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bigtrouble2017

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  1. I submitted a defence in an edition to my original. Their reply is included in the attached pdf. Any thoughts. Your help is much appreciated. Latests - Restons.pdf
  2. OK, but I'm disputing the figures in the 'Default notice' and the fact that it does not tally with the breakdown in the spreadsheet, so basically "how was the figure in the 'Default notice' calculated?'. Also disputing the credit limit in the Default Notice which has no proof of starting credit limit and ending credit limit.
  3. but the N1 shows 'Court fee' of £185.00 and 'Legal representative's costs' of £80.00 which total £265.00. Are you saying this still has to be accounted for in the their statement?
  4. Pre Default Notice - Until 15/02/2015 - last transaction 5 days prior to Default Notice. Total I get at £3260.72 Post Default Notice - From 12/03/2015 to 15/03/2015 and 24 days after Default Notice. Total I get at £3369.33 Does this bring into question the spreadsheet? The amount was always in dispute with the original collector Moorcroft along with the Credit Limit, as Vanquis had expressed to me over the phone that they would not charge interest and would freeze my account so as not to incur any more charges. (Hearsay I know) Totally get you're busy, so no worries
  5. I took another look at the spreadsheet that they are using as evidence and there is clearly a discrepancy in the figures, which doesn't equate to the 'Notice of Default' figure. I'm guessing this can be an edition to my defence? Thanks again.
  6. my last upload was the only extra information in respect of their 'Particulars of Claim'. They did send the same copy of the credit agreement but only the front and back and the 'Default Notice' again and the spreadsheet of transactions, although this now showed credited amounts in red but no reference to the original lender. Also a 'Welcome to Cabot' letter dated the 7th April 2016. Also whether this has any relevance, in paragraph 6 the claimant states that “Vanquis assigned it’s rights under the Credit Agreement to the Claimant on the 11 March 2016”. This was act
  7. is there any advice you may feel is significant that you can give me that may help in this case above and beyond my original defence? Thanks
  8. yes absolutely right. There is still a discrepancy if my calculations are right with the amount via the spread sheet and the default notice? Also would I expect to hear something today as Claimant cutoff was 4pm Yesterday? Thanks again.
  9. Sorry Andy, on the first page just below 'Dear Sir' I had blacked out some info which included the current balance of £3913.91. My mistake.
  10. Hi Andy, some of it does seem vague. The claimant’s amended particulars of claim for the amount of £3,913.91 fail to disclose a full breakdown of costs, either from the ‘Spreadsheet’ of transactions or from the ‘Default Notice’ Calculated amounts in spread sheet do not tally with the default notice. In reference to Paragraph 4 of the claim breakdown the sum of £3,394.13 does not reflect the claimants claim in Paragraph 8. There is no account breakdown for the difference for the “outstanding balance of £3,285.30” mentioned in Paragraph 5 and the “Claimants claims:” fo
  11. Hi again, just a quick question but am I right in thinking that I should hear something today/tomorrow as the claimants information had to be in by the 18th May (Today)? Thanks again for all the help.
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