lowell/BW claimform - old vanquis debt

[AndyOrch]

Best I could offer in the time permitted.....lets hope its accepted...and if not you can still refer to it verbally.

 

It may be prudent to run a copy/s of Woodchester v Swayne [1998] and familiarise yourself if you get chance...although its basically case law that confirms all your above points.

 

Hopefully the Judge will be up to speed but you will be surprised of some and their lack of knowledge re Consumer Law.

 

Costs will be minimal as its Small Claims Track...but your out of pocket costs ...possible loss of earnings etc etc ...should be recompensed.

 

 

Best of Luck

 

Andy

 

 

 

 

Wish I was more experienced to give you an answer... He was actually familiar with the case law but said it didn't apply in my case. Then about s.87 of the CCA, he said that neither (a) or (b) applied to my case either... to which I haven't been able to provide a counter-argument as I am unfortunately not familiar with the technicalities... And the "earlier repayment" (b) I could understand, however not sure how I could have used (a) to say the claimant was "wrong".

But I guess it's now too late to do anything about this? Unless I go to appeal? Not really sure what to do here...

 

 

 

As above