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Saj33

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About Saj33

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  1. Hi, Is a solictor legally required to update a credit file for repayments on a ccj? I have been paying a small monthly payment towards my ccj for last 3 years and my credit file is still showing the original default balance. I have one year left on my ccj before 6 years is up, am i legally required to make payments after the 6 year date? There is quite a large balance still left.
  2. Its a win!!!! The judge questioned the order and why the claimant did not provide all the documents as per the order, the claim was denied on that basis. I did not speak at all but as i was leaving the judge did say i was very lucky
  3. I am the courts, just awaiting the hearing. The solicitor took me into a room and tried to talk to me and i said you do know what happens at a small claims court i said yes and there is nothing else to talk about then left the room.
  4. Thank you dx. I am done researching so will go with everything i have stated above.
  5. The only other thing i have noticed is the default letter and the notice of assignment from the original creditor do not have any logos, they are not the original letters. I have never entered into an agreement with lowell, if lowell have purchased the debt, they should have all the supporting documents. I do remember gaining an vanquis account however i do not remember any balance remaining on the account. Lowell have failed to comply with the order and failed to respond to my cpr 31.14 request, lowell have had enough time to gain the documents requested. Not sure what el
  6. Hi, Just preparing for my hearing tomorrow, thank you for all your help. I will let the judge lead the hearing, so far i will argue the following: 1) lowell have failed to provide the original agreement and they have confirmed the exhibit in the witness statement is an application and not an executed agreement. The agreement looks to be pasted ( evidence of signature pasted over). 2) Lowell have failed to comply with the order 3) The screen shots showing transactions are irrelevant as it is not proof from the originating creditor. 4) I do remember having a vanqu
  7. That was them, the only thing i altered on that page was my signature. Does the pasted signature look odd?
  8. I apologise, it must have deleted the page whilst i was editing the document to remove personal details. The page with my signature is there i can upload if you want? Is there anything i should be worried about? What is the best way in your opinion on how to approach the witness statement in court? Could someone remove the attachment please i will upload once i have removed personal details
  9. Hi All, Apoligies for the delay with this, see attached claimants witness statement.
  10. Hi andy, I have filed my witness statement on time. I received an email today from litigation at bw legal with a copy of the witness statement. I will upload a copy shortly
  11. Hi Andy, To date i have not recieved the claimants witness statement, i may recieve it tomorrow which is the deadline. I have only had an offer from the solicitors.
  12. Does this read better? I ******, being the Defendant in this case will state as follows; I make this Witness Statement in support of my defence in the claim. 1. The claimant is an Assignee a buyer of defunct or bad debts which are bought on mass portfolios of debt at a much reduced cost to the amount claimed and which the original creditors have already wrote off as a capital loss and claimed against taxable income. As an assignee or creditor as defined in section 189 of the CCA this applies to this new requirement on assignment of rights. This means that when an assignee p
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