consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
Debt Action Group > Dealing with Debt in Scotland

Dealing with Debt in Scotland Advice and guidance on Scotland specific debt issues


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 1st September 2008, 05:14   #1 (permalink)
RFC1872
Basic Account Customer
 
RFC1872's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Feb 2008
Posts: 99
RFC1872 Novitiate
Default Summary Cause Summons - Return date 01-10-2008

Hi folks,

Hope someone can help with some advice on how to deal with a Summary Cause Summons.

Background

My child has just left private school. They started with school 6 years ago in primary seven then proceeded on to secondary school finishing in fifth year. They will be starting Uni in September - which we will need to find the money (which by law we have to) to pay their grant. We paid the school fees monthly. But the last year has been one almighty struggle with debt etc, which meant we missed some monthly payments. This has resulted in us owing 3300 GBP. The school wrote to us and asking us for the full payment. We could not afford it and contrary to advice on CAG we ignored it. They passed to their lawyers. We wrote to them stating that we are dealing with it and looking at our finances, though we had a problem with the mortgage Co. and could not give a repayment figure till we knew what was happening with our payments to them. Any how we sent the layers a second letter in which we apologised for the delay but we would try and resolve the matter. We then got another letter form the lawyers giving us a week to respond and as of that date they would initiate legal proceedings - which they have.

The have made their claim against both myself and my partner (Jointly and severally) as far as I am aware it has only been my wife that has ever signed anything with the school. In their statement of claim they state "The Defenders are obliged to pay fees to the Pursuers in respect of tuition for the said child for the period in which she received tuition all in terms of the enrolment Agreement between the parties dated 16 March 2002." How do we get to see this document? What law would this debt come under? Also what are the possible scenarios? Is there anyway that this action can be stopped except by paying the amount in full? How can I ensure that I get the scales more level in terms of using the court process?

Or ultimately, instead of what might be my superfluous questions above, what would be my best course of action?
RFC1872 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 2nd September 2008, 17:39   #2 (permalink)
citizenB
Platinum Account Customer
 
citizenB's Avatar
Default Re: Summary Cause Summons - Return date 01-10-2008

I am unable to help, just bumping your thread to ensure other people will notice it.
citizenB is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 2nd September 2008, 22:16   #3 (permalink)
RFC1872
Basic Account Customer
 
RFC1872's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Feb 2008
Posts: 99
RFC1872 Novitiate
Default Re: Summary Cause Summons - Return date 01-10-2008

"The have made their claim against both myself and my partner (Jointly and severally) as far as I am aware it has only been my wife that has ever signed anything with the school."

Could someone answer this question for me, how can they include someone in this claim who has never had any agreement in regards the child going to the school. Can I ask the other side to provide me with a copy of documents they have relied on. WOuld these be with the court just now?

CitizenB thanks for the Bump.
RFC1872 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd September 2008, 12:01   #4 (permalink)
citizenB
Platinum Account Customer
 
citizenB's Avatar
Default Re: Summary Cause Summons - Return date 01-10-2008

I should think you would be entitled to see any documents the other side are relying on. I truly dont know.
citizenB is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd September 2008, 19:20   #5 (permalink)
RFC1872
Basic Account Customer
 
RFC1872's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Feb 2008
Posts: 99
RFC1872 Novitiate
Default Re: Summary Cause Summons - Return date 01-10-2008

Quote:
Originally Posted by citizenB View Post
I should think you would be entitled to see any documents the other side are relying on. I truly dont know.
I am going to phone the court and ask them what i need to do to see the document the are relying on. Also I will ask them about the claimaint putting me on this paperwork just because they want to?

I appreciate the time you have taken to aknowledge my posting.

Cheers

RFC
RFC1872 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 3rd September 2008, 19:54   #6 (permalink)
citizenB
Platinum Account Customer
 
citizenB's Avatar
Default Re: Summary Cause Summons - Return date 01-10-2008

That sounds like a good idea. I am sorry that there doesnt appear to have been anyone else available to help you.
citizenB is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Reply



Thread Tools


Similar Threads
Thread Thread Starter The Consumer Forums Replies Last Post
Summary Cause Summons Tinohead Dealing with Debt in Scotland 11 1st September 2008 17:41
Summary Cause Summons...Please Help! robert_harvey07 Bailiffs and Sheriff Officers 1 27th March 2008 23:53
Looking for help with Summary Cause Summons Form Fraser1980 Lloyds Bank 4 4th August 2007 10:38
Summary Cause Summons - What I was told by the Sheriff! KHMcBey Scotland 10 24th May 2007 12:39
Clydesdale Bank Summary Cause Summons kaiser_solsay Yorkshire Bank and Clydesdale Bank and Northern Bank 24 18th May 2007 14:24




Do your Internet search here:

The Consumer Action Group and The Bank Action Group are registered trademarks
Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road, London, NW11 7PE

Search Engine Friendly URLs by vBSEO 3.0.0 RC6 © 2006, Crawlability, Inc.