Superashley
-
Posts
37 -
Joined
-
Last visited
-
Ok defense submitted. I really cant thank you enough. Its a huge weight off my mind. Lets wait and see what happens next. Thanks again to everyone that has helped me. x
-
I will sit down and read this properly in 15 mins. But thank you so much, you have saved my life!
-
Please if anyone sees this and can offer any advice before lunchtime tomorrow, I would be eternally grateful, i have been up all night researching this forum and looking at other peoples defenses to try and write mine. I was thinking that i would say that i am willing to pay the original loan amount but not all the fees and charges or ridiculous interest as the interest seems to have been added to an amount £2647.45, not the £1000 that was the original loan. This original amount is not stated ANYWHERE, nor the fact that i was paying £140 a month when the agreement says £74.60. I would also want to state that despite all the charges for letter fees and although they have produced copies of letters they say were sent to me, I have never received anything from them apart from a statement a year or so ago which is when i noticed how much i owed. I write a letter to ask for details. I didnt do an sar as at that point i didnt realise that wahat you had to do. Then the next thing i heard was the court papers. I know im starting to sound desperate but i am desperate. I have until 4pm tomorrow.
-
Ok, so I have to have it submitted by 4pm tomorrow. I am going to look through the forum at some examples of defences and try and draft something now. If I haven't had any other replies by 1pm tomorrow I will send it and hope for the best. Thank you all for your help with everything so far.
-
Hi thanks for your reply. The capitalisation is what they call the interest according to them. The reduced payment isn't shown on here at all, it just shows all payments being of 74.60 or whatever it says. So I don't know if this means it wasn't noted in their system or they haven't sent a full statement. I don't know how that works. But another thing is the re finance. That's also not mentioned in any of the docs they sent. I dont even know if I have grounds for a defence.
-
Thank you so much!
-
Yes I posted a link to the forms a few posts back.
-
No body can help advise me? I haven't herd anything regarding the sar. I need to put in my defense or admission or whatever tomorrow evening.
-
Ok so sar was sent end of last week. But I don't hold out hope of getting anything back in time. It would be in their favour not to rush and seeing as they have 40 days to respond and I need to send in defense or admission by Friday it doesn't look good. So I need to proceed, and then if I get it great. I. An tell from the documents I have been sent that something is not right but it's not easy trying to pinpoint what or trying to prove it. Should I be saying I'm not paying or saying I will pay some or all? How do I word it when it comes to submitting your case? Starting to get really anxious and atressed now. How should I proceed with this?
-
Thanks for your advice! I will get of the sar tomorrow. Do i still send it to welcome via Cohen? Its a long shot what with the time they could take but i will try.
-
So should I contact hem and ask them for those details? I don't have much time left, defence is due in by next Friday.
-
No I didn't send an sar. The refinance thing is what confuses me, I did refinance but it doesn't mention the original loan or any payments I made before the refinance. According to this agreement I didn't have ppi
-
Ok lets try again![ATTACH]45223[/ATTACH]
-
Hope I have done it right!
-
Here are all the documents I have been sent. Any advice is greatly appreciated. x [ATTACH]45221[/ATTACH]
