Hi Ell-enn Could you please have a look at post #26, so I can email the court today as the hearing is on Monday. Many thanks

Hi Ell-enn Thanks for your reply. The Statement is ready to go, I was just unsure whether to send it is as I thought maybe some of the paras now do not relate as it was earlier for a possession hearing and now the hearing is for the case to be adjourned?.....

Hi Just a quick question... do I need to put anything in writing to court?

The court has confirmed that they have received an email from the claimant stating that both parties agree to have the case adjourned with liberty to restore. The court informed me that the hearing will still go ahead and the letter from the claimant will be put on file for the judge to see, I was also told I could email the court if there is anything i would like to put forward to the judge. I haven't taken the statement to court.

Hi I spoke with Natwest and they have confirmed that the hearing has been adjourned and were confused as to who had requested the hearing as it wasn't Natwest or their solicitors?... I then rang the court and there was an issue getting into the system and I was told that someone will call me tomorrow morning to confirm.

I will definitely keep you posted and if the hearing gets cancelled I will get confirmation from court. many thanks

Thanks Ell-enn I will get these documents completed and hand them in tomorrow.

Thanks Ell-enn I will definitely go to court on Monday as I can't wait on Natwest.

Thanks Ell-een. My partner had a chat with Natwest today as we were not happy about the way they reinstated the possession hearing in the midst of setting up a repayment plan, and that we have had no correspondence or calls regarding the hearing from Natwest or their Solicitors. Natwest apologised and have said they would look into the matter and will get back to me on Monday, as they agree this should not have happened and the order doesn't give sufficient time scales. I will update you on Monday. Yes the N11M form was only with the original claim which i never filled in as the hearing was adjourned as mentioned in my previous post. Thank you for helping with the defence and sending the budget sheet calculator. I will print off the monthly payments to my mortgage since January as proof. I don't have anything in writing/email regarding the payment arrangement they are offering me of 30mths, i will request this from them on Monday.

Hi Ellen Thank you for getting back to me, appreciate it. Yes I do have the ——— Forms which were sent in the original claim in Jan ‘23 but the hearing was adjourned with liberty to restore for a year only. The original claim was issued as a miscommunication with the solicitors & Natwest, we were in midst of sorting out the arrears directly with Natwest and our account was on hold, but the solicitors requested a date for the hearing which was then adjourned. We were in midst of sorting out a variation deal where we extended the term for our mortgage to free up some money to put towards the arrears. This all went through but took until end of March for them to implement it, which they apologised yesterday for but no one got back to me regarding sorting the arrears after the variation was completed which is what should have happened.... we continued to pay our mortgage Direct Debit every month since Jan ‘23 with no missed payment and the arrears have not increased since. I have NOT spoken with the Legal team at Natwest but the financial support team who only have the authority to set a plan for 30mths maximum.... The letter I received couple of days ago was to restore the hearing with a date and I have attached the order, as can be seen it’s less than 14 days they have given us to sort it out. Court Letter.pdf

There was no N11M form. Is the mortgage in joint names ? yes. Are there any children living in the property? yes one child 2 years old. What was the reason for the arrears? Pandemic, we are self employed and had no Government help. Are you able to work with Word documents? and have a printer? yes What is the date of the hearing? and are you able to physically take documents to the court ? 3rd July, yes I can take the documents to court. I will come back to you tomorrow when I have all the above info if that's OK ? Thanks Ell-en

I can comfortably do £150, and your help with the defence statement would be very much appreciated.

I have 22 years left

Hi Honeybee Thank you for replying and flagging this to Ellen. I had a few health issues in the past and fell into arrears during that period, Natwest have a policy where you can capitalise arrears once every 5yrs, which is what i did back then. I have just over a year remaining in order for me to try and capitalise again, to which I have asked to do it now but they have said they won't do it even as an exception earlier than 5yrs, again an old policy of theirs. Regards, Roland

