Defence document from wragg & Co ***SETTLED***

[zeethat]

A & L Claiming £680 offered £280 and rejected.

Just recieved a defence doument from Wragg's defending the claim outling all the details ect; any one know if I have to respond to this document or not ??.

No court date either? hoping for an improved offer before the 16th June deadline.

PS: The Court says Northampton County Court, I assumed it was going to be in Birmingham, do i have to go to Northampton if we get to court stage???

Cheers
Many thanks Zee

	County Court guidebook by Judge Patricia Pearl Follow this link to read the review of this excellent Small Claims Guidebook. This comprehensive and very accessible guide will take you through the process of suing or defending a claim. This guide will help you take control of your litigation and make you more confident about doing it yourself. Applies to England and Wales

[ChloeJane]

Hi there,

If you filed with Money claim online, the matter will be transferred to your local court.

No you don't need to do anything at this stage with the defence, just wait for the court to be in touch and let you know what part is next.

The defence is normal, so to stay ahead and be prepared, it is worth reading this link!

http://www.consumeractiongroup.co.uk...ate-guide.html

All the best.

CJ

[zeethat]

Ok Thanks very much for the info CJ

[zeethat]

COURT BUNDLE details need Please.

Hi, I need to get together my court Bundle for Monday 30 July ( in court 14/8 )

Can some one please give me some idea of what documents I need to send to the court and Wragg's these documents.

Thanks for your help.

[hedgey06]

The contents of your bundle depends on the directions given to you by the court. Read these theads for further information: GOT A COURT DATE? A guide to the later stages and Basic Court Bundle and Examples of Witness Statements / Disclosure by List / Draft Directions / Case Summary

[zeethat]

Thanks hedgey06

It just states that each party shall deliver to every other party and to the court office copies of all documents.

So is that all the letters I have send and received and do it on an itemised spread sheet.

Do you know if I have to send copies of the statements covering the last 6 years, I certainly hope not.

Cheers

[zeethat]

Hi all, can anyone help me, It appears I may have miscalculated the 8% charges somehow on my original claim.

I had claimed £82.76 in interest charges, but after re-entering the figures again on one of the spread sheets it comes to £130.18.

Do I stick with the original amount I asked for or use the new figure.

Many Thanks

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[gizmo111]

Hi,

This would depend really on if you have filed your claim or not.

If you have filed then an amendment would cost you £35 and is not recoverable, if you haven't filed then you can amend figures up to the date of filing claim.

[zeethat]

Well I have the court date of 14 Aug and are now about to send to the court and Wraggs the full court bundle ect: So can I send the new figure or not????

Thanks

[zeethat]

Can any one help please, I am just putting my case bundle together.

Do I need to send the copies of all past 6 years bank statements, or just take them with me.

If I do need to send them do I just send the copies of the statements that any charges appear on.

THANK YOU

[alice-rose]

hi zeethat

if you wish to amend your claim figure-
you will need to complete
Forms N1 and N244
which are downloadable from this site.

If you go ahead with your amendment,
and as you now have a Court Date for
14 August,
you will need to send these two forms
to your local Court with a cheque for £35.

if you need any more help,
just post another message and someone
will come along to give you some help


good luck

alice x

[alice-rose]

hi zeethat

me again,
just looking at your figures
it may not be financially viable
for you to complete the forms
seeing as the difference is only £47.72

£ 130.18 less £ 82.76 = £47.72 extra monies to be claimed back

but: cheque to court would be £35.00

meaning you would only be £12.42 better off ? !

You might be best speaking with the court
direct, and asking if they will let the figures
stand as they are, or whether you still need
to complete Forms N1 and N244,
in view of the small amount involved.

i wish you good luck with your claim

alice x

[alice-rose]

good morning Zeethat

Yes Zeethat, Regarding your Court Bundle

You need Copies of All the Bank Statements
that Show the Bank Charges taken from you by Alliance & Leicester
to go into your Court Bundle.

Only the Bank Statements that show the charges.

Use a Highlighter pen on each Payment taken from your Account

Good luck Zeethat

alice x

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

[alice-rose]

Hi Zeethat

Can you please type out your

Directions from the Court

onto this thread -

word for word as they appear on the Document

and then we can help you get your Court Bundle together.

good luck
alice x

[zeethat]

Hi Alice

It says, District Judge has considered the statements of case allocation questionaires filed and allocated the claim to the small claims court.

Each party shall deliver to every other party and to the court office copies of all documents (including any expert report) on which he intends to rely at the hearing no later than 14 days before the hearing.

The original documents to be brought to the hearing.

===========

With regard to the interest it was at the time on 11June when I wrote to Wraggs £82.11, but as I am filling in the spread sheet to send to the court at todays date the interest figure has gone up, so I unsure which one to use. The £82.11 which I was claiming on the 11th June
or I use the uptodate figure at todays date.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[zeethat]

Hi all just need some help on the following.

Just about to send the court bundle in, I have printed of the latest schedule of charges including the 8% interest.

The 8% figure at todays date higher than mentioned in previous correspondence to wraggs on 21 June.

Which figure do I send to the courts???

As of 21st June or as of Today or neither just itemise all charges that appear on statements.

Thanks

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[MimiJane]

Yes, the interest varies according to which date you work it out on

I'd stick with your original one, or it will only complicate matters. Thinking about it, I would say you'd probably HAVE to stick with the original amount of interest, as that's what it was when you instigated your claim.

Hope this helps.

Mimi x

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[zeethat]

Ok many thanks

[bobberding]

Didn't we all send our statements when we registered the claims in the first place?Do we have to send them again as the court and the bank already have copies they can look at.In fact that is what they must look at to file a defence.

	County Court guidebook by Judge Patricia Pearl Follow this link to read the review of this excellent Small Claims Guidebook. This comprehensive and very accessible guide will take you through the process of suing or defending a claim. This guide will help you take control of your litigation and make you more confident about doing it yourself. Applies to England and Wales

[zeethat]

I didnt send the statements when I registered the claim, I shall just send the ones with the charges on when I send my bundle of other stuff to the courts to be sure.