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MBNA - how to go about court order for no CCA pls?


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Eyup.

 

I've been corresponding with Gail Powell, MBNA Customer Services Vice-President, over my CCA request - the CCA hasn't been provided at all within either the statutory 12 days or the further allowable 30 days (first asked in July). I submitted to the Ombudsman who's directed me to apply for a court order as unenforceable. Does anyone know of/have any template Particulars of Claim for applying for said court order? As there's no CCA, I also want to start the process of then applying for my bank charges and missold PPI back. Not sure if best to apply for court order to get it declared unenforceable first, or if okay to start the claim for bank charges/PPI back at the same time, or if to do one court claim for all three things?

Any guidance would be much appreciated.

 

Ta.

Claire

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Hi,

 

Itd be worthwile complaining to Trading Standards regarding MBNAs failure to respond to your CCA request. If you want to take the court route have a read of the link below on CPR31.16 -

 

PT's 31.16 thread

 

and see the result -

 

** ORDER TO PRODUCE CCA CPR31.16 WIN ***

 

You could also try a SAR to flush out the original agreement.

 

It wont do you any harm to start the PPI/charges reclaim process (send LBAs) but i think (although im not sure) this would need to be a seperate court claim.

I have no legal qualifications whatsoever, so please check any input I have for accuracy. And please correct me if you disagree!

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Hey

 

Thanks muchly for your tips.

 

I've been trucking on working through the guidance. So I've complained to the Office of Fair Trading (who said they'd keep it on file because they need quite a few complaints about one firm to reach a certain threshold before they intervene, ho hum) and they sent me to the FOS. I've also complained to the Informationer Commissioners Office but not heard anything as yet.

 

The FOS response has specifically said it has to be a court order because MBNA have admitted they received the request but then failed to produce. As they haven't produced anything at all (never mind claiming it's not executable), then I need to apply for a court order. So I have no choice about taking the court route: that's the 'how to' bit I'm short on.

 

Given that they've already broken the '12 statutory days/extra 30 days default', it's not that I want them to now produce the damn thing which if there's an order for disclosure, would give them the opportunity to sidestep their own non-compliance and suddenly go 'hey presto'.

 

I think my concern about the PPI/charges is that I don't want them to say 'well, we'll knock it off what you owe us' when the whole point of their not producing it makes it wholly unenforceable and then theoretically the court order says so and the debt gets written off... And then I chase the PPI and charges ??! :p Think will wait on that one until have no debt to the beggars.

 

Cheers again,

 

Claire

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Hi Claire

 

Just to say that I've been battling with MBNA since early May. They did not comply in the 14 days, nor the 30, nor the following month-but suddenly, after nearly 5 months of ignoring all my letters they have sent me what they deem to be the 'agreement'- a grainy photocopy of the tear off slip of an application. They now consdier themselves to be in compliance.

 

Just thought I'd point out that they quite often take many months to respond in any way to your CCA request.

 

MB

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Hey folks

 

Well, it turns out that though the Ombudsman told me that they had no jurisdiction they DID tell MBNA to send me the CCA - so the b*gg*rs now have sent me it. And yep, months afterwards but still saying 'just an admin mistake, underlying agreement would still be valid without our providing it'. Not entirely sure what the point of the Ombudsman giving them more time to find it is; when the legalities of statutory timescales are totally clear and that's why they can't deny they broke the law. They take the opportunity to say the Ombudsman had no jurisdiction over them, it's a legal matter. Plus it's all dated 14th/30th September and postage stamp says different.

 

If, as you point out, MBNA's tactic is to produce these well out of time and then just act as if that's okay, is everybody then waiting til MBNA take them to court? Do I now just have to wait until MBNA passes it to a debt collection agency/starts legal proceedings, when I could really do without this hanging over me. I can see text for a court claim (is a court claim the same as asking for a court order? arrgh, HELP!!:eek:) about the prescribed terms/improperly executed but nothing which starts at the fact they didn't comply when they acknowledged they'd had it. Surely, that's the main focus of my application for court order, then IF the court says 'well, hey, swing the law, you've got it now', I challenge the enforceability?

