Come on guys, we are all entitled to our opinion. The beauty of freedom is the freedom to disagree, or to be allowed an opinion at all. This is getting personal and has no place on the forum S

Hi Basa, Another thought. Prepare, but do not send, yet, a letter to the court requesting an adjournment to resubmit your case. If the test cases go against the creditor then you would need to submit arguements based on the test cases. They will do the same if the test cases go in favour of the creditor, for sure. Have this ready to go then ...

basa48:Adjourned !!! Manchester area seems to be a hot bed of adjourned cases, lots of detail on CAG about them. I can't see what they will reveal that is of merit in your case but hey ho! basa48: for 14 days until the results of the test cases is revealed. The judge was VERY hard on the defendants solicitor asking why they delayed ...

Try not to wing it, this is a critical part of proceedings. Basically, your opportunity to re-inforce any arguements or markers you raised during pleading. Its important not to miss anything at this stage. The witness statements are fairly straight forward. I doubt the witness will be there in person, but cannot be certain on this, clearly. The ...

Hi Basa, Witness statements usually say what the judge wants to hear in order to find in favour of the claimant (in this case). I haven't seen the witness statement so can't comment in detail. What I mean is pick through the detail of the statement to see if there is anything that seems to strain at the truth or the possible. It might ...

Basa, Study the witness statement. If someone claims to recollect something from 8 years ago then you need to know why they would recall yours. What other information did they process that day - doubt they can remember. Its too late to call the author as a witness but these "Witness Statements" will often be written by the legal ...

Hi Basa, Its in your 'sky' inbox. You need to refer to www.Bailii.org for case law etc S

Hi Lisa, Defaults are a lot further down the line. Make the same offer to the DCA - if they want the money they will find a way, typically DCAs are very flexible in terms of taking money from people. You may even be able to negotiate better terms. As long as you are trying to make payments and this is being blocked by the "creditor" ...

upferret:Thanks! I feel a bit less worried now. If I dont do a disclosure order and just sit it out what is likely to happen in the long run? Not a lot, there will be phone calls, letters, empty threats (look for word like "may" and "might"), defaults, selling on then the merry-go-round starts over. They get bored after a ...

Simple, They haven't got the original or it is so full of holes they are embarrassed about it. They will never admit to not having a compliant agreement, it is not in their interest to do so. If they sow the seed of doubt, they may be able to collect. From their point of view, its worth a go! S