what ever happens do NOT miss your defence filing date.
it would be really interesting if we get the data back from SLC and that does show you were over 50 when you started paying.
though for now we might keep that safe
probably use the std no paperwork/holding defence in many like threads here already
but lets see.
holding an enforceable agreement is nothing to do with statute barring.
ask for what you like its a request they don't ever have to reply too.....
put them to LEGAL proof
CCA request them
a full statement is not ALL statements
send an sar
PPI is dead but however yes again could be useful.
notes of with so far
mr wheat must thus attend..
he states that their WS relies upon his belief and hearsay knowlege of the account.
point 8. he says he is advised by lloyds of a DN butno Exhibit evidence of such proof of statement
point 25 ...you have NOT agreed that you entered into an agreement with Loygs
that is not what your defence stated.
page 8 clearly states new customer copy TEMPLATE
charges are £12 so can't be correct for date of agreementtake out
I've just researched what CCA is as this is allnew to me.
I've been making payments from the start only small but consistent.
So the debt wont be statute..
I have asked M&S for a full statement and original agreement.
I believe there was PPI on the loan but I never went after it as they would of taken it straight off me..
But I feel I could still use this against them with the amount they are charging me.
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