 

But to the 'CCA' response itself. 'CCA' and application form.

 

Application form has subheading 'credit agreement regulated' etc. The application form has my signature and date 9/11/98, no box for an actual signature from MBNA, but does have an illegible scrawl and date stamp 26/1/99 (ie. over two months after my date). It also has a handwritten set of numbers which I don't recognise. No prescribed terms on front: the second page of the application form has financial & related information with a box for my previous address which is handfilled in. No default charges on the application form financial information. Say they'll choose to vary the credit limit (so no credit limit at all), APR table rather than interest rate, how minimum payments will be calculated. In the bit above the box for my signature (with no room for theirs), it says 'I have received a copy of and agree to be bound by the MBNA credit card terms and conditions'. When this is an application form... No right to cancel. Reference number on front, not on back.

 

What they have provided as a CCA, the cover letter refers to as the most recent terms and conditions (ie. not the ones which would have been current in 1998 when I took the card out). Neither the creditor's nor the debtor's signature is not on what they say is the CCA, ie. not on the same document in any which way, not even a pretence of it. Blank mailer, no signatures on the mailer at all, no space for them even. No date on it at all (nor proof in any way that I've seen this which, by the way, I haven't). This lovely, blank, supposed CCA has my current address on when I was at a different address when I took out the card - as per the application form. So I would assume if they're claiming that this is a revised CCA with the correct/new address on it, it would have to be signed by both parties? So it's unexecuted and therefore unenforceable. Says they'll choose to vary the credit limit (so no credit limit at all), interest rate 'variable', how minimum repayment is calculated.

 

So, in terms of deciding enforceability: the application form doesn't have both signatures and not all the prescribed terms on second page; the blank CCA is actually 'current terms and conditions', has no signatures at all, prescribed terms not complete. Not on same document.

 

I'll fire off a letter confirming that this has been provided out of time, but is in any case unexecuted. But any guidance would be welcome, especially about how I go about applying for a court order and any text I could use.

 

Thanks again.

 

Cheers, Claire

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If, as you point out, MBNA's tactic is to produce these well out of time and then just act as if that's okay, is everybody then waiting til MBNA take them to court?

 

 

Looking around this site, the answer seems to be 'yes'. I'm not keen to wait either and very much want to bring action against MBNA before they come for me. They are 100% in the wrong here, not me. I'm desperate to turn the situationa round so that the actual gulity party is feeling the heat, not me.

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  • 3 weeks later...

Hey

 

Just had a very dispiriting telephone conversation with West Yorkshire Trading Standards to whom I complained about MBNA's enforcement action whilst they've failed to comply.

 

I've been using the templates off CAG in dealing with MBNA and reading through the guidance which has informed my understanding of the CCA. Trading Standards say that:

 

(1) it's no longer an offence for any financial company to fail to comply with a CCA request within 12+30 days under Repeals and Revocations in Schedule 4 of the Consumer Protection from Unfair Trading Regulations 2008 which came into force on 26/5/08. So the timescales mean nothing, and it's therefore no wonder that they don't send you anything at all but carry on harassing you while they're not complying.

 

(2) With regard to taking enforcement action while they're in breach by not sending you the CCA, it's only a breach which 'would not be looked upon favourably'. I then referred to the Credit Services Association's code, the Consumer Protection from Unfair Trading Regulations (CPUTR) 2008 and the OFT's guidelines on debt collection unfair methods, saying that my understanding was that failing to comply with a code of conduct to which you have subscribed is unfair trading. The response was they could only ask the company to explain its actions and it would be a breach, but one which would not require them to put it right. So they're allowed to register a default and harass you, and if you're lucky they only get a slap on the wrist which doesn't resolve the situation?!! How is this remotely protecting the consumer from unfair trading/unfair contract terms? (By the way, WY Trading Standards' response is that they enact the law whether it's fair or not and should be picked up with your local MP...)

