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[I've got no money]

They sent you a really useless case summary didn't they - if I were you I would amend it - keep it to under 250 words - and send it back to them and ask if they agree your amendments

[underdog13]

Best of luck for the 15th of June, then:)

[pompeyfaith]

Thank You all,

 

I will get this week end out of the way first then start collating all my info.

 

Shadow thanks for the offer the reason the post is long is because Optima have made so many errors with this case its unbelievable.

 

Late filling of documents to the court and me,to which they think by just apologising to the court everything will be fine.

 

Not complying with my CPR request until end of December 08 which was 2 weeks before summary judgement so denying me my right to submit a full defence.

 

Applying for the summary judgement in november 08 before they had supplied me my documents.

 

Falsifying the Default Notice which they are in contempt of court for as they did not supply the court the original DN but the fraudulent one which also does not comply.

 

Bring the claim to court on an agreement they now say in a witness statement is not an agreement but a pre-contractual application form.

 

and finally if both DN do not comply this case should not even be in the court system.

 

Do you all agree I have plenty to go on

 

Regards

 

PF

[Gazza112]

Good Luck PF, yes you got plenty to go on.

 

Gaz

[citizenB]

Do you all agree I have plenty to go on

 

Regards

 

PF

 

Ummm, yes :grin:

[cashins]

Hiya All got new order through today is now set 4 15th june 09

 

Good luck for that.

 

In view of what has gone before, I reckon by then you will be in the mood to give them a good kicking (legally!!!)

 

David

[pompeyfaith]

You bet I will be 15th cant come soon enough.

 

Regards

 

PF

[the_shadow]

Thank You all,

 

I will get this week end out of the way first then start collating all my info.

 

Shadow thanks for the offer the reason the post is long is because Optima have made so many errors with this case its unbelievable.

 

Late filling of documents to the court and me,to which they think by just apologising to the court everything will be fine.

 

Not complying with my CPR request until end of December 08 which was 2 weeks before summary judgement so denying me my right to submit a full defence.

 

Applying for the summary judgement in november 08 before they had supplied me my documents.

 

Falsifying the Default Notice which they are in contempt of court for as they did not supply the court the original DN but the fraudulent one which also does not comply.

 

Bring the claim to court on an agreement they now say in a witness statement is not an agreement but a pre-contractual application form.

 

and finally if both DN do not comply this case should not even be in the court system.

 

Do you all agree I have plenty to go on

 

Regards

 

PF

 

haha reading all that they really should discontinue ... unfortunately reason doesnt come into it.

 

S.

[pompeyfaith]

Shadow my thoughts also but this is MBNA we are talking about here and they will throw money down the drain just to keep face and the chance they can get a moral judgment hence why they break every rule in the book

Edited May 15, 2009 by pompeyfaith

[lexis200]

Bit odd that really isn't it - they'd rather go to court (which in this case means you have bought their shoddy tactics to many people's attention, causing them to say no to MBNA too) and risk you publicly trouncing them, than quietly admit defeat and be able to happily go on to prey on others who are none the wiser.

 

I feel I'd do a better job running these places. I have no business understanding whatsoever, but I do manage to use a modicum of common sense and a reasonable degree of logic in my decisions, which they seem to lack entirely!

[pompeyfaith]

time to get a very strong and well worded witness statement into court me thinks

[pompeyfaith]

Right today to get this back on track and into perspective i am going to go though everything ive got, the shoddy agreement, the fraudulent DN, all the statements they sent me, all there witness statements etc and all mine, everything then catalog all the errors in preparation for my next witness statement.

 

The statements they have sent me, their are many missing i wonder why perhaps to conseal my ppi payments to make it hard for me to work out what ive paid ?

 

I do i have one though with the balance zeroed and another with a differant number.

 

Time to pull this to pieces

 

Regards

 

PF

[citizenB]

Bit odd that really isn't it - they'd rather go to court (which in this case means you have bought their shoddy tactics to many people's attention, causing them to say no to MBNA too) and risk you publicly trouncing them, than quietly admit defeat and be able to happily go on to prey on others who are none the wiser.

 

I feel I'd do a better job running these places. I have no business understanding whatsoever, but I do manage to use a modicum of common sense and a reasonable degree of logic in my decisions, which they seem to lack entirely!

 

Lexis, looks like we might need a new Home Secretary or Prime minister.. so no applying for top jobs at MBNA yet, please

[pompeyfaith]

Any observations i find i will post here

 

PF

[citizenB]

Right today to get this back on track and into perspective i am going to go though everything ive got, the shoddy agreement, the fraudulent DN, all the statements they sent me, all there witness statements etc and all mine, everything then catalog all the errors in preparation for my next witness statement.

 

The statements they have sent me, their are many missing i wonder why perhaps to conseal my ppi payments to make it hard for me to work out what ive paid ?

 

I do i have one though with the balance zeroed and another with a differant number.

 

Time to pull this to pieces

 

Regards

 

PF

 

 

Sound like a good plan there PF. You need those missing statements, they cant say the amount is correct without them.

[pompeyfaith]

Yes citizen something that is also odd about those statement they sent copies of copies in the same envelope two of the same and in some cases three

[joemay]

Bit odd that really isn't it - they'd rather go to court (which in this case means you have bought their shoddy tactics to many people's attention, causing them to say no to MBNA too) and risk you publicly trouncing them, than quietly admit defeat and be able to happily go on to prey on others who are none the wiser.

 

I feel I'd do a better job running these places. I have no business understanding whatsoever, but I do manage to use a modicum of common sense and a reasonable degree of logic in my decisions, which they seem to lack entirely!

 

This is an American company we are dealing with, and we all know how American's work (sorry no dis-respect to american's as individuals). Their gov't decided to invade a country against the advise of the UN, says it all really. Corporates are no different.

[pompeyfaith]

Hiya All,

 

Just an observation on the charge off statement below which ill add is a totally different account number they have added two court fees before the charge off, is this common practice are they within their rights to do this.

 

I ask because those amounts have also been added to Optima Legals fees

 

 

Regards

 

PF

Edited May 15, 2009 by pompeyfaith

[citizenB]

PF, that image is really tiny and I cant seem to enlarge it.

[pompeyfaith]

Sorry Citizen was just editing it as i noticed i'd left a number on it

[pompeyfaith]

Yes Citizen its now on full size as i noticed that too

[citizenB]

I think you are going to have to ask them to account for those 2 entries. Both on the same day for two different sums.

 

What's this about different account number?

[I've got no money]

Right today to get this back on track and into perspective i am going to go though everything ive got, the shoddy agreement, the fraudulent DN, all the statements they sent me, all there witness statements etc and all mine, everything then catalog all the errors in preparation for my next witness statement.

 

The statements they have sent me, their are many missing i wonder why perhaps to conseal my ppi payments to make it hard for me to work out what ive paid ?

 

I do i have one though with the balance zeroed and another with a differant number.

 

Time to pull this to pieces

 

Regards

 

PF

 

If there are missing statements - make an application on an N244 for an order that they supply them - explain on the N244 what your personal circumstances are and ask for an order without a hearing

[pompeyfaith]

Yes there are quiet a few missing, the account number on the above charge off statement is different to what was my account number citizen.

[pompeyfaith]

Guess i should get that EX160 off to court too soon as