Hi there I have a possession hearing coming up in under 10 days and I only received the notice yesterday with the postage stamp date for the day before, giving us less than 14 days to sort out a solution with our mortgage provider. The hearing is due to the arrears accumulated during the pandemic, our monthly contractual payments are all up to date for the last 5 months all on time, no late payments and the arrears have not increased since. I have spoken to the mortgage provider over the last 2 days and they are willing to set up an arrangement for the arrears over a maximum of 30 months only, the arrears are just over £19K and works out higher than our contractual payment itself! I have been trying to get them to extend the repayment term for the arrears but they are saying 24-30mths is their usual policy but this is only doable with the help of additional funds from the family, to which I have said that this policy is old and not right for what’s happening in the market today with the mortgage crisis and a lot has changed over the last 2yrs, policies need to adapt with what’s happening today, and according to the media banks will look at each case individually. My query is that will I be risking it to attend this 10mins hearing that has been arranged to try and get the judge to extend the repayment term for the arrears? Thanks Roland

Thanks Andy The date for the judgement notice is 31st Jan 2020. Thanks for the exemption check list, I will check this out.

Thanks Andy and Ell-enn for getting back to me. Andy the Order states 'on or before 14th Feb 2020', so does that not mean that i need to sort this out by 14th Feb, this coming Friday?... .. Also regarding the N245 Form, it costs £50 and is that definite that it would be used against the Judgment?.... Also could i be exempt from the £50 fee for the N245 as I am on Working Tax Credits?.... Regards, Roland

Hi there I received the Judgement Order yesterday stating that the Claimant to be paid the sum on or before 14th Feb 2020, as the judge only allowed me 14 days. When we came out of the court room the advocate for the claimant said that we can call up the Mortimer Solicitors and do a payment plan...... What would you recommend I should do.. .. contact the solicitors or do the N245 form... .. bearing in mind that i only have till Friday to sort this out..... Previously in a similar situation to this, I dealt with Lowell directly and sorted a payment plan that i was comfortable with after doing an income & expenditure with them. Not too sure what Mortimer are like?...... Many thanks, Roland

Yes Andy, very unfair, it wasn't the same judge as the last hearing, if only it was he would have definitely struck the claim out as they argued the same points as the last hearing. How can judges be allowed to make such rulings without knowledge of the issue in front of them and then to read my WSs when we are sat there, still shocked!