(3) While it's true they can't enforce an agreement without a true copy, it can apparently be a reconstituted copy which doesn't have to be signed or dated (under Consumer Credit Cancellation Notices and Copies of Document Regulations 1983). It doesn't matter if it doesn't have your signature and date (because they've never sent it to me) and they can claim it IS a true copy reconstituted without providing the original to compare it to or prove I ever saw this. So they CAN send me my application form without their corresponding signature or date and these blank terms and conditions which may or may not be anywhere near the same, and this would be considered both compliance with the legislation AND an enforceable agreement.

 

This seems to be to be opposite to all the CAG guidance and templates. Now the documentation I've got from any of the credit companies don't have both signatures on and my understanding was that this was an absolute; if they want to enforce the agreement, they must provide a true original copy with both signatures on it. How can you prove it's not enforceable, and conversely the company prove it IS enforceable, without having to comply with the absolute minimums?

 

So, they don't have to provide the original copy AND don't need to provide a copy with signatures or prescribed terms, even if they are relying on those documents to prove enforceability. I know that not providing a true copy/complying with the CCA doesn't mean that the alleged debt itself doesn't exist, but surely it has to be proved somehow? They can just whip up an A4 terms and conditions which makes it enforceable, never send to to me or get my signature, not even date it, and then use that to prove a contractual agreement?

 

Trading Standards say I can send evidence of their enforcement actions and prove they breached the guidance and code, but if they only then ask the company to explain its actions and don't even take any action, why is it remotely worth my time and effort? It's not even a midge up against an elephant in terms of MBNA giving a darn or putting it right.

 

Can someone please explain the discrepancy between the templates and the legislation? Where is the protection for the individual consumer in all this? I'm loathe to carry on with using the templates for my other credit companies if they're wrong or I've misunderstood.

 

Thanks in advance for your help.

 

Cheers

Claire

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Hey

 

Just had a very dispiriting telephone conversation with West Yorkshire Trading Standards to whom I complained about MBNA's enforcement action whilst they've failed to comply.

 

 

Thanks in advance for your help.

 

Cheers

Claire

 

 

That's odd, Oxfordshire TS and Cheshire TS are cooperating to help me extract my CCA from MBNA. They agree completely with the position established on CAG and have put this in writing to both me and MBNA. I believe this to be one of the most valuable documents that I have should I need to produce in Court.

 

MB

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That's odd, Oxfordshire TS and Cheshire TS are cooperating to help me extract my CCA from MBNA. They agree completely with the position established on CAG and have put this in writing to both me and MBNA. I believe this to be one of the most valuable documents that I have should I need to produce in Court.

 

MB

 

Would it be possible for you to share this document MeeBroke? :) My local TS wont touch this issue.

I have no legal qualifications whatsoever, so please check any input I have for accuracy. And please correct me if you disagree!

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Hi Haggis

 

I have been reading the advise that you have given to Claire during her early stages of an appeal and was hoping to find someone on a forum such as this to give me a little advise too.

 

I have just payed out a sum of money to a solicitor to start the ball rolling for a claim against unfair interest charges from MBNA on credit cards dating back to March 2007

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Hey

 

Just had a very dispiriting telephone conversation with West Yorkshire Trading Standards to whom I complained about MBNA's enforcement action whilst they've failed to comply.

 

I've been using the templates off CAG in dealing with MBNA and reading through the guidance which has informed my understanding of the CCA. Trading Standards say that:

 

(1) it's no longer an offence for any financial company to fail to comply with a CCA request within 12+30 days under Repeals and Revocations in Schedule 4 of the Consumer Protection from Unfair Trading Regulations 2008 which came into force on 26/5/08. So the timescales mean nothing, and it's therefore no wonder that they don't send you anything at all but carry on harassing you while they're not complying.

