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Court proceedings with BCT, need help with disclosure statement???


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Morning all, long time no speak....


Well it has been quite an adventure so far with British Credit Trust. The claim went to court, I submitted my defence and now the case has been allocated to the fast track claim route.


British credit trust, are, as ever, being increddibly difficult and are even refusing that I have a defence.


Anyway, I have just got back from being away on business for the last few weeks and have today and tomorrow morning to sort a couple of bits out. I am now at the stage where I just want this to be over and done with!!!


Ok, well I recieved my notice of allocation to the fast track, of which the first thing that apprently has to be done is "1. The parties give standard disclosure to all parties by serving copies with a disclosure statemenet, by 4.00pm on the 9th July.


Now firstly what is a disclosre statement, what does it consist of and do I need to do one as to me this doesn't seem very clear.


Many thanks all,



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From what I understand and have now found out a disclosure statement it the following "A document outlining the specific terms and conditions of a loan, including the interest rate of the loan, any loan fees, the amount borrowed, insurance, prepayment rights and the responsibilities of the borrower."


Therefore, if this is correct and with this in mind, do I have to do anything???


Thanks all.

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BCT may have an underwriting sheet, they are well known giving commission to other parties like the dealer and adding it to your loan. Ask them to email you a copy of the under writing sheet a.s.a.p.. .


Any PPI on the agreement?


Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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The judge has ordered that you and the claimant exchange copies of the documents that are relevant to the case. The N265 is a standard form that you need to complete. Google it and you will find guidance and a PDF form that you can fill in and print off. You need to send this to the claimant by the date specified in the order. The claimant should send you their form - you can then request copies of anything on their list. If you think they have a doc that isn't listed you should ask them for this - if they ignore or refuse you can apply to the court for an order of specific disclosure.


It might be a good idea to get this moved to the legal issues board

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Thanks all, for sent off this avo. I assume that when I receiev their form, then would be the tie to ask for underwriting sheet.


What happens/does it mean, if they have been underwriting etc??

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No this agreement didnt have a PPI on it, however, there is a lot wrong with this agreement. Here is the link to the previous thread I had, which also contains all of the docs of the agreement, if anyone can pick up on addiditonal issues with I would be grateful.





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I have just sent of the request to BCT with regards to their underwriting form that I believe they have. I am pretty sure that they have been underwriting to an agent, as I went through an online agency to get the loan/hp agreement. If this turns out to be the case, what should my next step be, or, if the underwriting agreement is there and they have been underwriting, what does this mean?



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  • 4 weeks later...

Moved to Legal Forum

Anthrax alert at debt collectors caused by box of doughnuts


Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.


Vir prudens non contra ventum mingit



17 Port & Maritime Regiment RCT

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  • 4 weeks later...

Good afternoon all....Sorry for taking a while to post, been very busy.


Ok, I finally got round to sending the request to British Credit Trust regarding the underwriting agreement...as this is being handled by the solicitors, I in the end got a response from them.


It goes like this;

========================= ========================= ============

Dear Sir


British Credit Trust Limited


We refer to your letter of the 12th August 2010 to our client direct, copy attached. In the first instance please note that because of the ongoing litigation against you all correspondence should be addressed to us rather than the client.


The request you make is ill founded. The matters to which you refer are entirely a matter for our client. Accordingly, your request is refused.


We trust that this clarifies our client's position.


Your faithfully.


Blahblha solicitors.

========================= ========================


Ok, with this is mind, can anyone suggest what my next step should be????

Many thanks all.


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  • 2 weeks later...
  • 3 weeks later...

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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