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For a bit of history see Unenforceable agreement question. - Legal Beagles Consumer Forum.
I have accepted the amount claimed but not all the charges. Basically I did a request under S78/79 and the finance company sent me the copy of the agreement only but never sent anything else. They then had a summons issued against me although they had not supplied all the info.
In my opinion as they had not complied with the S78/79 request the summons should never had been issued and I filed a defence. I then issued a "Subject Access Request" and once again they never sent all the details like a copy of the "Terms & conditions" in the SAR which was late anyway. After pointing this out to their solicitor they complied.
On advice from this forum I then dropped my defence and did an admission of guilt for the outstanding amount but not the court and solicitor costs which had increased from £200 to £525. If I had been supplied with all the relevant information as per my S78/79 request I woudl never have incurred these additional costs.
As a result of this a hearing has been scheduled for June, but I can come to an agreement with the solicitor and continue paying at the same rate I have been paying, but for the outstanding amount plus all the additional costs.
Do I have a valid objection to these additional costs becasue their client never submitted all the information as required under S78/79? I was under the impression that in addition to a copy of the agreement, copies of the T & C should have been included plus an up to date statement.
I have accepted the amount claimed but not all the charges. Basically I did a request under S78/79 and the finance company sent me the copy of the agreement only but never sent anything else. They then had a summons issued against me although they had not supplied all the info.
In my opinion as they had not complied with the S78/79 request the summons should never had been issued and I filed a defence. I then issued a "Subject Access Request" and once again they never sent all the details like a copy of the "Terms & conditions" in the SAR which was late anyway. After pointing this out to their solicitor they complied.
On advice from this forum I then dropped my defence and did an admission of guilt for the outstanding amount but not the court and solicitor costs which had increased from £200 to £525. If I had been supplied with all the relevant information as per my S78/79 request I woudl never have incurred these additional costs.
As a result of this a hearing has been scheduled for June, but I can come to an agreement with the solicitor and continue paying at the same rate I have been paying, but for the outstanding amount plus all the additional costs.
Do I have a valid objection to these additional costs becasue their client never submitted all the information as required under S78/79? I was under the impression that in addition to a copy of the agreement, copies of the T & C should have been included plus an up to date statement.