 

(2) With regard to taking enforcement action while they're in breach by not sending you the CCA, it's only a breach which 'would not be looked upon favourably'. I then referred to the Credit Services Association's code, the Consumer Protection from Unfair Trading Regulations (CPUTR) 2008 and the OFT's guidelines on debt collection unfair methods, saying that my understanding was that failing to comply with a code of conduct to which you have subscribed is unfair trading. The response was they could only ask the company to explain its actions and it would be a breach, but one which would not require them to put it right. So they're allowed to register a default and harass you, and if you're lucky they only get a slap on the wrist which doesn't resolve the situation?!! How is this remotely protecting the consumer from unfair trading/unfair contract terms? (By the way, WY Trading Standards' response is that they enact the law whether it's fair or not and should be picked up with your local MP...)

 

(3) While it's true they can't enforce an agreement without a true copy, it can apparently be a reconstituted copy which doesn't have to be signed or dated (under Consumer Credit Cancellation Notices and Copies of Document Regulations 1983). It doesn't matter if it doesn't have your signature and date (because they've never sent it to me) and they can claim it IS a true copy reconstituted without providing the original to compare it to or prove I ever saw this. So they CAN send me my application form without their corresponding signature or date and these blank terms and conditions which may or may not be anywhere near the same, and this would be considered both compliance with the legislation AND an enforceable agreement.

 

This seems to be to be opposite to all the CAG guidance and templates. Now the documentation I've got from any of the credit companies don't have both signatures on and my understanding was that this was an absolute; if they want to enforce the agreement, they must provide a true original copy with both signatures on it. How can you prove it's not enforceable, and conversely the company prove it IS enforceable, without having to comply with the absolute minimums?

 

So, they don't have to provide the original copy AND don't need to provide a copy with signatures or prescribed terms, even if they are relying on those documents to prove enforceability. I know that not providing a true copy/complying with the CCA doesn't mean that the alleged debt itself doesn't exist, but surely it has to be proved somehow? They can just whip up an A4 terms and conditions which makes it enforceable, never send to to me or get my signature, not even date it, and then use that to prove a contractual agreement?

 

Trading Standards say I can send evidence of their enforcement actions and prove they breached the guidance and code, but if they only then ask the company to explain its actions and don't even take any action, why is it remotely worth my time and effort? It's not even a midge up against an elephant in terms of MBNA giving a darn or putting it right.

 

Can someone please explain the discrepancy between the templates and the legislation? Where is the protection for the individual consumer in all this? I'm loathe to carry on with using the templates for my other credit companies if they're wrong or I've misunderstood.

 

Thanks in advance for your help.

 

Cheers

Claire

 

Hi Claire,

 

The confusion here seems to stem from the fact that (arguably) a s77-78 request can be satisfied with a reconstituted agreement without a signature - which may indeed be a 'true copy'. I say arguably because there is guidance from the OFT regarding what exactly constitutes a true copy (I will try and dig this up for you if you like). This reconstituted 'true copy' would not be enforceable in court as it excludes the debtors signature - which is required for the creditor to obtain a court judgment.

 

So we have a situtation where a creditor can arguably satisfy a s77-78 request with an agreement which they would be unable to 'enforce' in court. As they have (arguably) satisfied s77-78 the credior will claim that they are however entitled to enforce the debt - letters, debt collectors etc etc.

 

Its your decision whether or not to continue with other creditors - CAG exists to give you as much info as possible to help you make that decision. There seem to be a lot of Caggers (me included) in a sort of stalemate. The creditor doesnt have an agreement they can get a court judgement with but refuses to write-off the debt.

 

Imho this stalemate is the best we can hope for in the short term - hopefuly long term we can put together a method for removal of info from CRAs (which seem to be the most damaging aspect to the consumer).

I have no legal qualifications whatsoever, so please check any input I have for accuracy. And please correct me if you disagree!

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Hi Haggis

 

I have been reading the advise that you have given to Claire during her early stages of an appeal and was hoping to find someone on a forum such as this to give me a little advise too.

 

I have just payed out a sum of money to a solicitor to start the ball rolling for a claim against unfair interest charges from MBNA on credit cards dating back to March 2007

 

Hi Leo,

 

Best bet is to start your own thread, and people will try to advise you. If you want to link to it here ill have a look - Im not an expert though! :)

I have no legal qualifications whatsoever, so please check any input I have for accuracy. And please correct me if you disagree!

