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Wissa

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  1. Does anyone know if my letter from the post above is any good?
  2. I'm no expert but my initial claim was similar to yours and on the 28th day they defended it stating 'Our client is embarrased by the lack of particulars in your claim...' I would imagine that you will receive a similar letter and you will have to submit a much more detailed claim (my second attempt was 4 pages of A4 paper!). You can find a copy on one of my threads (search for 'Wissa'). Don't worry, I've messed up several times and each one has cost me a further 28 days without my money but you always get a second chance. Keep asking for advice on this site and keep reading as much as you can from other peoples threads. If you don't make mistakes you will get your money quicker!!! Good luck
  3. I failed on the MCOL (my own fault!) and had to pay more money to re-submit my claim correctly. On the 28th day they entered a defence and I had to submit an allocation questionnnaire (AQ). After a further 28 days I received an offer for half my money which I accepted as part payment ONLY and I'm now waiting for the rest. I started my claim in June and it's STILL going on so be patient but also BE SMART and READ as much as you can at every stage! All the help and info you need is on this site and it's best to check EVERY SINGLE CORRESPONDANCE here first before sending anything off. Good luck!
  4. Hi all, This is a new thread as I don't know how to continue on my existing thread. At the end of August I received a letter from Cobbetts offering me £2100 of my £4000 claim. It gave me 7 days to respond but I was away on holiday and the time had expired when I returned to find the letter. I have today received the letter again, giving me a further 7 days. The difficulty I have is that this claim has been going on since June and the 28 days that I initially gave them has long since passed. I have found the letter template to decline the offer but the ending isn't appropriate as I can't say 'My letter before action sent previously indicates that you have until 23/07/06 to respond before Court action commences. You are reminded that there will be no extension to this timescale' so what date is reasonable to put on the end? This is what I have prepared, is it acceptable? Response to settlement offer. Dear Sir, Thank you for your letter dated 05/10/06. I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £4000.00 I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary. You have until 20/10/06 to respond before Court action commences. You are reminded that there will be no extension to this timescale. I trust this clarifies my position.
  5. Hi everyone! Well, I feel like I'm waiting for my cheque to arrive any day now but so far nothing has turned up. I've had an offer for half of my money which I've refused and I have a letter from Exeter court saying the case has been stayed until 21st Sept (Tomorrow). I've just rung the court to find out what that means and they say the case is on hold indefinately and nothing will happen until either party starts the ball rolling again. Therefore, if I keep waiting nothing will happen!? Does anyone know how to apply pressure to get my money? Any help greatly appreciated.
  6. I was away on holiday and missed the 7 day deadline to accept the offer of half my money back. I know not to take it anyway but what should I do now? It's too late to accept or decline it so should I just sit and wait? The court date is 21st Sept and I'm confident I won't be the first case to make it to court, especially as the OFT are now investigating the way banks operate their 'fees'.
  7. Anyone know whether I need to contact Cobbetts to decline their 'un' generous offer? Should I just sit and wait?
  8. They originally defended the claim from moneyclaim because I cocked it up. I have now re-submitted a 4 page claim that covers every angle and filled in an allocation questionaire for the courts. We have a court date of 21st Sept so I'm expecting them to fold before then.
  9. Hi. You will get your money but it's not easy and you need to READ and READ and READ the info available on here. I made some stupid mistakes which cost me more money and months of extra work. In my case they 'laughed' at my initial letter, didn't care about the letter before action and then entered a defence on day 28 on the grounds that I'd not submitted the claim correctly. At this stage I started taking it much more seriously and checked on this website every step of the way to make sure I was not making any more mistakes. I have just been offered half of my money back as 'goodwill!' but it won't be long now before they are forced to give me the lot. They certainly know what they are doing and I strongly advise you to make sure that you do too!!!! Don't expect them to say "ok, it's a fair cop, here's your cash". One other point, be careful if you're claiming over £5k as this is too large an amount to be dealt with as a small claim. I'd ask for more advice on that if I were you. Good luck!
  10. Hello all. I'm now in what I hope are the final stages of claiming my £3900 back. I have returned from holiday to a letter from Cobbetts offering £2100 as full and final settlement. Obviously I'm not interested in having half of what they owe me....I want it all! Do I have to respond to their letter? The offer is valid for 7 days and this had already passed before I even saw it. Do I just sit tight and wait for the full amount? If anyone knows I would be most grateful. Many thanks.
  11. Thanks for your support, it really does spur you on when people in the same boat are achieving their aim. Did you actually go into Exeter Crown Court, and if so which department do i need?
  12. The next 2 questions are:- Level of judge Parties to be served The level of judge I have no idea about, but I would pressume that Parties to be served are Nat West?
  13. I have dowloaded the N244 form, thanks to the help of Northampton County Courts, I don't understand it and would appreciate any help in filling it in. The first section reads :- You should provide this information for listing the application 1. How do you wish to have your application dealt with a)at a hearing? b)at a telephone conference? c) without a hearing? There are tick box's by the side of each question. My instinct is to tick at a hearing?
  14. Thank you, I am hanging on the telephone as we speak to Exeter courts who unfortunatley are not answering their phone. thread #29 from haydn gives me a very comprehensive letter format to use, is this any good in place of the N244?
  15. Hi All. I cocked up my claim and I am now having to re-submit everything all over again. Does anyone know if I can add the most recent charges that have been levied on my account to the existing (defended) claim or do I have to get my money back for this claim first and then start over for the latest set of unlawful charges? Any advice is much appreciated, thanks.
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