im writing my notes out clearer...its been a long long day hasnt it!.. hope the sun shines on me tomoz

he is bless him...he is very worried too, and knows its important so will do it for me. i need alchohol now lol... but need a clear head for tomorrow!

thankyou jonh, i think its my printer whats the problem... have sent my poor suffering hubby out for a new one...

are there 3 sheets to this john? it had the assignee assignor part?? grrrr, my printer is boogered... gonna see if my hun will shoot to mr T for me lol.

thankyou x

it wont let me open it... and now my printer has gone boobies up now again!!!.... i was managing to print it earlier, but it was cutting off the relevant dates etc.. may need hubby to pop out for a printer in the morning i reckon!

john, is there any way you can do a better copy of CP2 only im printing it off and its cut half the sentences off grrrrr....

no address supplied for them, only TR's address, under the heading 'if a solicitor is acting for you'

the POC ive up, is the ONLY POC ive got.... i have their AQ, which in that says 'HFO services were the collection agents for the account and we therefore seek leave to apply for substitution of HFO services to HFO capital as the Claimant to these proceedings. Unfortunately, the claim was issued online through northampton county court bulk centre and inadvertently HFO services were incorrectly stated as the Claimant, as opposed to HFO capital'

Claimant was HFO Service, they applied to the court to change it to HFO Capital

Pictures by mel28089 - Photobucket might be a muddle as i have put each page separate, her is link for entire album..WS and skel are in there

hmmmm.... gosh i wish i read more you know!!. whilst taking a pic of the WS, something just jumped of the page you know!!! ill type the first para now, and post up the actual WS later, im cooking dinner. i am a solicitor of supreme court and i have conduct of this matter on behalf of the Claimant..... wait for it...... HFO Services limited.!! WTFFF...? and the bit where it sates claimant v defendant, it says HFO Capital.... Not another IT error??.....duh..

docman ive been reading through TR's WS and Skel, and they have quoted a bit about a fixed sum account, saying prescribed terms dont apply to it... i thought a CC account is a running account?? do you think it might be good if i post up the WS...

ok i really really would appreciate a post which would state what i need to say tomoz. i dont want to forget anything tomorrow if we all dont want this to fall flat, not wholey for me, but for all future court cases against HFO. I mean, with this new evidence CP2, everything else seems not to matter??... but of course it does, and i suspect tomorrow, the judge may not be interested in perhaps CP2, or even my M and S letter, as i havent submitted it before. i dunno, ive never been inside a courthouse (upto the other week) let alone a court room, he/she may only be interested whats in the defence etc...am i wrong here? the judge may think i have fabricated paperwork...?? im sure as hell will be glad when tomoroow is finally over, thats for sure!

am i right in thinking, had HFO not said to court 'hang on a minute, wrong company taken mel to court, need to change our claimant name' then CP2 wouldnt be relevant?.... is mel understanding more?? lol.

i was just reading it... thankyou. im thoroughly grateful for all the time, and efforts of everyone spending time helping me

well, i thought my 'agreement' would be the most important thing, docman thinks my NOA is my weakest part of the argument. i know little, im hoping i learn. i will learn. im trying to be like a sponge, and absorb it all in. im getting more and more confused, and i dont think im gonna know where to start. this is what i know!! lol the alleged CCA, is merely an app form. i disagree that the app form they have produces represents an agreement because its missing the prescibed terms, der der, the terms which are clearly not on back would not fit on the back of form..... the notice of assignment date states 30/7/08 , the claimants (hFOC) own evidence contradicts their particulars of claim..... i have my M and S letter stating they sold the debt to HFOS on 30/6/08, a different date and a different assignee. the law say, a NOA must be given, s 136 law of property act. id quote 'van lynn' paragraph 'with reasonable certainty', and i have copies of WF harrison case, which is referred to in van lynn. Default notice is required under sec 87 i neither admit or deny that any DN was ever rec'd in prescribed format. DN invalid. to be vaild, needs to be accurate in terms of scope and nature of breach and include an accurate figure required to remedy such breach. sec 88 of the act, the date before which any breach can be remedied must be stated in DN this date must not be less than 14 days after date served of DN. date given by HFO was 'within 7 days of this letter' accordingly the dn was invalid. im just getting this down, am i going on the right track?

ok theres 3 reasons now i dont owe money.... :-|

is this my succinct reason HB?? you know im hard work! lol.

DB/ Sir, the 1 reason i do not owe the money, is because i do not have a credit agreement, the alleged agreement is meerly an application form for a credit card........

??? lol

you are on my wave length for once lol... i was thinking the same, HFO cant seem to figure out who i owe the money to, ive just had a large spread of their letters across floor, either stating RE: HFOS or HFOC....... ,i too know not WHOM i owe the money to!!... i am going thru all i have, i have my Experian credit file printed, it states that HFOS are the creditor on it. bank default of £4,461,... they are claiming in court total £3,565.... whats all that about?. i cant believe they have used john's forum id in their response....IRRELEVANT, IRRELEVANT i feel.

NO, i do not!

im cackin it.. lol. i dunno what they will ask me, so dont know how id respond thats the problem!!!.... and i guess all dj's say different things.... ok what are they likely to ask. i think i know why i have the cases, the van lynn, is saying what doc said, reasonably certainty....HFO are not 100% certain who owned debt, so how can i be certain. harrison case is mentioned in van lynn thats why ive that???..... ermmmm gonna have a good read for a few hrs now, to get up to scratch, ill be back later with all my observations for you all to check im up to scratch....!!

im going for the polite, professional, well organised look tomorrow!!.... eeek tomoz :-| have everything printed, just going to highlight some bits. do i need to print off the whole case- woodchester v swain?? ive found it in caggers library and printed that off, is that sufficient?????? HB, ive printed the companies house part off, but i cant rememeber who, DB or docman advised i should just stick to the facts and law....???????