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The Other Snowdog

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About The Other Snowdog

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  1. The judge said the issue with the default notice 'was enough to strike out the claim on its own'. I pointed out the flaws in the recon, which were the incorrect address and also the incorrect creditor name and address (!). I The judge obviously took those flaws very seriously, and the claimant was unable to offer anything to counter. I think the statement of account issue was just the icing on the cake, but nevertheless it was a factor in the decision. The claimant asked for an adjournment to enable him to serve a default notice and to obtain statements to bolst
  2. Hello everyone. I had my hearing today and the claim was dismissed. The reasons for dismissal were: No evidence that a default notice had ever been served. A non-compliant reconstituted agreement No statement of account showing how the amount claimed had been arrived at I can't thank you enough for the help and guidance you have given me over the past few months. I will of course be making a donation to the site to help ensure you continue to offer guidance and assistance to others in the future. Thanks again!
  3. Thanks for your comments Andy. I've been reading a lot on this subject, as you can imagine, and there seems to be a bit of disagreement about unenforceability under s61. My understanding is that for an agreement to fail to comply with s61(1)(a) the defendant has to make a positive assertion about the original agreement, not the reconstituted agreement. The reasoning goes that a recon can be 'repaired' by correcting the missing or incorrect information, but judgement cannot be enforced whilst the claimant is in breach of s78, whereas the original agreement was what it was and cannot be 'repaire
  4. Agreed, Andy, based on the docs they have submitted with their witness statement. Regarding 127(3), given the apparent flaws in the reconstituted agreement they are relying on in Court, how far can 127(3) reasonably take me? My defence is that there are flaws in the reconstituted agreement but how does 127(3) help me with that? I don't want to appear to be clutching at straws on the day, so I'm wondering if my best route would be to avoid the 127(3) argument and concentrate on highlighting the flaws in the agreement. The downside is that this may only result in a stay pending further info
  5. It's the bit about failing to make repayments. I have acknowledged that I had a card but have no recollection of any outstanding amounts. It is there in the witness statement so I don't think I can just ignore it.
  6. Just putting the finishing touches to my notes for the hearing. I'm looking at the claimant's witness statement, and point 5 states, 'The Defendant had the benefit of credit facilities but failed to make contractual repayments'. How can I deal with this without it being deemed a bare denial?
  7. Andy, I've been looking for something to quote in court regarding this, but I haven't been very successful. Is there anything that definitively states that Carey only applies to agreements after 2007?
  8. I agree with you, Mercyblue, regarding the route to take in defence, but there is a further statement at Carey 61, which goes on to say “Having decided that question, there is the consequential question of how the creditor is to provide the original name and address. Consistent with my finding on Issue 1 (a) I take the view that it is open to the creditor to provide the name and address within the reconstituted copy from whatever source it has of those details. It does not have to take them from the executed agreement itself, which is what Mr Uff and Mrs Thompson contend. The difference b
  9. Would I be able to go as far as to say that I could not have signed such an agreement? Would it not be sufficient to challenge the accuracy of the recon agreement because of the missing required details?
  10. Yes Mercyblue, that's correct. They got my name right on the covering letter and in correspondence but it doesn't appear anywhere on the recon agreement. DX raised an eyebrow about my name being omitted from the agreement also, but it wasn't until I read the full transcript of the Carey case that I understood what he was getting at. However, if you are correct when you say that the claimant will only be able to submit a purportedly true and accurate recon agreement once, then it does perhaps offer a glimmer of hope.
  11. Regarding the issue of recon agreements, how can the claimant prove that the recon is true and accurate without an original to compare it to? Will the judge simply take their word for it? The only thing I can see wrong with the recon agreement is that it does not contain my name and address at the time the agreement was executed. But even if the case was stayed on that basis, which I very much doubt, the claimant would simply go away, add my name and address and start the process again. From what I have been reading, it seems that a s.78 defence is not in itself sufficient to prevent
  12. So will that be accepted by the judge Old Cogger? Also, is it the case that the defendant has to make a positive assertion that the original agreement was unenforceable because of whatever reason? For example, incorrect interest rate, or the copy presented is illegible?
  13. So if that is the case, and Carey v HSBC doesn't apply, then the claimant must need to produce an original signed agreement, and even if Carey v HSBC did apply they would still need to produce a reconstituted agreement with my name and address on it? Either way it would seem they are falling short of what is required to be able to obtain a judgement. Would you agree, or is it not that simple?
  14. Apologies everyone. I have a basic understanding of Carey v HSBC. It is on my to-do list to study this case a bit more in depth. From what I can ascertain, whilst the case allows a reconstituted s.78 agreement, it must contain the name and address of the debtor as it was at the date of execution, but even without such an agreement the contractual liability of the debtor remains. What that last part means in practice however I am unclear about. If the judge rules in my favour and strikes out the claim, surely that is game over for the claimant? Alternatively if the
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