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    • Thanks! And thanks to you too sadinca for your help on this board as well! I've been all over these forums and I've gotten support and help from all of you guys whether you know it or not. For all those who say it can't be done, you guys know better! And now I do too!
    • Love it, love it, love it!!!!  Congratulations on your triumphant victory!!!!
    • Oh, and the lawyer conveniently said he didn't have the ccp96 because of his new witness. He handed me a fake set of documents during our settlement meeting before being called to trial. The documents contained a new ccp96 with his current witness named, a bill of sale between HSBC Bank and Capital one, and a copy of a notice from Capital One stating that the alleged account from HSBC is now issued by Capital one. AND......I forgot to mention that the plaintiff's original ccp96 contained the statement that the witness will be authenticating "Information pertaining to defendants student loan and debt". Ummm no.... the alleged account is not a student loan. I brought up this issue, among others, in my trial brief and they were trying their best to plug up these gigantic holes. Not on my watch lol. Feels good to be a winner! 
    • She dismissed the case....without prejudice. A win is a win I guess. Big thanks to all of you who have, and are constantly giving of your time, knowledge and expertise. I love you guys for it! Truly a blessing to have your help and guidance!  Thanks specifically to @Anon Amos, who's inbox I have been hitting up with questions that he so unselfishly has answered. @Thank you! @calawyer, @BV80, @kraftykrab, @fisthardcheese, @Cliff2009, @stick&rudder
    • I won today! I'm so overjoyed! I've been sitting in my car for like 30 minutes going over what just happened in court. I can laugh about it now but I was nervous as all get out over 30 minutes ago lol. So.....I get to court and I unknowingly sit down in the row in front of the lawyer for P&F. He touches me on the shoulder and asks me if I am the defendant in their case. I say yes. So he introduces himself as Josh Spite, an attorney with P&F. He begins to tell me to sign in I'm number 10 on the list and he would like to discuss the matter outside for a few minutes. Of course I know he wants to settle the case which is what he tried to do, and also tried to persuade me that he's going to win the case and that there's a witness from Capital One that will be testifying that I was sent account statements and he's going to ask if I lived at those addresses on the billing statements etc. He basically says "I know we're going to win the case." Then he hands me the bill of sale between HSBC and Capital one, "new evidence"  regarding the case. Evidence not recorded on the plaintiff's CCP96. Also mentions that he brought the witness (who was also not mentioned on the ccp96). I bring this to his attention and he states that his witness is the "other qualified custodian of records" that was mentioned on the CCP96 (not named).  He says he really wants to settle the matter before going to trial. He says once we go to trial then any settlement is off the table. So now I know I'm about to win the case and I just basically started to indulge him at this point because I know he lost with the new evidence that he thought I was not going to object to. I asked him if he had any offers to give and he says do you want to talk to my witness he's from Capital One. I said ok bring him in. This guy, the witness, his name is Clifton InoHara. I remember his name from the verification of the responses to my discovery documents. He basically tries to tell me the same thing as the lawyer, insinuating that I'm not going to win the case based on their new evidence and their account statements with my addresses on them and that he was going to testify to everything. Both he and the lawyer ask if I have an offer if there's anything I can pay  a month and I said no I can't agree to anything  and they said they understand that they don't know my situation. They said we want to resolve this and not have to go to trial. They were literally sitting there staring at me waiting for me to  agree to something, settle out of fear, but nope I didn't budge lol. After I begin questioning Mr. Inohara, I see he's getting a little irritated and says he feels like he's being cross examined and we can just do that in the court at trial and I said okay and they said okay. We went back into the court. When the judge called us up she asked are we ready for trial I said yes your honor and they said yes. The lawyer from P&F begins to tell the judge that he has provided the court with additional exhibits that he just got, in addition to the case in response to my trial brief. I immediately say I OBJECT your honor I told the judge that I was completely thrown off this morning by this new evidence. I said your honor those exhibits were not on the ccp96 statement from the plaintiff, nor was this witness here your honor you have my trial brief and she said yes I do and she is  smiling by now. She knows they can't go on like this 😀. The lawyer proceeds to submit his excuses and the judge says "she is absolutely correct". The lawyer  went even so far as to say that  he didn't have the ccp96 statement with him  and  and the judge said  yeah well the question is does she have it,  and I said "I have it here would you like a copy your honor?" This judge was so tickled today because she was smiling from ear-to-ear. "Would you like to continue,"she says to the lawyer. He stumbles, "Well, no your honor 😂" How's this for a good laugh?
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