When I looked at this with another solicitor many years ago, he mentioned that they had not incorporated the prescribed terms in their original agreement and therefore there was a breach. Do you want to see this agreement?
OK so are you going to refer this to someone else?
Yes but I would like an answer by tomorrow.
Dear Alex, the last time I paid anything to the company which was Northern Rock was May 2008.
Yes my position has always been that they did not have the prescribed terms and yes I did have the loan.
The claim is for £1,289.97 to include court costs
OK thanks. So if it was for say £10,000 would that make a difference?