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  • 1 month later...

Hey

 

The latest update is that, despite the account being disputed, MBNA has sold the disputed debt on, despite these being disputed and despite no enforceable CCA being provided. The Ombudsman has already said in the case of MBNA that a court must rule on enforceability. I used the CAG templates to send a letter to the debt collection agency and at the mo am still awaiting their response.

 

So, the first thing is that I need to prepare my response for court as I think either MBNA/the debt collection agency will now go for a county court judgement against me. I want to counterclaim to get a ruling on the unenforceability of the agreement, so any particulars of claim for how to counterclaim for this would be really useful please. There's also missold PPI and charges on there so I would be wanting to also ask for these back.

 

The second issue is that, as per the guidance, I reported MBNA to Trading Standards for unfair trading. WY Trading Standards have a different take on the whole unfair trading thing to what other CAGers seem to be getting from their local Trading Standards, and it'd be useful if people could post their responses from their Trading Standards which DO agree with the CAG templates.

 

The gist of WY Trading Standards final response in refusing to take up unfair trading with MBNA is;

- creditor not prevented from enforcing a debt for which they've not provided the original executed agreement even when the account is clearly in dispute, when MBNA have been told the debt is in dispute and should not according to the Banking Code and ICO be taking enforcement action on a disputed debt.

- CCA 1974 repealed, so MBNA don't need to provide a properly executed agreement and don't need to have both signatures nor prescribed terms on a CCA for it to be regarded as properly executed - even though the agreement was before the repeal and so should have been properly executed with signatures and prescribed terms at the time.

- say that I appear to be disputing the collection methods, not that I owe the money; when I'm disputing what's owed because the agreement is unenforceable.

- don't seem to understand that what I'm complaining about is the fact that they're taking enforcement action on disputed accounts when the companies have subscribed to the Banking Code which means they've breached this Code which is contractual.

- with regard to MBNA's unfair trading, there are no breaches of legislation (!!!) on which Trading Standards have any role.

 

Any guidance? Seems ridiculous to me that other Trading Standards are wholly supportive when WY Trading Standards don't agree at all with CAG's position.

 

Thanks and cheers,

Claire

 

Meebroke, can you please let me have the link to your thread with the Trading Standards stuff on it? Ta muchly.

 

Thanks and cheers

Claire

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Pretty much what TS told me. Can you post up the 'agreement' that MBNA have provided (block out any personal info).

I have no legal qualifications whatsoever, so please check any input I have for accuracy. And please correct me if you disagree!

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Hey

 

Sorry, don't have a scanner but I've checked it all out pretty thoroughly against the guidance and it's an application form, it doesn't have both signatures on (predates the repeal of the 1974 legislation) nor does it have all the prescribed terms, right to cancel, etc. They've been absolutely clear that this is the proper agreement, though in fact I have a different one with terms and conditions supplied at the time and that doesn't have any of those either!

 

Ta

Claire

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Ok, unless theyre holding a signed agreement up their sleeve they cant get a judgement against you.

 

The links I put in post #2 show how you can flush out any signed agreement they have. Havent done this myself though.

 

When they pass it to a collection agency you can just write to them telling them there's no signed agreement - theyll pass it back to MBNA. Theres a few template letters around for this.

 

Couple of Qs,

 

How many months since you last made payment? and have they issued a defualt notice yet?

I have no legal qualifications whatsoever, so please check any input I have for accuracy. And please correct me if you disagree!

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Eyup

 

I would guess that they haven't got another agreement but am hoping a court case would force them to produce whatever they've got, just in case. I stopped paying in October after they'd been in default of the CCA request for three months, they then defaulted it, told them it was disputed but passed to the debt collection agency anyway, whereupon I used the CAG template in corresponding with the DCA saying there was no enforceable agreement and suggested they pass it back to MBNA. But haven't heard since.

 

I don't particularly have any worries about them taking me to court, fairly sure of my ground in terms of it being wholly unenforceable, just wondered if anyone had a template for me to counterclaim when MBNA take me to court.

