANTS W
  9. Claimants Witness Statement I Received today, NO DEFAULT NOTICE provided. Generic Agreement with my name and address at top .. BUT NO SIGNATURE .. signature box is blank. Where no Default Notice has ever been issued from original creditor, is that even stronger defence than being presented with a defective 1??? Many Thanks
  10. Hi Andy, Many many thanks can't thank you guys enough, All the very kind help from the CAG community was what got me over the line, especially yours and Dx prompt responses and all the time you kindly both spent looking over my many docs and correcting, pointing, guiding in the right direction. You guys spent so much time explaining all so much to me along the way I remember when i read my 1st threads on the CAG forum and thought no way will i see this through to the end .. so much to absorb as a noob. You guys installed confidence from the off and this was the main fa
  11. Witness statement sent .. RoyalMail guaranteed Next Day Delivery with proof of signature Be interesting to see if i receive theirs tomorrow as that the last day in the time span should have received by.
  12. Hi dx, I can confirm it was the faulty DN that deffo won the day Your advice and Andys were perfection Absolutely over the moon, 1 case to go in 2 weeks and in that 1 NO DN was ever issued
  13. Absolutely over the moon here Bazooka It just goes to show when i started this thread i was sure because my signature was on an application form it constituted a credit agreement, but being asked to upload all docs and then being told they were bog-roll astounded me when told. Dx and andy i will never be able to repay their help, all was bang on to the letter so to speak!! Everyone's Input and myself reading many many threads as dx advised .. helped me to understand why there was good reason to contest and how to Without CAG i would never of had the confidence to defend c
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