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    • Just a typo change that I'd make for the last line. Maybe also add something that says "I assume you will be fully aware that you cannot rely on a clause of a contract that you do not produce."
    • Hello, Firstly, and most importantly I am sorry for your loss. I would go back to the bank with the death certificate and ask them to step in. Remind them firmly but politely that there is no limit for DD claims   Please let us know how you get on.
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    • I see you said you tried to stop the DD but it seems that didn't work. May I please ask why that didn't work? You should be asking your bank to cancel the DD and I don't see why they would have objected, hopefully you can clarify this. I agree that you should be making a claim here against your bank and ask them for a DD refund. There is no timeframes for this.
    • Thanks DX,   I wasn't aware we could do that for that length of time. I'll ask my wife to check with the bank this week
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MBNA/Restons claimform - old A+L Card **WON+COSTS**


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Hi Robcag,

I am a similar position as FB( defective DN) but I have filed a complete and extended defence and Restons have not applied for a SJ against me. I am now in the process of giving the courts directions and I would like to use the letter from Restons to the courts in your claim against them. They have now written to me and stated that they can issue another DN(I don’t think they can). I would like to write back attaching that letter where they have admitted the claim against you could not proceed as matters stood. The interesting thing is that the letter to me and the letter sent to the court in your case are written by the same Mr Bouchier, it must be totally vexatious his behaviour (I can’t post anymore right now, critical phase).

Would you let me use it please?

FB, Sorry to use your thread for my benefit

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Hi Robcag,

 

I am a similar position as FB( defective DN) but I have filed a complete and extended defence and Restons have not applied for a SJ against me. I am now in the process of giving the courts directions and I would like to use the letter from Restons to the courts in your claim against them. They have now written to me and stated that they can issue another DN(I don’t think they can). I would like to write back attaching that letter where they have admitted the claim against you could not proceed as matters stood. The interesting thing is that the letter to me and the letter sent to the court in your case are written by the same Mr Bouchier, it must be totally vexatious his behaviour (I can’t post anymore right now, critical phase).

Would you let me use it please?

 

FB, Sorry to use your thread for my benefit

 

Hi tiokim

 

What have I done making those suggestions?! :roll:;)

 

It might be better to wait for some informed opinion before going down that route, but having said that I have no objection to you using either or both of those 2 letters.

 

You can either copy & paste from the forum or I can email them if the quality is not good enough.

 

You will notice that in there somewhere Restons also put forward the argument that they could re-issue a correct DN which I think most of us on here would say is illogical. Obviously for you to succeed in arguing against that would depend on how well you put your case and the Judge.

 

Good luck!

 

Cheers

Rob

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Well all done and dusted. The statement and exhibits gone off to Restons and the court. So if anyone from restons is readin this look out for a big brown envelope and sit down, put the kettle on and have a read !!!!!

Bring it on!!!!! See you in court on the 20th. :-x:p

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Well all done and dusted. The statement and exhibits gone off to Restons and the court. So if anyone from restons is readin this look out for a big brown envelope and sit down, put the kettle on and have a read !!!!!

Bring it on!!!!! See you in court on the 20th. :-x:p

 

Well done, good luck :)

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Well all done and dusted. The statement and exhibits gone off to Restons and the court. So if anyone from restons is readin this look out for a big brown envelope and sit down, put the kettle on and have a read !!!!!

Bring it on!!!!! See you in court on the 20th. :-x:p

 

Hi fb

 

It'll be interesting to see if those letters have any effect on anything.

 

Good luck!

Rob

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Hi fb

 

It'll be interesting to see if those letters have any effect on anything.

 

Good luck!

Rob

 

Cheers, heres hoping, if i made any little mistakes i will be saying i am a litigant in person and hope the judge understands Restons/MBNA versus little old me!!!!

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Hiya Fairbyblue,

 

The Judge will understand that you are"litigant in person" and although he wont side with you he or she will put you at ease and make sure your points are put forward.

 

My Defence was also put in court today by hand and sent copy to optima legal so like you its a case of waiting now.

 

Best of Luck to you

 

Regards

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Wishing you much success and hope that this will end very soon with a postive result

 

thinking of you and are you attending court on your own - hope someone can go with you even for moral support

 

laters angel x:)

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Angel in my case I think Lexis is gona come to mine

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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oh PF thats fab,,,,im really pleased for you,,,and im sure you will both be fine,,,,keep positive

 

if fairy you need anyone pls let me know if i can get to you i would be willing if i can get time of work too,,,always a bummer having to go to work:cool:

 

laters all angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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Just recieved this email !!!!

