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Idem/? Claim Form - Old Bank Of Scotland Credit Card***Claim Dismissed***


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Claimants Witness Statement I Received today, NO DEFAULT NOTICE provided.

 

Generic Agreement with my name and address at top .. BUT NO SIGNATURE .. signature box is blank.

 

Where no Default Notice has ever been issued from original creditor, is that even stronger defence than being presented with a defective 1???

 

Many Thanks

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" Where no Default Notice has ever been issued from original creditor, is that even stronger defence than being presented with a defective 1??? "

 

Yes

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  • 2 weeks later...

UPDATE:

 

More fantastic news :whoo:

 

Case dismissed.

 

Based on 1 Key factor .. NO DEFAULT NOTICE ISSUED

 

The judge commented and how good my witness Statement was and failed to accept the claimants argument .. A DEFAULT NOTICE MUST HAVE BEEN ISSUED, and big companys normally shred documents after 6 Years

The judge stated .. considering how articulate my records were and how well presented they were, the judge decided in my favour.

 

HOW NO COPY OF ANY DEFAULT NOTICE HAD BEEN PRESENTED to me after i had made a CCA and CPR 31.14 Request and also NO DEFAULT NOTICE IN CLAIMANTS WITNESS STATEMENT .. all went in my favour :whoo:

 

The claimant approached me before entering Court asking if i would be prepared to negotiate a monthly payment offer .. NO I STATED!

Then claimant then provided me with a document they said they would refer to during the hearing with what requirements are needed to constitute a legal credit agreement ... i mentioned this to the Judge myself and even contested a couple points on that document :-)

 

Thank you does not do justice to all you guys .. special thanks go to Dx and Andy for all their more than help, thank you both from the bottom of my heart for all the hours spent giving priceless, sound, and good advice .. especially all the help given to me in preparing me for my 2 cases of recent.

BOTH CASES WON :whoo:

 

I am totally over the moon with winning both cases and so glad its all over .. been a long road!

 

Thank you all :thumb:

 

CAG IS AN AWESOME COMMUNITY that i cant rate highly or thank enough, and it is by far the best site i ever been part of to help me with being confident to take the big boys on.

 

I will definitely be contributing to CAG, albeit this will happen over the next few months, I just want to show my appreciation for all the hours of priceless help and advice i have kindly received,

without all your very kind help, i would never ever of been confident to take on the big boys and definately never got this far.

Before i entered Court with both cases, and due to all the kind input i had received from CAG, my Witness Statements WITH MUCH HELP did look very good, i would never have prepared such decent witness statements off my own back without CAGS HELP.

 

What a fantastic start to 2017 this is for me, soooooo happy, feels like a weight has been lifted for sure :whoo:

 

Thank you all :thumb:

 

Many many thanks!

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Well done STS

 

Kind words and high praise indeed for our Community.

 

Thread title amended to reflect the outcome

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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You are the star

You wrote the WS/dq

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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