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Double claim ***WON***


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OK a reponse from Tower. They will not be attending.

 

However their reply to my holding defence is full of lies and inaccuracies. For example they state they have responded to CPR request, they have not! They have also had contact from my DMP which is again untrue

 

Their original AQ was lost in the post - they seem to have a problem with the postal service.

 

They also bang on about mediation and that I have not attepted this. To be honest as they have been ignoring me and the court I didn't see the point.

 

What is the correct proceedure for highlighting this to the court. At this stage I am tempted in principle to follow this through.

 

Some thoughts would be much appreciated.

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Rob, when is the hearing date ? If you have more than 7 days then you can put in a response to their defence/witness statement.

 

Go through their fiction, point by point.. rebutting each point you feel is inaccurate pure fantasy.

 

Then pop along to your local court, with a covering letter to the Court Manager.

 

 

 

Dear Sir or Madam,

 

Claim Number

Claimant v Robjam

Hearing Date XXX @ XX am/pm

 

 

In respect of the above hearing and with due regard for the overriding objectives of the CPR.

I respectfully request that the attached rebuttal statement be put before the District Judge to be considered alongside Claimant's witness statement / Defence dated XX XX.

 

Yours etc.

 

Then pop a copy in the post to the Claimant :)

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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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The fact that they have not complied with CPR is an overwhelming reason for you not to accept mediation. Why should you use mediation when you believe there is no case to answer, and they have failed to provide the evidence requested?

 

It is they who are avoiding 'the overriding objective'.

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Thanks Guys

 

Just what I need. Of course they are saying they have provided CPR. It must be clear to them from my defence that they haven't.

 

Again they have provided me with a copy of the letter to the court but no disclosure of any of the documents themselves.

 

Can I ask/demand them to provide proof of post? for both AQ and CPR

 

Cheers

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Rob, when is the hearing date ? If you have more than 7 days then you can put in a response to their defence/witness statement.

 

Go through their fiction, point by point.. rebutting each point you feel is inaccurate pure fantasy.

 

Then pop along to your local court, with a covering letter to the Court Manager.

 

 

 

Dear Sir or Madam,

 

Claim Number

Claimant v Robjam

Hearing Date XXX @ XX am/pm

 

 

In respect of the above hearing and with due regard for the overriding objectives of the CPR.

 

I respectfully request that the attached rebuttal statement be put before the District Judge to be considered alongside Claimant's witness statement / Defence dated XX XX.

 

Yours etc.

 

Then pop a copy in the post to the Claimant :)

 

 

OR better still dont pop a copy in the post to the claimant and then when he whinges- tell him you are having problems with the post!! - i'm sure he'll understand!

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  • 3 weeks later...

Well that was quick

 

walked in to the court chamber, DJ said good morning, invalid default notice and case thrown out. Less than five minutes.

 

He basically said that my notice of rebuttal far outweighed anything that Tower had put forward. He aslo complimented me on my knowledge of default notice legislation.

 

Thanks to all those that helped and that sticky about a ' tale of a dodgy default notice'

 

Lets see if they want another go.:D

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Thanks

 

To be honest it depends on the witness statement relied on by the opposition. I basically listed a number of untruths and comments relating to their statement. For example they mentioned serving a default notice and I pointed out that it was invalid. The basic layout of the form was as per the post kindly provided by citizen B.

Edited by robjam1969
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Robjam, I am so pleased to hear this. Well done you :D

 

Have a great weekend. Erm, what about costs ? :rolleyes::D

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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Thanks citizen b

 

The dj didn't seem interested albeit he didn't say no.

 

To be honest he seemed to want me out. He had read all the notes and dismissed the case before I had opened my mouth.

 

I think I will sleep on it.

 

Thanks for that rebuttal statement - maybe to the successes forum:D

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sorry to sound ignorant but i read this thread with interest as i could soon be in same position great help from people here. what id like to know please is what actually happens to the debt once its been struck out by the court, i think i get that no legal action can be taken to enforce the debt but i guess it still has to be paid back to someone?

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sorry to sound ignorant but i read this thread with interest as i could soon be in same position great help from people here. what id like to know please is what actually happens to the debt once its been struck out by the court, i think i get that no legal action can be taken to enforce the debt but i guess it still has to be paid back to someone?

 

Nope it's struck out no need to repay

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