Meeru vs Cahoot

[meeru]

Not heard anything yet ... Don't know if no news is good news but I'm hoping to reslove this soon.

Cheers

[jkop]

when is the deadline for them to acknowledge the claim?

they have speeded things up for me defending so quickly!! though I lose out on my £0.44 interest per day

[meeru]

Uh oh! Got a letter this morning and I have to go to court!

The letter reads

District Judge has considered the statements of the case and allocation questionnaires filed and allocated the claim to the small claims track.

AND ORDERED THAT

1. This claim is allocated to the Small Claims Track

2. The Parties shall exchange the following not later than 4pm on 8th December 06
(a) The written statements of evidence of any witnesses whose evidence is relied on in support of or in defence of the claim
(b) Copies of any documents which a party propose to rely on

3. The hearing of this claim will take place on 1st Feb 07 at Manchester CC and should take no longer than 2 hours.

4. It is important to comply with these directions. Failure to do so may result in the hearing being adjourned or the claim of defence being struck out.

5. he judge has considered your case is suitbale for mediation and you are therefore invited to use the free Small Claims Mediation service. The court mediator will be notified of your case. If you do wish to use this service then contact ... blah blah

The court must be informed immediately if the case is settled by agreement before the hearing date.

(Sorry for typos, I was typing whilst reading and copying)

So where do I go from here? Any advice appreciated. Thanks.

[jkop]

just need to prepare your court pack and reply to their defence and give it to court and cahoot by the 8th.

[krissyd]

Hi all,
I am hoping you can help, your posts have been very helpful and I have received my statments from Cahoot and have sent the prelim letter and LBA letter, when my partner said that he didn't think I was supposed to add on the 8% which is on the simple spreadsheet on site?!

Should I not use the 8% column until court time?

Should I start the letter process again?

Any help would be great- thanks!

[jkop]

use the 8% part once you file MCOl - best bet is to start your own thread though that way we can all keep track of whats happening and advise as you go along.

[meeru]

Ok.

I have 2 days to get my court pack in. Can anyone help me with this?

Do I just get every letter I have sent and had sent to me (apart from those WP) and send 'photocopies' to the court or the originals. Also, should I send a cop to Cahoot (or ring and ask them if they want one to see if they are willing to make an offer?)

I'm getting twitchy now but will fight this until the end.

Thanks

[Lager_Lou]

Have you checked out the court bundle in the library?

[meeru]

OH NOOOOOOOO!!

I never sent my court pack off! It had to be in for the 8th and I have no other excuse than I completely forgot.

Have I ruined everything now???????

I can't beleive I forgot ... how dumb am I????????

HELP!!!!!!!!!!!!

[meeru]

Anyone ...please!

[121o121]

What correspondence has the court sent you regarding your court bundle?

[meeru]

Ok, first the good news!

I WON

I have a cheque in front of me now for £597.75 which is my charges, interest and court costs.

Now the tricky bit

My account is £922 overdrawn, with charges continuing. So even if I pay this cheque into the account I am still overdrawn and have to go through the whole process again.

I did get an OD charge taken off when it was going through the process as I rang them and told them the account was currently being invesigated, but since then I have had 3 £30 charges and interest too.

So even if I pay in the cheque I got, clear the charges since the account was being investigated etc, I'm STILL overdrawn and charges continue to be added.

Being on benefits I have no chance of clearing this overdraft just yet so what can I do.

It seems I've beat the banker but they still have a hold on me.

Any ideas, TIA