Defence looks absolutely fine to me You can back up your argument re Statute Barred in your witness statement when you get to that point, they have to sort out paying the hearing fee before that so I'd probably wait and see if they do that first, then if they do, sort out your witness statement. You only haven't included CCA 1974 s 78 in the defence - did you actually send a cca request though ? They will have to argue that a default notice doesn't apply and that statute barred cause of action starts at date of default/termination .... tricky when there is no default and the statement they have supplied clearly states debt written off. They are also failing on assignment from Welcome to MKDP.
You do seem to have a bit of time so a SAR to Welcome ( sorry not sure where their documents are kept now ) might help if it comes back by the time you do your witness statement, or even before the hearing. That should show up the write off/termination/default before the natural end date of the agreement too if you need to counter them.
You do seem to have a bit of time so a SAR to Welcome ( sorry not sure where their documents are kept now ) might help if it comes back by the time you do your witness statement, or even before the hearing. That should show up the write off/termination/default before the natural end date of the agreement too if you need to counter them.
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