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Hello, I hope someone can offer me some guidance.
I had a PPI claim back in 2008 for a lot of cards/loans and went to Bank Smart to manage it (not realising at the time I could have done it myself). Anyway to cut a long story short, they didn't do much, I ended up dealing with the bank directly and then last month they won against me in the court for unpaid fee's of 9k. I did issue a defense which basically said that they didn't do anything for the money but they had a tonne of paperwork and won.
Now here is what I did not realise at the time of the court case, I went bankrupt in 2011 and this affects the debt.
A few notes:
I did tell bank smart in 2011 that I had gone bankrupt and they requested a copy of my bankruptcy certificate which I emailed to them - so they knew.
I didn't mention the bankruptcy in my defense as I didn't think it was relevant.
The money recovered from PPI went to the mortgage company for the house which at the time was the responsibility of the official receiver.
Can you tell me where I stand and how I might phrase a defense to set aside?
Thanks
Marlin
I had a PPI claim back in 2008 for a lot of cards/loans and went to Bank Smart to manage it (not realising at the time I could have done it myself). Anyway to cut a long story short, they didn't do much, I ended up dealing with the bank directly and then last month they won against me in the court for unpaid fee's of 9k. I did issue a defense which basically said that they didn't do anything for the money but they had a tonne of paperwork and won.
Now here is what I did not realise at the time of the court case, I went bankrupt in 2011 and this affects the debt.
A few notes:
I did tell bank smart in 2011 that I had gone bankrupt and they requested a copy of my bankruptcy certificate which I emailed to them - so they knew.
I didn't mention the bankruptcy in my defense as I didn't think it was relevant.
The money recovered from PPI went to the mortgage company for the house which at the time was the responsibility of the official receiver.
Can you tell me where I stand and how I might phrase a defense to set aside?
Thanks
Marlin
