Beneficial Bank

jamesdryan · 9th May 2006, 09:57

I had a credit card with BEneficial, sent preliminary letter which recieved a f**k off response and then sent LBA.

No reply to that so am due to start court claim today.

However this is the address in the letter i received from them:

Clare Plummer
PO Box 3607
Birmingham
B1 2XJ

I can't claim against this address can i?

Should i use the HFC registered office address?

help!!

Spiceskull · 9th May 2006, 10:09

Hi,

I would use the address of where you sent your first letter to, and hopefully this is local to you. If they wish to shuffle letters internally that is up to them.

The benefit of staying local is that you would not have far to travel to court in the unlikely event they did not settle beforehand.

Good luck, and keep us posted.

jamesdryan · 9th May 2006, 10:11

Cheers Spice,

the first address i sent the original letter to was the just

The Manager
PO Box....
etc.

Would that be ok to serve a claim against?

Spiceskull · 9th May 2006, 10:14

I'm not sure that you can use PO boxes on a claim, because there would not be a person to receive it when it is issued - it might be better to use the head office after all.

jamesdryan · 9th May 2006, 10:16

The only address i have from them is the registered office of HFC. I assume this would be ok to send to?

Spiceskull · 9th May 2006, 10:18

I would use whichever office/address you usually use to correspond with them, just so long as this is not a PO Box address. The claim will need to be issued to a 'real' person in a 'real' building.

If the registered office fits this bill, then use that address.

jamesdryan · 9th May 2006, 10:24

I am going to phone Clare Plummer and see if i can get an address for her directly. At least then i could serve the claim on a proper individual.

P.s. I am assuming then using MoneyClaim, i would be serving a claim against an Individual?

Spiceskull · 9th May 2006, 10:29

Quote:

Originally Posted by jamesdryan

P.s. I am assuming then using MoneyClaim, i would be serving a claim against an Individual?

Not at all - you are issuing the claim against the bank/card issuer. It would be okay to put 'The Manager' or similar in the defendant's details, but this is only because they are a representative of the bank. Naming an individual could cause problems, but there is no harm in asking her where official documents would need to be served.

jamesdryan · 9th May 2006, 10:32

Ahh i see, so i am claiming against the Organisation then.

Just spoken to Clare (seemed nice!) and she gave me out the PO Box address first, but when i hassled her she gave me a proper address for her:

120 Edmond Street
Birmingham
B3 2QZ

Spiceskull · 9th May 2006, 10:35

That's the best address to use then. I would put 'Beneficial Bank Ltd/Plc?' as the defendant, and avoid putting any named person/position on the form.

jamesdryan · 9th May 2006, 10:37

Cheers Spiceskull, you've been much help. At least at MBNA i have names and addresses to send to. With Beneficial it's like i'm dealing with a metal box that collects the letters i send and shreds them!

Spiceskull · 9th May 2006, 10:42

I have to say I agree. I was getting frustrated for a while, then searched the forums for an address for Beneficial and realised that they were very slippery indeed.

If that address proves to be correct, or if you find a more suitable address, can you please PM me with the details so that we can put it into the 'contacts' sections? Cheers.

jamesdryan · 9th May 2006, 10:48

Will sure do, MoneyClaim to start today.

Spiceskull · 9th May 2006, 10:49

Good luck, and keep us posted.

jamesdryan · 30th May 2006, 11:34

Well they had until 29th May to file a defence as the claim was deemed served on 15th May.

Do i go ahead and start judgement on the Money Claim website now as i haven't heard a bean from them?

J

jamesdryan · 31st May 2006, 15:43

Well, started judgement on this case yesterday. Money Claim website just saying i have applied for judgement.

Does anyone know what goes on from here???

jamesdryan · 1st June 2006, 09:58

Well seems the ******* have responded. Just looked at the Money Claim website and it appears my claim for judgement has been rejected because Beneficial have acknowledged the claim.

So it says they have 28 days from when they are served the claim to reply. Has anyone got to this stage with them?

I guess that gives them until Monday 12th June to reply. I go on holiday on 16th so something had better happen soon!!!

lee6370 · 1st June 2006, 11:22

If they send in their defence, you should get your allocation questionaire just before you go on holiday, so with any luck you'll be able to get it off to the court in time.

If not it may be worth having a word with your local court nearer the time.

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