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Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
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Are you being threatened over debts more than 6 years old?
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| | | | | | | Legal Issues Advice and guidance on dealing with court action by a creditor | 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 |  | 
20th May 2007, 23:08
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#15 (permalink)
| | Platinum Account Customer |  Re: Urgent help needed NOTICE OF SUMMONS RECIVED.
Quote:
Originally Posted by Brickie103  Hi everyone!
This is my first post on here as i usually go to the MSE website chat forum but i thought i would try here now as no-one on there seems to be able to answer my questions. (forgive me if i'm not posting this in the right thread as i cant find a suitable one) | We work completly different to MSe in that each person has their own thread in the relevant forum, and keeps it updated and we offer advice to the posters unique situation. Stops it all getting long and confused. Quote:
I have followed Martin Lewis's step by step precedure to reclaim bank charges with Abbey which total up to approx £2k.
It is from a account i no longer use but it isnt technically closed down yet as i still owe an overdraft of £316.
I am at the stage now where i am waiting for a court date from my local court and it seems to be taking a while. My court told me my case has been passed onto the judge on the 2nd May and that all i have to do now is wait for a date!
| I would chase the court up and see if a date has been set yet- courts are really busy at the moment. Which one is it? Quote:
what has worried me is that i have received a letter from Debt Collection Agency (the second one Abbey have referred my debt to!) and i have informed them by telephone that i wont be paying off the debt until the court case is resolved. Although they have continued to send me a letter threatening court action for this £316 themselves and i have 7 days to pay up, they have completely ignored my phonecall!
i dont know what to do now, do i have to continue to make payments of the debt i owe (Abbey owe a lot more to me than i owe to them!) or have i every right to say what i have said to them?
| No need to pay - you owe Abbey nothing they owe you the money. You are quite right in what you are saying. I would write a short note to the DCA explaining your situation. If they do take court action then don't worry, you will just counterclaim for the whole amount they owe you. Quote:
Does anyone out there have any advice? I dont want bailiffs knocking on my door, and i dont want to incurr any court costs!
Please help!!
Many thanks in advance!
| Baliffs cannot come to you until you have defaulted on a CCJ, which you are a long way from. Don't worry, however much the DCA threaten you. Don't talk to them on the phone, keep everything in writing for your records. You wil lfind lots of similar situations in the debt forum here Quote: |
P.S. Can anyone tell me where on here i can look to get help on how to get my court bundle prepared too? I dont want to lose on a technicality
| Information on the basic court bundle here , but don't worry about that too much until you get your hearing date and directions from the court.
Hope this helps. Could you please start a thread of your own re the abbey charges in here.
Hope this helps. | 
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reg. office:- 923 Finchley Road,
London,
NW11 7PE
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