Mbna Cca ???

[axxsabian]

Citizen B, the card was a virgin braned card and as you say it's not mentioned on the agrrement !!!!! does that mean anything ???

 

The card was applied for on line and all the paper work was sent through

 

Thanks for all your help and i will let you know how it all went

[axxsabian]

Well guys today is the day:( I ahve got all the notes that i can together not many but i have some, also i have a bit on Hearsay evidence which i hope wthe court will see that it applies to there witness statement in part 10

 

so the hearing is at 11.00am . just off to get ready......

 

As soon as we get back i will post up what the outcome and what happend

[wycombe]

Good luck - hope all goes well.

 

I'm in the firing line tomorrow as well!!

[LB145]

How did it go?

[axxsabian]

Hi guys , well the outcome of today is not what we expected i will post up the full events soon but in short , the hearing was ajourned on the grounds that MBNA/restons had submitted to much paper work for the judge to go through and digest in half hour so he said as we were LIPS he was bound by duty to look at all the documents properly and also asked us to submitt a full amended defence as he could not find our ED !!!!!!!:confused:

also he wants to see a proper defence against the credit agreement other wise he will not go any further and award the judgment to the claimant

So he has given us 14 days to submitt our defence and then a month to set another date and has given the next hearing an hour and a half slot to battle it out.

What do you all make of that then cause im totally dumbfounded to say the least ????????????????????:confused::confused::confused:

[citizenB]

Interesting outcome. At least you have survived to fight another day. I wonder what happened to your ED. Did you submit online or take to the court personally ?

 

It is good that the Judge was looking out for your interests as a LiP. What you now need to do is really think about what you need to say in a full defence and get it submitted on time.

[LB145]

Well at least you have the experience of going today so you know what to expect and how to proceed at the next hearing knowing what they will be coming at you with.

 

Same as mine DJ did not have my WS statement or relevant documents, as you know mine just got on with it and gave me a trial there and then! Someone more knowledgeable will come along soon I'm sure.

 

I was amazed at how mentally exhausting it was!!

[axxsabian]

The ED was submitted on line so they have it somewhere but what the judge did say was that if an agrrement of any kind has been signed be it a actual credit agreement or an application form it stand as an executed agreement so i need a bloody good defence to stop the judgement going ahead !!!!!

[wycombe]

Not a bad result. You live to fight another day! It gives you another 14 days to put together a stronger defence against the credit agreement. So you will need to get everything together that you can to take the original agreement apart. Go over it with a fine toothcomb and pick it apart. Anything you are not sure of ask.

[axxsabian]

The judge was having none of it from the solicitor he also said why has it got to this stage could you not work things out so we dont have to go through with all this !!!!

[axxsabian]

My wife is thinking about looking for a no win no fee solicitor to take it to the next hearing

[axxsabian]

Another sneaky thing the solicitor did was to hand me a skellington argument document 20 mins before we went in but the judge had a fit and would not look at it saying you should of made it avalible 24 hours ago !!

[wycombe]

My wife is thinking about looking for a no win no fee solicitor to take it to the next hearing

 

A good idea if you can find one to take the case on. It will save you all the hassles and worry of preparing the necessary documentation etc. and presenting your case in unfamiliar surroundings.

[axxsabian]

As far as im concerned and looking at the alleged agreement all the prescibed terms are there and evrything that should be there is there unless my beadie eye has not seen something that should shouldnt be there ?????

[axxsabian]

WYCOMBE , Good look for tomorrow i hope it goes well fingers crossed for you