 

Cheers

Claire

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Eyup

 

It would guess that they haven't got another agreement but am hoping a court case would force them to produce whatever they've got, just in case. I stopped paying in October after they'd been in default of the CCA request for three months, they then defaulted it, told them it was disputed but passed to the debt collection agency anyway, whereupon I used the CAG template in corresponding with the DCA saying there was no enforceable agreement and suggested they pass it back to MBNA. But haven't heard since.

 

I don't particularly have any worries about them taking me to court, fairly sure of my ground in terms of it being wholly unenforceable, just wondered if anyone had a template for me to counterclaim when MBNA take me to court.

 

Cheers

Claire

 

It would be helpful if anyone could provide some guidance on this CCA issue and issuing a court order or counter claiming defence.

Edited by Ace1
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I am in court next week to get an order for both MBNA and Halifax to produce the agreemnent. But have had no advise as to what to do or say to the court. I just guess that until they fail to produce the agreement, there is always a chance they have one. The court order should flush one out. My problem is also that the MBNA agreement is post April 2007, and I think that means something. I have never been to court so unprepared. But will let you know.

Its WAR

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Good luck. Have they provided anything to you at all?

 

The one thing I found which would be useful, to me at least, was on the thread http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html#post1868913

It's about how to request the court for disclosure of documents under

the requirement of the Civil Procedure Rules (CPR). Paragraph 7.3 of Practice Direction 16 says

Quote:

7.3 Where a claim is based upon a written agreement:

 

(1) a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s) should be available at the hearing.

 

 

I was thinking I might have to play around with to do Particulars of Claim. Guess it would be a useful summary for what to say to the court?

 

I'm like you, until they confirm to a court that what they've sent me (which is unenforceable) is the only agreement, then I'm worried they'll suddenly get their act together and produce one! Though I'm still unclear as to whether, if and when a court deems an agreement unenforceable, they're then required to remove all record of that agreement - with credit reference agencies, their own records, etc. !

 

The stuff I found on CAG about the date of agreements was that:

 

Section 127(3) was repealed in the Consumer Credit Act 2006, which came into force in January 2007. Therefore, the enforceability of any agreement entered into after 2006 cannot be challenged by Section 127. This doesn't mean that such an agreement is necessarily enforceable but it does mean that its enforceability must be argued on its own merits.

The enforceability of an agreement that is not properly executed, signed after 6 April 2007 and not having the debtor's signature and the prescribed terms in the same document may not be enforceable but it's enforceability has to be argued on a case-by-case basis (you cannot use section 127(3)).

Don't know if that's of any use to you or not, but anyway, best of luck.

Cheers

Claire

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I have had a dodgy application form from Halifax and nothing at all from MBNA.

 

The thread you quote is, I believe , the one we are all following. Its just that it does not cover actually attending a hearing. So I have no idea what to expect. I hope at least that the judge agrees to order the CCAs to be produced, then we can see what we have got, and move on to the next step.

Its WAR

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I have had a dodgy application form from Halifax and nothing at all from MBNA.

 

The thread you quote is, I believe , the one we are all following. Its just that it does not cover actually attending a hearing. So I have no idea what to expect. I hope at least that the judge agrees to order the CCAs to be produced, then we can see what we have got, and move on to the next step.

 

Afternoon all.

I've been down the 31.16 route withCap. One. They gave up the afternoon before the court case. When is your court date?

Expect all the frighteners about costs, barristers etc. Also be prepared for no-body to turn up or the judge not to have read the case notes.

Take extra copies of every thing and write out a skeleton argument, just notes of points you want to make. It will be no good coming out wishing you remembered something else.

Just remain calm and be prepared. try to remember that the only difference between you and the others is that they work there and are used to it, you are not.

Its OK to be nervous it will keep you on your toes; just do your home work.

You are entitled to these documents in law. Don't forget, or let anybody else forget, that.

Just keep it simple, you need the documents to asses a possible case under section 142 of the CCA, thats basicly it, go for it.

Good Luck we are all behind you

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