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It should be upto HC to pay for the cost of the hand writing expert. As far as your concerned you didn't sign it and if they can't proove it and are not willing to pay for the cost to proove it That should be the end of the matter? Possibly write to them and the court and tell them that you are not willing to pick up the cost.

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No nothing yet

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How did this end?

I have looking at this site as well as others and cannot find where it states default notices and charges. Could someone please put a link up Thanks

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I have just read the Carey v HSBC case - it states the below which I think will refer to me. Specifically, s61 (1) provides as follows: s61 (1) "A regulated agreement is not properly executed unless: (a) a document in the prescribed form itself containing all the prescribed terms and conforming to regulations under section 60(1) is signed in the prescribed manner both by the debtor or hirer and by or on behalf of the creditor or owner, and (b) the document embodies all the terms of the agreement, other than implied terms, and © the document is, when presented or sent to the debtor or hirer for signature, in such a state that all its terms are readily legible."

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This is a credit card. Shouldn't the cancellable box be on the page with the signuture? What's an unless order?

Do I need to put my defence in? If so how? Do I download the n224 form?

Seeing as they have not been able to provide the data can I ask for the case to be struck out?

Ok Been researching Credit agreements. My application form has no cancelation box, no prescribed terms and conditions, It does however have my signuture. My case so far is this - The Default Notice is not effective because it has added charges included and HC have not sent all the paperwork, as well as an ineffetive credit agreement Is this right?

to be honest i only got this on Thursday which was the 23/01/12. it is dated the 15/01/12. There reasoning is that they cannot supply this this and have stated this on the letter

Ive got some paperwork but not the paperwork that I asked for

I have recieved confirmation from Leicester Courts, about what the request of previous statements. I take it I just have to wait for BC

You may receive a leaflet after the case hearing tday to ask if you want to consider arbitration however, I received my offer of arbitration after submitting my first defence and never went to Court in the first place. What is arbitration?

Not sure what the consequences will be for them not having them

No he didn't. The solicitor did advice the judge that there were no more statements pending. I asked that normally when the judge issues an order barclaycard are able to print out these statements.

If I want to go for medation, how would I do this?

Ok.. so the statements are to be provided. I dont suppose you can remember the case he quoted where the T&Cs were acceptable? He couldn't remember the case and asked the HC solicitor if he could remember the case. The HC solicitor said he could not remember either.