Welcome secured loans/charge - sold to Alpha/Prime -repo received - ***Claim Dismissed***

[cruzhughes]

Well I would need to be done by tomorrow lunchtime.

 

Not able to print anything till I’m back.

 

Just need to ring court tomorrow for email adresss

[dx100uk]

AFAIK you don't need to print anything

the defence and the exhibits can all be a PDF file you email to them.

 

te hearing is weeks away , if you need to send printed

then that can be dealt with later.

 

lets see if can find the email ad..

[dx100uk]

https://courttribunalfinder.service.gov.uk/courts/merthyr-tydfil-combined-court-centre

[cruzhughes]

I have to file and serve other party’s and pay a counterclaim fee.

 

I knew things would cause a massive problem with me being away and no signal for the first few days. hasn’t helped.

 

I emailed you it again with the exhibits and them being referenced

[dx100uk]

fee can be paid over the phone to the court

you can email lightfoots your defence

the file you sent be has no exhibits inc?

[cruzhughes]

Just resent sorry

[dx100uk]

[dx100uk]

you must have a coversheet for each exhibit

the coversheet must give the exhibit No. and the title or something that ID's the exhibit if it gets detatched

i'd put everything in a sequential PDF file

 

defence

exhit 1 cover

exhibit 1

exhibit 2 cover

exhibit 2

 

etc etc.

[cruzhughes]

I thought I may. Thank you

 

Just need to decide if all the exhibits are nessesary or not.

 

I wish I’d been told weeks ago what exactly this defence entailed amd how to go about doing it. As I really feel I’m not getting the just of what I’m doing here.

 

I’m not the type of person who ignores things and leaves till last minute as it fills me with dread.

 

I’m more worried if I cock it up it’s game over and everything seems more of a mess now

 

All this is way over my head

 

Do I need to even use all them exhibits. They took me to court with 3.

 

I’m a defendant not a claimant what am I even trying to prove here with all mine!

[dx100uk]

that their claim is flawed

you are doing fine.

[cruzhughes]

Did you get my inbox about the exhibits with each loan listed on is that provided them with too much info as it’s all the rewrites and don’t know whether that’s too much to give to court and solictors as it’s like I’m providing them with all info that they could defend with

Defenceopen.doc

Exhibits court.doc

[cruzhughes]

Girlfriend has just opened this came today

Prime 24 jan .pdf

[dx100uk]

1086 has them but hidden bar you and us

[cruzhughes]

The ones I refer to is exhibit 3 dated 25/3 and Exhibit 8b dated 17/10 as they list each loan and start date and account from day one

 

And shows loan 6 257 date started we have the evidence to show it was settled on 3/4/2006 legal charge doc.

 

But the next one 303 taken out on exactly same date

 

My thoughts are if I put these in they have the trail and the link between the lot.

 

So won’t have to do much to defend against me

 

The exhibits that are missing from 1086

 

2a loan agreement 257

2b loan statement 257 showing settled on 3/4

 

3 letter from prime 7/7/2017 confirming they have credited account with £8,163.29 from welcome and the balance that was £26.954.52 is now £18,791.23

 

Does a costs list go in with this too

Defence and exhibits (1).doc

[dx100uk]

latest attached above and hidden

[cruzhughes]

Thanks dx.

 

Maybe I’ll have a good nights sleep tonight

[cruzhughes]

Girlfriend has just opened this came today

 

They are having a laugh

 

Dec 22nd Payment arrears £5416.83 plus fees and other charges £211.60

=statement total overdue balance £5628.43

 

Yet 24th jan

Payment arrears £5648.32 (£19.89 more than overdue balance last month)plus fees and other charges £453.60

=statement total overdue balance £6101.92 should be £6082.03

 

What are they playing at?

[cruzhughes]

I think that will have to go as it is now.

 

If it’s wrong it’s wrong. Nothing I can do now it’s too late.

 

I’ve tried my best.

 

But for someone who’s clueless on court procedures. And who still doesn’t know the difference between a witness statement and a defence or even how to lay one out that makes sense.

 

Even by reading numerous threads on here and still not getting it.

 

I hope the last 2 weeks haven’t been waste of all our time.

 

It maybe an idea to put a template of a witness statement, a defence, conclusion and a counterclaim on here . So others can see the difference and the layout expected cos trawling through threads to find stuff is frustrating when you can’t find what you need and neither can you distinguish what they are for and why and when you use them.

[cruzhughes]

The guidance I’ve had from day one has been amazing and I don’t think I would have gotten anywhere without your help,

 

And dx I’m sorry you’ve had to trawl though so many docs and try and get to the bottom of things.

 

 

[dx100uk]

its a defence , no WS on repos

 

that's fine, it might be better to send them .doc files rather than .docx files

 

if you are happy with whats in 1089

I've already made them .doc

[cruzhughes]

I’ve changed them since then. But thanks.

[dx100uk]

lots of water between now and the hearing date .

 

dx

[cruzhughes]

I’m just about to leave.

 

Hope traffic is kind to me.

 

One to court. One to prime and do I send to their solictors?

[AndyOrch]

Court ...Claimants Sols.......file...3 copies

[cruzhughes]

Court done.

 

Unbelievably their Card machine wasn’t working. So had a mad dash to bank.

 

Solictors being done shortly

 

Thanks