Hoist/? Claimform Santander credit card how to respond after receiving claimants documents at 12th hour!

[dx100uk]

aha understand now

its a very old abbey card

so no issue with the numbers

[Cricketwidow509]

aha understand now

its a very old abbey card

so no issue with the numbers

 

ah yes, apologies, it's so long ago I'd forgotten they used to be Abbey before they were Santander.

 

 

So, any thoughts as to my best course of action?

 

 

Do I ask for the hearing on 7th March to be vacated/adjourned to allow me time to respond to their statement?

 

 

Do I have any further defence now they've produced the documents?

Perhaps the missing date/signatures on the agreement?

Or my assertion that it should be statute barred as the payments they have on record were retrieved from a linked bank account with the same bank?

 

 

I was quite clear on all this before they pulled the documents out of their proverbial backside,

and was feeling pretty pleased with myself!

This has muddied the waters somewhat!

 

oh or option C, do I just wait and see what happens at the hearing?

I don't overly like this option,

I would prefer to be proactive!

[citizenB]

Did you receive a default notice giving you 14 clear days to remedy the breach and when was that dated ?

 

Once this has been issued and no breach remedied the bank/creditor can then take further action. Usually they will add a default marker to credit files up to 6 months afterwards.

 

I do not understand why if your last payment was 2009 that at least a Default notice wasn't issued around that time. However, if the bank was offsetting payments to the debt then I can see what they are saying that no breach was committed !

[AndyOrch]

Have you submitted your witness statement and disclosures...as per the courts directions ?

 

Andy

[Cricketwidow509]

Have you submitted your witness statement and disclosures...as per the courts directions ?

 

Andy

Yes I have, but my witness statement was submitted by the deadline and before I received any of the info from the claimant

, and went along the lines of 'I have no information regarding this debt despite submitting a CPR and CCA request, so have no details on which to defend the claim' etc etc

 

Did you receive a default notice giving you 14 clear days to remedy the breach and when was that dated ?

 

Once this has been issued and no breach remedied the bank/creditor can then take further action. Usually they will add a default marker to credit files up to 6 months afterwards.

 

I do not understand why if your last payment was 2009 that at least a Default notice wasn't issued around that time. However, if the bank was offsetting payments to the debt then I can see what they are saying that no breach was committed !

 

They state in their witness statement that a default notice was sent 25/06/2009, I don't recall receiving this but that's not to say that it wasn't sent.