Tweet
Hi guys, thank you all for your help and support. Last week I had the trial and as expected, I lost. I try to make a resume of what happened, maybe it would be helpful for someone.
Because of covid, it was a telephone hearing. The trial started 10 min late and all was very fast. First of all, the judge said he didn't have time to read the witness statements. For me, the outcome was obvious from the beginning, the judge asked to me if I agree with Uncle Buck debt, why I'm not paying it. And I told him because the Claimant didn't prove he owns the debt. But it was unimportant for him, the only thing that matters is the contract with Uncle Buck. He said said he doesn't know the laws regarding this, so it's on me to prove there is something wrong with it. And I should provide using examples from commercial law.
They had some mistakes in their paper, some reconstituted documents, with wrong date, or different format from the original one, but it was fine for the judge. I complained about UB sold the account without termination of contract or ND, and when I wanted to argue about the chain of assignments, the judge rushed me and he said there is no time and he has to make a decision.
The Claimant's solicitor didn't have too much clue about the debt, most of the times he said he is not aware of this, or doesn't know about what I asked but still in the end they won. I think a good solicitor will win easy against these bunch of amateurs.
The judge accepted all their request, and they added £200 on top of the claim which was less than £500. I requested 28 days to pay, but the judge said: ,,you don't need 28 days, 14 it's fine.'' My opinion was he treated me bad from the beginning until the end. Maybe he has his own reasons. I have to agree I lost because of me, I don't have the knowledge to win this, but his attitude disappointed me and he didn't give any chance.
He said to contact Perch Capital to make the payment asap. What should I do next? Contact Perch and tell them what? How should I make the payment and how to prove to the court this? Can someone please advice me what steps to take in order not get a ccj on my file?
Because of covid, it was a telephone hearing. The trial started 10 min late and all was very fast. First of all, the judge said he didn't have time to read the witness statements. For me, the outcome was obvious from the beginning, the judge asked to me if I agree with Uncle Buck debt, why I'm not paying it. And I told him because the Claimant didn't prove he owns the debt. But it was unimportant for him, the only thing that matters is the contract with Uncle Buck. He said said he doesn't know the laws regarding this, so it's on me to prove there is something wrong with it. And I should provide using examples from commercial law.
They had some mistakes in their paper, some reconstituted documents, with wrong date, or different format from the original one, but it was fine for the judge. I complained about UB sold the account without termination of contract or ND, and when I wanted to argue about the chain of assignments, the judge rushed me and he said there is no time and he has to make a decision.
The Claimant's solicitor didn't have too much clue about the debt, most of the times he said he is not aware of this, or doesn't know about what I asked but still in the end they won. I think a good solicitor will win easy against these bunch of amateurs.
The judge accepted all their request, and they added £200 on top of the claim which was less than £500. I requested 28 days to pay, but the judge said: ,,you don't need 28 days, 14 it's fine.'' My opinion was he treated me bad from the beginning until the end. Maybe he has his own reasons. I have to agree I lost because of me, I don't have the knowledge to win this, but his attitude disappointed me and he didn't give any chance.
He said to contact Perch Capital to make the payment asap. What should I do next? Contact Perch and tell them what? How should I make the payment and how to prove to the court this? Can someone please advice me what steps to take in order not get a ccj on my file?
Comment