what do you mean by file i thought i just had to send 1 to court and claimant

hi i was just writing up my witness statement and was wondering if this credit card application is enforcible sorry if this is the wrong place to ask but thanks for looking terykg

hi just a quick question how do i submit my witness statement is it just three coppies at the court or send it direct also to the dca

so do i need to do a amended defense aswell or just a witness statement and are there and template statement that i can change to fit my circumstance

19 june

the orders that they made is that the stay is lifted and that it goes direct to summary judgement reasons given that my defense just states that i made a section 77 and 78 after proceedings started and they contend that the request is inappropriate and subject to cpr. and because i rely on non compliance with my demand does not constitute a defence also i have to make witness statement by 7 days before the judgment on all party i have not heard back from halifax yet but i have all the statement with all the charges that were made such as overlimit and late charges also have piece of paper showing that they took the £2000 just need help in how to word everything and ato amend my defence

the orders that they made is that the stay is lifted and that it goes direct to summary judgement reasons given that my defense just states that i made a section 77 and 78 after proceedings started and they contend that the request is inappropriate and subject to cpr. and because i rely on non compliance with my demand does not constitute a defence also i have to make witness statement by 7 days before the judgment on all party i have not heard back from halifax yet but i have all the statement with all the charges that were made such as overlimit and late charges also have piece of paper showing that they took the £2000 just need help in how to word everything and ato amend my defence

hi would like help with witness statement and ameend defense

bump

hi recieved court pack need help writting witness statement and a amended defense court is 19 of june

hi phoned the court and they said that a hearing is scheduled for next month and i should be recieving a letter tommorow

thanks for all help the dca dont know about the 2000. the bank only told me about it affter my mortgage was not sent out of the current account and i asked what was going on and i was informed that it would be used for my credit card debt so any advise on how i should handle that 2000 would be much appreciated

i have just recieved a letter stating that the case has transferd to my county court no date when summary judgment will happen no witness statement and they have not replied to my cpr request they said theyt would request it from halifax but i am not sure if they will say that i recieved it as at the time i also made a dsar request which i have recieved. the 2000 was saved in a current account which they closed and kept the money for the credit card debt but it has not been credited to the debt

hi im new to this forum so dont know if this is the right place to post. last year i recieved a ccj claim form i defended with a amended defence as i ran out of time to force them to cpmly with my cpr31 request and now i recieved a notice of transfer to my county court for summary judgement. i have not recievde from them any of the items on the cpr but i did a dsar request to halifax and found out that i originaly borrowed 4000 but have repaid 12000 over the years with all the charges for being overdraft and late payments my debt is still 4000 plus interst my question is how should i go about making a defence based on this also the amount that is shown that i owe does not account for 2000 they took setting off my current account. Name of the Claimant ? 1st credit Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. november 2013 What is the claim for – the reason they have issued the claim? Please type out their particulars of claim (verbatim) less any identifiable data and round the amounts up/down. the claimant claims 6000 for debt and interest. on xx/xx/2003 the defendant enterd into an agreement for a credit card with bank of scotland plc under ref.xxxxx. on xx/xx/2010 the defendant defaulted on the agreement with an outstanding balance of 6000. on xx/xx/2012 the debt of 5400 was assighned to 1st credit(finance) 5 ltd. on 19/11/2012 the company changed its name to cai finance ltd and on xx/xx/2013 assighned the debt to 1st credit( finance)ltd. notice of assighnment were sent to the defendent in accordance with s.136 law of property act 1925. and the claimant clamis 1. the sum of 5400 2. statutory interest of 500 pursuant to s.69 county courts act 1984 at a rate of 8% per annum from xx/xx/2012 to xx/xx/2013 and thereafter at a daily rate of 1.06 until hudgment or sooner What is the value of the claim? Has the claimant included section 69 interest (8%)within the total claim or is it shown separate within the Particulars but not added to the debt? yes it is shown Is the claim for a current or credit/loan account or mobile phone account? credit card When did you enter into the original agreement before or after 2007? before Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. assighned the debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? yes Did you receive a Default Notice from the original creditor? cant remeber Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? not sure Why did you cease payments:- self employed could not afford to pay debt had other essentials to pay e.g mortgage Was there a dispute with the original creditor that remains unresolved? yes they closed my current account and kept 2000 which has not been taken off the credit card debt Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? no i tried to explain to them i was having difficulty but they set off my current account and i put me into more difficulty