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. 24th August 2006 13:24 #1
    silver101 silver101 is offline
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    Default Silver vs Nationwide

    Hi there
    This is my first post but I would like to say thanks first of all to all you guys in here.I have been reading and following the threads in here for a while now.
    Well,I started my procedure back in May actually.Sent off letter demanding the repayment of £1168 i think it was.I got a reply back and had £160 deposited in my bank.Then I got kinda sidetracked I'm afraid by other stuff going on.
    Anyhow,got back on track in July with lbaicon.No response whatsoever.August 8th I put in my form N1 to the court,along with my fee excemption form.Recieved it back on 11th August with a note explaining that they needed Nationwides suffix.After trawling the net for thier suffix I ended up in the CAGicon chatroom where some very helpful guys,after some discussion,concluded that they have no suffix but I could put "mutual society" on the form to keep the court happy.
    Went back to court on 15th,had a very nice receptionist this time (the last one stated that it is not her job to check forms) who went through the forms and even had my excemption form verified while I waited....nice lady
    Recieved notice of issue on 21st August stating....
    Claim issued on 16th August
    Sent by post on 18th August
    Deemed served on 22 August
    Defendant has until Septembet 5th to reply

    My question is....on the notice of issue it has the request for judgement form.How and when do i fill that in???

    Thanks for any replies and thanks to everyone for this great board.

    Silver

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  2. 24th August 2006 13:56 #2
    Bev77 Bev77 is offline
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    Default Re: Silver vs Nationwide

    As far as I know you can only file for judgment if/when they do not pay.

    HTH

    Nationwide - WON

    Lloyds - £4,664.25 + costs
    Data Protection Act Letter sent 29/06/06
    Information received 28/07/06
    Preliminary Letter sent 14/08/06
    Reply Rec'd 19/08/06
    LBA sent 29/08/06
    Filed with MCOL 26/04/07
    Defence filed and AQ disposed with 15/05/07
    AQ from local Court received 21/06/07
    Request for more info received 30/06/07 - Reply sent 02/07/07
    AQ Filed 03/07/07
    Prelim Hearing 17/08/07

    Abbey - £1,611.20 excl 8% + costs
    Data Protection Act Letter sent 18/07/06 - 40 days up 29th August
    Reply Rec'd 26/07/06 - microfiche argument.
    Microfiche letter sent rec del 27/07/06
    Complete transaction list Rec'd 23/09/06
    Prelim letter sent 25/09/06
    LBA sent 20/10/06

    Barclaycard - £758.53 excl 8%
    Data Protection Act Letter sent 22/06/07
    Prelim letter sent 20/03/08
    Reply rec'd 09/04/08 - offering £296
    Rejection & LBA letter sent 18/04/08
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  3. 24th August 2006 15:13 #3
    ladymoonray ladymoonray is offline
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    Default Re: Silver vs Nationwide

    The court forms helpfully don't tell you this, but the request for judgement form is the one you need if they don't put in a defence; then you can apply for summary judgement. Hopefully you won't need it.

    NW will probably acknowledge the claim and say they intend to enter a defenceicon, but on past performance they won't actually do so. It just gives them a bit more time (28 days from the day the claim was issued). After you get the acknowledgement you can start checking your bank account Once the 28 days have passed, if you don't have your refund, then you might need to request judgement - but hopefully not.

    Nationwide: £2443. Settled in full
    Co-operative Bank Visa: £351. Settled in full.
    MBNA Visa: £476. Settled in full.
    AA Account with Capital Bank: £80. Settled in full.
    Capital One Visa: £160. Settled in full.
    Paragon Personal Finance: £120 fees SETTLED ERC claim withdrawn Feb 07.
    Kensington Mortgages: Claim withdrawn Feb 07.
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE