Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE



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  1. #1
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    Calligula77 Novitiate

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    Red face Help! I seem to have taken on a Bank!!

    Help, I have to admit I'm a little scared right now, any calming words of re assurance would be good from anyone who's gone through this. The A&L are defending my claim for charges (£700 incl costs!)and have sent their defence through to me, it's completely un intelligable legalise. I'm worried I've started something that I shouldn't have. I guess that's their plan, but being an ordinary Joe it's a little scarey. I've not even had a parking ticketicon before and now I'm getting a document that starts ''Save insofar as the same consists of admissions and save insofer...etc etc'' Their defence seems to be and I quote ''The charges are administrative fees ....'' I thought that's exactly what we are all fighting against. The fact that £34 for a bounced cheque can't possibly be all adminicon costs. I havn't a clue what will happen to me next. Any advice or support would be great please.

    Despite the scare tatics I do intend to see it through to the absolute bitter end. Wish me luck.

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  2. #2
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    jansus Highly informative jansus Highly informative jansus Highly informative jansus Highly informative jansus Highly informative jansus Highly informative jansus's Avatar

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    Default Re: Help! I seem to have taken on a Bank!!

    first of all read through the threads on A&L forum , FAQ and step by step instructions. The defence is usually about 6 pages long and 23 points.

    They are taking us all to the wire at the moment and only settling at the last moment so be prepared for a fight.

    Read as much as you can and then come back and ask questions.

    Jan

    Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus
    [IMG]http://www.consumeractiongroup.c o.uk/forum/images/icons/icon1.gif
    offer from A&L 24/8/07 - after case stayed

    "What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery


    PROUD TO BE AN ORANGE

  3. #3
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    Default Re: Help! I seem to have taken on a Bank!!

    Hi and welcome to the forum Calligula 77.
    Basically they are saying these charges are now fees.


  4. #4
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    Default Re: Help! I seem to have taken on a Bank!!

    Hi there Calligula

    welcome to the forum.

    don't be worried/unsettled by the Defence.

    I know the feeling when it drops through the letterbox in that large brown envelope, and you open it and think Oh My God, What have i done ?

    We all receive a similar Defence document.
    (although they are beginning to tweak them a little)

    Go to my Thread

    here is WRAGGES 6 PAGE DEFENCE

    and have a look through that,
    it will settle your nerves, and make you realise we all receive similar stuff.

    My reason for typing mine in,
    was because I felt like you - the day I received the Defence
    very worried, and quite sick
    and I thought if I typed my Defence into the Forum,
    we could all compare notes and pool our resources
    and settle one anothers nerves !

    Don't worry.
    Everything will be fine
    We're all here to help, advise, and jolly you along !

    alice x


  5. #5
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    Default Re: Help! I seem to have taken on a Bank!!

    hi calligula,
    me again

    if you claimed via mcol (on line)
    you will receive a Notice from Northampton Court,
    advising that they have issued your claim and the date it was served.

    It will then be transferred from Northampton to your Local Court.
    You will receive notice from Northampton Court of the date is was transferred.

    You will then receive a Notice from your Local Court,
    advising of the Court Date
    and any information that the Court will require.

    At the moment Northampton county courticon, is requesting that Allocation Questionnaires be dispensed with.

    It is however, up to the Judge at your Local County Court
    whether this is dispensed with - and entirely his decision.

    The Local Court will advise you in due course, exactly which documents they require from you.

    Good Luck
    and any questions, or problems,
    just keep asking

    alice x



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