ok i am currently fighting Cabot - crux of my arguments are that the paperwork recevied is illedgible and not recognised as a credit agreement, the date of the NOA is dated after the N1 was issued and the account number they are using does not match any of the account number on the alleged statement print outs - I have to submit my WS soon and any help would be really brilliant

Thankyou very much for your time

Hi Can anyone direct me to a witness statement, that I can use the outline/layout please If it helps I am being annoyed by Cabot Many Thanks

I was hoping to build a case with someones help on the points below, but do take on board what you are saying They are not refusing disclosure, the CCA agreement is, 1. unreadable, 2.no account numbers, 3.also in the guise as an application form 4.Interest rates on supposed CCA are not the same as one on the statments they have sent. Want to strike out, So is it still a N244 Cheers

Thankyou for your help. Can I ask why its dangerous? anymore dangerous than facing the judge who may well just dismiss everything we say

Hi They are not refusing disclosure, the CCA agreement is, 1. unreadable, 2.no account numbers, 3.also in the guise as an application form 4.Interest rates on supposed CCA are not the same as one on the statments they have sent. Want to strike out, So is it still a N244 Cheers

Hi Could someone tell me what form we fill out to strike out a claim which is at the Notice of allocation stage. Have asked them for a copy of CCA many times, they have now replied and stated that it is in all our intrests that any documents not on the disclosure list should be dealt with at the trial. Many thanks

Many thanks to everyone who has replied, I will let you all know how I get on

Hi Spamhead Yes they started action before debt became statue barred, then someone at Morgans/Cabot must have nodded off, or maybe overloaded with cases looking at this site

thankyou for speedy replies. I have filed embarressed defence, and sent of cca and sar and received CD. On cd it has mbna statement and last payment made in middle of june 2004 apart from that nothing

Just after some general advice please Cabot issued claim form August 2009 replied back filing an embarrassed defence. Havnt heard anything till today were I have received a letter via the court asking me to file a particularised defence by the 1st september 2010 The debt went statue barred on the 28th June this year, can I just use this as my defence.

Did I read that if the Torys won power that the days of the blatant mis use of charging orders by the debt collection industry are now coming to an end. Also does anyone know of any better legislation that is due to be unveiled by Nic and Dave

Yes had ago at getting claim struck out as they hadnt provided the proper Docs, judge told me they will provide all the docs when further into the case and it was daft for me to bring this action and rewarded costs to them, but havnt heard a word for last two months.

Issued with claim via Northampton beginning of last October, filed the usual embarrassed defence, also did SAR,CCA had my CD Rom back but havnt heard anything since. The whole debt becomes statue barred in the middle of MAY 2010 is that it or can they still fight on. Many Thanks