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Irt8787

@curryspcworld @TeamKnowhowUK refused to honour purchase

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Thanks. I’ll post the defence here when I receive it.

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received acknowledgement of service and they are defending the claim

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This is not at all unexpected. At the very least you can expect to be tested to the point where you will have to decide whether or not to pay the hearing fee. When you pay the hearing fee they will then assess the situation again, make a decision as to whether or not they think you are serious and then they may decide to put their hands up because they consider it's not economically worthwhile defending.

On the other hand of course they may decide to go the whole hog and see you in court.

Please let us know when you get the directions questionnaire because there will be questions which we should probably help you answer. 

 

However before then, you should receive the defence. Please post the defence up for us to see. If by any chance they miss the date for filing the defence then you should move in immediately and apply for judgement. Monitor the time very carefully and go in immediately at the expiry of the deadline for filing a defence and apply for a judgement. However, they are probably unlikely to miss this deadline – but you never know


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hello both, just read this from start to the current point with interest and am now agog waiting to see developments, well done both


NatWest

sar 310107|Prelim 120407|LBA 260407|N1 310507 | Served 130607 | Ack 270607 | Def 130707 | AQ/Strike out/Draft directions 270707 | | Court Date 080807 | Stayed

Barclays

sar 310207|Prelim 120407| LBA 270407|N1 310507 | Served 130607 | Ack 210607 | Def 100707 | AQ/Strike out/Draft directions 230707 | Court Date 080807 | Stayed

Smile/Co-op

Prelim 010607 | LBA 230607 | N1 090707 | Served 180707 | Ack 260607 | Co-op SETTLED 150807

MBNA

sar 040607

Citi

sar 040607

Egg

sar 040607 | Prelim 010807|LBA 160807

Halifax

sar 130607

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Well thanks for your interest. I would say it's a foregone conclusion and its really just a question of how stupid they really want to be as to whether it gets sorted out quickly or takes some time


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Yep, I don't pretend to be as expert on this as bankfodder but I wholeheartedly agree with all his advice and your actions, what's the point of all the consumer law if no-one has the gumption to use it. As he says, its made to be suitable for the common man and this appears to be very simple legally.

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NatWest

sar 310107|Prelim 120407|LBA 260407|N1 310507 | Served 130607 | Ack 270607 | Def 130707 | AQ/Strike out/Draft directions 270707 | | Court Date 080807 | Stayed

Barclays

sar 310207|Prelim 120407| LBA 270407|N1 310507 | Served 130607 | Ack 210607 | Def 100707 | AQ/Strike out/Draft directions 230707 | Court Date 080807 | Stayed

Smile/Co-op

Prelim 010607 | LBA 230607 | N1 090707 | Served 180707 | Ack 260607 | Co-op SETTLED 150807

MBNA

sar 040607

Citi

sar 040607

Egg

sar 040607 | Prelim 010807|LBA 160807

Halifax

sar 130607

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And I think you've hit the nail on the head.

There are lots of people who don't know their rights.
There are lots of people who do know their rights and don't have the confidence to enforce them.
And then there are people with the gumption


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