Re: Elephant in the room
You're crossing between Paul's way of thinking and mine - forgetting the legal point of view for a moment, we tend to stick with the attitude that no two cases are the same so do whatever is best in YOUR personal circumstances..
So, whether to keep paying or not? Why? Why would you? This is one huge game of poker so we would generally say why pay, you need to play the game and if they make serious threats then you cross that bridge when it comes to it. If however you're worried what a judge may say, assuming it ever gets through the doors of court, then you'd be playing a different game to that which our guys play, that have UE diaries.
In essence, unless you cease repayments what does it achieve? Ideally you're trying to cease repayments and get past the SB line before they take action. Some you win, some you lose.
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Elephant in the room
Ok am sure many are thinking the same question but not willing to put their hands up so I will.
A sudden flurry of being referred to Pauls blog which is a good read.
However the very first thing that comes to mind and there will be a simple explanation to it I am sure is where does the stop paying on a CCA request from the templates fit in with the s78 non compliance isnt an excuse not to pay?
Obviously can understand if you have a duff agreement that becomes the dispute but what if they just refuse to give you anything?
(Both the 2 I have started and now stopped paying have not given me diddly squat so for me this is happening right now)
They are in non compliance of the s78 but I should be still paying?
How do you then force the issue if the judges dont see this as a reason not to pay. And if you refuse to pay does that damage a possible defence further down the line?
Surely they cant just sit there ignoring us asking for something they are supposed to give us but we cant use this as the dispute. All well and good if that then morphs into something more serious on the CCA itself.
A simple numpty speak version would be appreciated.
Thanks
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