Its easier if you wait until you get the claimant's statement...then you can use this as a guide on the points they will rely on and then simply respond by refuting or agreeing or offering alternative argument.
Problem is they tend to leave it to the death and you dont have time..or they wait for yours first then counter your points.If they fail to serve a statement at all then thats a good sign that they are getting ready to discontinue the claim....
Here is an example...and I stress example ....no use to you apart from showing you the usual layout into and conclusion.
Witness statement Lob.pdf
Where do I start though? I have no idea how to formulate it based on the inch thick pile of documents i have. Since the case was stayed and then resurrected with a new 'solicitor'- is that relevant at all? Is it relevant that it was almost statute barred and I received bad advice from Step change re continuing? What about the interest they say is accruing at 8% pa- do I add anything about that? What is my basic defense start point? What legal bits am I supposed to quote?
Looking through the paperwork I have I cant find anything that states they have been assigned the debt from Barclays, shouldn't I have something about that? I have photocopies of the signed credit agreement. Most of the paperwork I have is copies sent more than once, plus stuff I have requested as per advice here. I am very worried about this as it is such a large amount they are requesting.
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