Hi everyone I had my day in court on Friday, it was a very unfair trial, judge was clueless, the advocate for Mortimer Sols winged it, and I ended up with a CCJ! My hearing started 2&1/2 hours late and it was nearly 12.30pm, bearing in mind the hearing was allocated 2 hours, as soon as we entered the hearing, the judge said looking at the time, lunch is coming up! He then went on to say he hadn’t read either of MY WSs and needed a couple of minutes! He then went on to say he was only interested in my Amended Defence! I found this very odd as my WSs both had a bearing on the case. The advocate went on to go through the history of the account and said that I had put a very good Defence & WS forward, the judge then asked me my issues with the claim, hence I mentioned the Recon Agreement not correct due to it not being my signature and a different 16 digit number on it, the account is for a LUMA card and not a Capital One card as my Capital one card which is being served by Arrow Global. The judge quickly replied, it’s like having a Marbles Card but it is issued by Barclay’s Bank! The Judge then said I had made a mistake with the 16 digits that they were wrong and in fact there were 18 digits and that didn’t make up a credit card/bank card number. I quickly corrected the judge and said I am 100% sure it’s a 16 digit number to which the judge confirmed, yes his mistake, there are 16 digits. I told the judge that the claimant was back tracking from it being an account number to just a ‘document number’ now. Judge said nothing to this. The judge then went on to say that I was saying that the recon agreement is wrong and it’s for a Luma Card not a CAP1 Card, to which I said yes. The judge then asked the advocate for the claimant, “how important is this agreement for this claim, is the claim barred without an agreement?”…… I was so shocked the judge actually asked this!!! Of course it’s important! I just felt he had already made up his mind before coming in and lunch fast approaching that he was going to let the Claimant win. The advocate looked just as shocked as I was and he delayed replying back to the judge! He said he wasn’t too sure about it being barred without an agreement, so the judge started to look up Section 78 of the CCA 1974. The judge then confirmed yes, we do need an agreement. The advocate started going on about, “well I don’t think they paid the £1 for the request, so the request is not valid”!! The judge ignored this as how else was I supposed to get documents for a claim against me! The judge asked the advocate if he had any case law to help this matter regarding the validity of the recon agreement and the advocate mentioned the Carey case, that it only needed my name and address on the recon agreement and nothing else mattered. The judge looked at the case law and said yep, that’s right and nailed the coffin at that. I mentioned again, why my false signature on this recon agreement and that too done digitally when I applied by post and signed by hand, why a different 16 digit number on the top of the agreement and why no mention of a Luma Card? The judge wasn’t interested and said that didn’t matter. To further shock me, the judge said, “how can we go about this claim then with what we have, as seems like a technicality issue”….to be honest I would have thought the claim should have been struck out at this point but the judge suggested to the advocate, “why don’t you cross examine the defendant (me) but the defendant can’t cross examine the advocate as he hadn’t written the WS”, how was this fair? The advocate agreed to the cross examination, the judge went on to say, “shall we adjourn this for lunch or will your questions be quick” to which the advocate replied he’d be quick! I might as well have left the court and left them to it! The advocate started his questions from my original defence for the claim, to which I said I have an amended Defence, and I needed the relevant documents as per my CPR 31.14 and Section 78 request. He then went on to the statements which were digital print offs with my name on the first page, asking do I recognise any of the transactions….. I said I recognise some of the transactions on the page with my name on it. He said you have denied the debt, it is not true that you have another Capital One Card. I told him that I have presented the account number for the CAP1 Card in my WS2 and that it was true. He just wouldn’t have it, said I was lying about it and that there was no such other card. I then told him that I have the actual CAP1 Card at home and the advocate said why I hadn’t bought it in with me for evidence! I told him that the account number for the Cap1 Card was sufficient and that they should have verified that themselves. That was the end of his questions. The judge said is there anything else I would like to mention as I can’t cross examine the advocate, to which I said yes, by placing my name and an account number on a blank page before the recon agreement doesn’t make it mine, I do have another CAP1 Card so how can there be the one agreement for 2 different cards. The Judge then went onto conclude the case, by serving me the judgment. The advocate quickly piked up to ask for costs, both for the last hearing and todays, plus hearing fees, Summary Judgment application fee from last hearing, summary judgment fixed costs, costs which he claimed he was entitled to pursuant to CPR Part 45. The judge said that costs on the last hearing were silenced so he isn’t granting them, and if he could prove why he was entitled to CPR part 45. The Advocate replied he was entitled to his costs due to ‘my weak defence’. The judge replied that this was not a good enough reason and wasn’t allowing them. The only costs allowed were the initial court fee and solicitors fee when the claim was issued, £150 compared to the further £460 he wanted! The judge then asked me how long I wanted to pay the judgment figure to which I requested a payment plan, the judge cut me short and said, you have 14 days to pay the claimant, if you want it varied etc apply to court! I also said that I would like to mention to the advocate that I was entitled to defend the claim weak or not and that this is not what I do for a living and no law says I couldn’t defend it. The case was dealt within 45mins! I feel the judge didn’t have a clue about credit card issues and the advocate had caught on to this too, the judge had already made his decision without reading my WSs & Amended Defence and wanted his lunch. Had I taken in the other Cap1 Card wouldn’t have made a blind bit of difference I don’t think as the judge was clueless on Recon Agreements, tried to catch me out on the 16 digit number on the recon agreement and ignored my false signature and called it a technicality issue. Thank you for all the help and advise, it was definitely an unfair hearing. Roland

Thanks Andy & DX, I will email it over to court later today, will post it to Cabot Sols in the morning. Regards, Roland

I have also changed this to be my point 5 in the WS2 post #81 and deleted the current point 5. Thanks, Roland

Hi Andy, I'm going to go with the para you have mentioned in post #94, as the hearing is this Friday and I want to get this in the post today and emailed to court in the hope of Cabot calling the court and discontinuing the claim before Friday! I made a slight adjustment, is this ok? 1. Since the last hearing dated 4thDecember 2019 I have discovered that I have in fact held two agreements with Capital One Bank (Europe) Plc in the past. One branded a Luma Credit Card Account Number XXXX which was issued in 2012 and a Capital One Credit Card Account Number XXXX which was issued 2015 and is currently being serviced by Arrow Global. Therefore the disclosed Reconstituted Capital One Credit Agreement presented in this claim cannot possibly be true or connected to the Luma branded Credit Card that this claim relies upon. Thanks, Roland

Yes DX, both come up as Cap 1, one a classic Card and the other a Mastercard.