 

We acknowledge receipt of your witness statement filed in advance of the above hearing. This creates a number of new issues we would like to address in a witness statement prior to the hearing. We would therefore propose an adjournment of the above hearing to the first available date after 28 days for the following reasons:

1. The Claimant requires time to respond to your Statement.

 

2. The Time estimate of 20 minutes is now insufficient (this was based on the content of your defence only) and now probably 90 minutes will be appropriate.



    • We await your comments please.
       
      Well I dont want to adjourn, they have ploughed on and bullied and i had little time now they want at least 28 days to prepare their reponses so what do I tell them !!!!

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I will ask someone to pop in and advise you.

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Oh Bum, I've replied like this hopefully its ok. I'm fuming as they set all time limits that i adhere to and when they get the low baller back they want more time to prepare.

 

Hope this is alright as i've sent it:confused:

 

The statement and exhibits that I rely on were delivered to your office on

13th March 2009 which is 7 days prior to the hearing and was your

request on your application for summary judgement.

It has also been served on the Court.

I actually had less time that the 7 days to prepare that statement and

exhibits.

I have responded in that time limit that you set. I object most strongly

that you wish to adjourn.

As I believe that your case has no basis whatsoever in law, I think that

the case can be dealt with within 20 minutes.

In view of this I wish to proceed on your application on the 20th March 2009

 

Please acknowledge this email.

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It will be interesting to see what their response is:D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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The statement and exhibits that I rely on were delivered to your office on

13th March 2009 which is 7 days prior to the hearing and was your

request on your application for summary judgement.

It has also been served on the Court.

I actually had less time that the 7 days to prepare that statement and

exhibits.

I have responded in that time limit that you set. I object most strongly

that you wish to adjourn.

As I believe that your case has no basis whatsoever in law, I think that

the case can be dealt with within 20 minutes.

In view of this I wish to proceed on your application on the 20th March 2009

 

Please acknowledge this email.

 

I am really fuming they should put up or shut up !!!! Its just another tactic. Is this normal practice? They wanted it, and cos they recieved loads of problems they want adjournemnt. Do I look like the bad guy?

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I am really fuming they should put up or shut up !!!! Its just another tactic. Is this normal practice? They wanted it, and cos they recieved loads of problems they want adjournemnt. Do I look like the bad guy?

 

Hi fb

 

Restons (and probably most of the other opponents you will come across in these situations) are slimeballs to the power of n.

 

In my case (application hearing called by HFC/Restons), the local (from 80+ miles away) barrister representing Restons was squirming when he was trying to explain HFC/Restons position and the reason for delays and not complying with the orders of the court at various stages of the process, was now saying that although HFC had stated that they had intended that my alleged debt might be sold to an unknown third party, that this was not the case now, and they now wished to proceed.

 

Lots of 'mights' and 'maybes' were injected into the scenario, which seemed very strange to me at the time.

 

It now transpires that Marlin/Phoenix are claiming to have been assigned the debt 2 days before said court hearing when Restons barrister was claiming the exact opposite!

 

What I'm trying to say here is, like you've realised, Restons are on their back foot which now seems to be calling for them to attempt to re-structure their case, much as it was with me.

 

Just my opinion, but I think if I was you I'd keep in touch with the court by phone to see if any applications are submitted over the next few days so that you find out their intentions at the earliest opportunity, giving you the chance to object.

 

Good luck

Rob

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You have the rights to reject it of course.

Personally I would send it by special delivery and add it onto your costs later.

Send also a copy to the Court.

Indicate that you have done this for each on the respective letters.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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You have the rights to reject it of course.

Personally I would send it by special delivery and add it onto your costs later.

Send also a copy to the Court.

Indicate that you have done this for each on the respective letters.

 

I replied by email as they sent it to me by email. The court date is 20th march i.e on friday, its wednesday afternoon now so i doubt they would get the letter in time.

Phoned the court and got someone who talked sense !!. As the papers are going up to the Judge about tomorrow lunch time, i had to email the court restons request, my reply and covering objection . He said that he doubt whether judge would adjourn, although he isnt the judge !!!

So thats sitting in the courts inbox as we speak.

Edited by fairbyblue
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Lets hope the DJ sees through their little ploy.

 

Thank you CCM :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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