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ThornF

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About ThornF

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  1. I will do both the tool bar and donation, Thanks for all your help and support dx
  2. Thanks very much everyone, Got back from court was very quick, i was very nervous expected it to be alot worse. I pointed out about the default notice and terms and conditions, the Judge asked if the in the terms and conditions does it say they have to serve a default notice, to which i said well thats just it there is no terms and conditions as they have failed to provide them. The judge dismissed the case mainly based on there being no default notice. Very happy that its all over with Cant thank you all enough
  3. Court in the morning thanks for all your replys i probably would of given up without your help, hope the case goes my way, i will update tomorrow
  4. Hi, The court date is fast approaching next week, Slightly nervous i must say as i have never been to court and do not know what to expect. I am assuming I'll be given a chance to speak? What points should i focus on and hows best to approach them? These are the points so far is there anything else i am missing. No default notice No t&c's on credit agreement The credit agreement is undated Am i allowed to write some notes and take them into court? Sorry for all the questions any advice would be greatly appreciated. Thanks
  5. I didnt request the default notice in the cpr unfortunately i think i was under the impression you could just request what was in the particulars of the claim, will that affect me now as i still mentioned it in my defence?
  6. No t&c's have been sent to me there supposed to be on the back of the cca but there not. I will check my paperwork to see if i asked for the default notice
  7. 1.I received the claim xxxxx from the Northampton County Court on 27/07/2017 2.Each and every allegation in the Claimants statement of case is denied unless specifically admitted in this Defence. 3.This claim appears to be for a Loan agreement regulated under the Consumer Credit Act 1974. 4.It is denied that the Defendant has previously entered into an agreement with Morses Club Limited for provision of credit. 5.The Claimants statement of case fails to give adequate information to enable me to properly assess my position with regards the claim. 6.The Claimants stateme
  8. Yes i rang the court in the hope that they didn't pay the fee but yes they paid. If they was to win and i got a ccj will it be alot more then they have claimed with the costs?
  9. never been to court before, i have no idea what i am relying on Here is the letter i received from the court. Thanks court directions.pdf
  10. yes going from the documents sent i think this was the 6th loan from morses, i also had other agreements with other company's at the time including payday loans just trying to upload docs now Thanks for your help i appreciate it
  11. Ill upload all docs now, here is my witness statement which is probably not that great I MR xxxxx OF xxxxx being the Defendant in this case will state as follows 1. I make this Witness Statement in support of my defence in this claim. The matters set out below are within my own knowledge, except where I indicate to the contrary. 2. On the 03/08/2017 I made a written request to the claimants solicitors, Moriarty Law of 15 Old Bailey, EC4M 7EF, requesting that the claimant provides all documents in the statement of case [EXIBIT A] 3. On the 03/08/2017 i sent a formal
  12. Hello thanks for both your reply's Last payment made according to statement of account - 14/03/2013 I have never made any written contact acknowledging the debt. Claim was issued 26/07/17 Thanks
  13. Hello everybody first post on the forum I would like to know if its now time to give up and accept the CCJ Looking for some advice on how to proceed with a county court claim that has been issued against me. The case is now in the final stages with witness statements already been exchanged and the court date set for the 8th February. here is what has happened so far - Claimant - Merligen investments limited Claimant solicitors - Moriarty Law Amount claim - £281.28 Original creditor - Morse's club loans Issue Date: 26/07/2017 Particulars of Claim:
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