Just to give you heart.............:grin: GE money through their solicitors Howard Cohen threw the towel in last week and discontinued their claim against me even though they were using the Rankine argument. I had defended on basis that the agreement was unenforceable and they had served a variety of faulty default notices..............:grin::grin: I was told the day before the case was due to be heard ..............now I'm just trying to workk out waht I can claim for costs...........

Just to give you heart.............:grin: GE money through their solicitors Howard Cohen threw the towel in last week and discontinued their claim against me the day before it was due to be heard even though they were using the Rankine argument. I had defended on basis that the agreement was unenforceable and they had served a variety of faulty default notices..............:grin::grin: I was told the day before the case was due to be heard ..............now I'm just trying to work out what I can claim for costs...........

Just to give you heart.............:grin: GE money through their solicitors Howard Cohen threw the towel in last week and discontinued their claim against me even though they were using the Rankine argument. I had defended on basis that the agreement was unenforceable and they had served a variety of faulty default notices..............:grin::grin: I was told the day before the case was due to be heard ..............now I'm just trying to workk out what I can claim for costs...........

Just to give you heart.............:grin: GE money through their solicitors Howard Cohen threw the towel in last week and discontinued their claim against me even though they were using the Rankine argument. I had defended on basis that the agreement was unenforceable and they had served a variety of faulty default notices..............:D I was told the day before the case was due to be heard ..............now I'm just trying to workk out waht I can claim for costs...........

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I can't access penalty charges by any means at all. Any news from Stephen??

Yes congratulations and you will now be entitled to your costs plus they will need the permission of the court before they could issue a claim again so smile!!!:D:D

It is unfair but you would have been better off if they had defaulted you at the time.

Good practice to send a copy to the other side. Ask the court to send you a cop[y of the one they filed.

I would have laughed too............................

congrats:-D

Are they paying the money back?

Are they paying the money back?

How much was original claim for? If they haven't managed to produce valid default notice, notice of termination and most importantly enforceable consumer credit agreement then they are going to have amajor problem winning their claim

Not enforceable as the prescribed terms are not contained within it. The prescribed terms can't be in a seperate set of Terms & conditions.

good luck x

They are in deep do dah............................

Serve a Notice to prove (N256) The requested resource (/HMCSCourtFinder/tiles/Her Majesty's Courts Service -Forms and Guidance) is not available

welcome back!!!:)

Any more news on this?

Yes but if you're using solicitors it works the other way too............

No Curly it was their response to a FULL SAR request made under the Data Protection Act 1974. Under a s.78 CCA 1974 request they are only providing a reconstruction CCA

This is a new one................. Regulatory Risk at RBS/NatWest Group are now saying they don't have to provide a copy of the consumer credit agreement under the data protection Act because it doesn't form part of a relevant filing system...............gues s it beats having to either a) produce an unenforceable one b) admit they don't have it or c) admit they destroyed it! Guess now the Government effectively owns them the Information Commissioners Office will roll over too...............

Regulatory Risk at RBS/NatWest Group are now saying they don't have to provide a copy of the consumer credit agreement under the data protection Act because it doesn't form part of a relevant filing system...............gues s it beats having to either a) produce an unenforceable one b) admit they don't have it or c) admit they destroyed it! Guess now the Government effectively owns them the Information Commissioners Office will roll over too...............

Regulatory Risk at RBS/NatWest Group are now saying they don't have to provide a copy of the consumer credit agreement under the data protection Act because it doesn't form part of a relevant filing system...............gues s it beats having to either a) produce an unenforceable one b) admit they don't have it or c) admit they destroyed it! Guess now the Government effectively owns them the Information Commissioners Office will roll over too...............