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    • The claim form was dated 2nd Sept. Not filed defence yet.  Not had an  N180
    • Hi dx I have had an attempt at my witness statement just hope i have got enough in and the order sits well. Any thoughts would be welcomed.   In The county court AT XXXXX CLAIM NO: BETWEEN: XXXXXXXXXXXXXXXX Claimant - -and- XXXXXXXXXXXXXXXXX Defendant WITNESS STATEMANT OF XXXXXXXXXX   I.XXXXXXXXX the defendant in this claim make the following statement believing it to be true will state as follows:-   1.It is admitted the defendant entering into a short term Pay Day Loan agreement for the sum of £400.00 plus 4 months interest totalling £600.48 from Moneyboat.co.uk.   2.It is denied that I defaulted on an “agreement”, as the Defendant has made a first payment of £150.13  towards the amount agreed to be repaid which was not been deducted or taken into consideration and the claimant continued to demand the full total amount from the agreement stated in #1. The claimant rejected a request for assistance during the ongoing Covid pandemic pursuant to the UK Government Legislation at which time I was placed on Furlough by my Employer and worried that it would be difficult to make a payment due to my financial situation.   3. It is denied I failed to abide by the Terms and Conditions of the agreement as at no point did the claimant contact myself to offer assistance to make alternative payments to which I could repay.   4. It is admitted that upon receipt of the claim form a CPR31.14 was issued to the claimant on the 31/012/20 and proof is included in exhibit 1.   Namely to show how I entered into an agreement Show how the claimant quantified the amount claimed   5.The Claimant has not served a Default Notice pursuant to sec87 of the CCA1974.    Need for default notice.   (1)Service of a notice on the debtor or hirer in accordance with section 88 (a “default notice ”) is necessary before the creditor or owner can become entitled, by reason of any breach by the debtor or hirer of a regulated agreement,— (a) to terminate the agreement, or (b) to demand earlier payment of any sum   6. As per Civil Procedure Rule 16.5(4), the Claimant has failed to prove the allegation that the full correct amount of money is owed.   7. My defence stated that the claimant failed to serve notice and it is denied that the Claimant is entitled to the relief claimed or any relief entitled.   I believe that the facts stated in this Witness Statement are true.   Signed ……………….   Dated on the day ……………….   Thanks G
    • forget the guarantee, totally worthless, no guarantee or warranty is even worth the paper it's written on.   under the consumer rights act 2015, bensons are quite correct that outside of 6mts, it is down to the consumer to get and pay for an independent report upon any issues. this cost will be refunded upon your win.   also under CRA a 'product' should last a consummate period of time, upto 6yrs typically or even beyond, one would expect a mattress to not to have issues after a mere 10mts.    
    • We purchased a bed  and mattress from  the Bespoke Range at Bensons Beds in November 2020. The mattress is turned regularly as advised ,but we have noticed that the mattress has dipped and leaves the shape of where we have been lying,  this has been explained to Bensons and they have asked that we take photos and send them through   we used a spirit level to highlight the fault, in addition to this the mattress creaks at the side and at the foot of the mattress. This bed was quite expensive and so we were not expecting this to happen.   I have contacted Bensons customer service explaining the situation to them ,only to be told that We would need to contact an Independent Engineer to inspect the bed. This is to be at our cost .  Should the engineer deem the bed faulty then they would replace the mattress. The Bed has a 25 year  guarantee and looks like something we have had for half that time.   Can you please suggest which would be the best way to move forward and get this matter resolved     
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Very sad news that the CAG Site Team Manager Martin3030 passed away today....


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I was so saddened to receive the terrible email pointing me to this thread. Sorry that Martin was only with us for such a relatively short time - he wasn't even allowed the full three score and ten - so unfair. I send my condolences to those who loved Martin. He will be missed by many but everyone who knew Martin and worked with him should be proud to have done so.


Rest in peace Martin.

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Goodbye to a kindred spirit. DCAs and debt buyers will shed no tears - and I can't think of a better compliment. The people whose lives he helped to transform will understand that more than most. Sleep well x

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009


If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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I have not been active of late on the forum, it saddens the heart

my Condolences to all family and friends.


Dragon Keeper















most of my knowledge is from the school of hard knocks


not based on any legal background


As quite a lot fellow caggers state seek Legal Advice




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So sorry to hear the sad news, Martin helped me and countless others and for that I will be eternally grateful . His family must be so proud of him and my condolences go out to them. RIP Martin, you are in my heart & prayers.

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I am very saddened by this news, Martin was a dedicated individual who helped the ordinary people of this world to gain justice

Thank you Martinfor all the help which you have given to those people who most needed it over the years


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Very sad. His family and friends should be very proud of what he enabled others to achieve. RIP.




ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be



My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!


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So sorry to hear that such an amazing man who gave so much to struggling people like myself has passed... will be thinking of him & his family during this difficult time,


with all best wishes


That the birds of worry and care fly above your head, this you cannot change. But that they build nests in your hair, this you can prevent. --- Chinese proverb

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So sorry to hear Martin has passed away.

Although I didn't know him personally, he took the time to help others in these difficult times which is a very noble thing to do.

I offer my condolences to his family.

Martin may you rest in peace and thank you for your good heart.



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Sorry to hear this sad news :(

thegfb vs Natwest PPI - WON - £5.5k refunded October 2011 :-D

thegfb vs Sainsburys Bank PPI - referred to FOS 15/09/2011, WON - £2.7k refunded February 2013 :wink:

thegfb vs Capital One PPI - Complaint sent September 2012, dragging their heels :roll:



Thanks for all your advice so far :D

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Absolutely heart breaking news.


He was a great chap helping many folks, he pointed myself and many others in the right direction.

I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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Our heartfelt thoughts go out to Martins family. R.I.P Martin

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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