Hfc ccj

[wellerman]

Unsure whether my defence is the admin fees as the court has dismissed this and Restons have written saying "There is no explanation as to why the admin fees of £15 can be sensibly disputed" "furthermore there is no explanation of how the individual items of compound interest have been calculated-for example there is no explanation of any formula used" "This information/explanation will be required should you wish to continue to defend the claim on this basis"

[AndyOrch]

You will have to post up or type out exactly what your pleadings were Weller, I cant advise unless I know what you have stated.

 

Andy

[dx100uk]

scan as a picture[jpg] file

remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

 

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf

than many single ones

or if you have PDF as an installed printer drive use that

or use word and save as pdf

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

then hit reply button

dx

[AndyOrch]

Many thanks DX

 

Andy

[wellerman]

Restons letter

[wellerman]

This is the defence letter when I was given 7 days on jan 3 to resubmit a defence.

 

 

attachment unapproved pers details showing - dx siteteam

defence nletter.pdf

[AndyOrch]

Hi Weller

 

Pestons upload is too small could really do with reading that before you respond.

 

Regards

 

Andy

[wellerman]

Having a mare put defence letter on with all my details on. Numpty!!!!

[AndyOrch]

Still too small Weller, just type it out verbatim, clock is ticking.

 

Andy

[dx100uk]

you must use pdf!

 

dx

[wellerman]

Letter from Restons

We refer to your document dated 08 January 2012 headed 'Outline of My Defence'.

 

We do not think the schedule attached to that letter assist you. There is no explanation as to why the administration fees of £15.00 can be sensibly disputed. They are applied in accordance

with the Banks contractual entitlement under the agreement in circumstances where you failed to pay the contractual monthly instalment on the day required.

 

Furthermore there is no explanation of how the individual items of compound interest have been calculated- for example there is no explanation of any formula used or ( if relevant) any

computer software.

 

This information/explanation will be required should you wish to continue to defend the claim on this basis.

 

If you are not able to provide it then may we respectfully suggest that you reconsider your position in this litigation and put forward a sensible offer to the Bank to discharge your liability.

[AndyOrch]

Hi Weller

 

Reading between the lines it looks if they will defend this to the hilt as your only defence was unfair charges and interest.Unless you can up with other reasons to offer why you wish to defend this matter, I would seriously look at approaching Pestons with an offer of settlement or a payment plan.Once this gets past AQ it will double the debt.Make an offer on the debt alone they have incurred little costs so far apart from the summons costs.

 

Regards

 

Andy

[wellerman]

Thanks Andy what would you consider a resonable offer

[AndyOrch]

Start low Weller see what response you get, if its a full and final amount try £250/£300 if its a payment plan then expect nothing,it will be the full amount including costs.

 

Regards

 

Andy