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.

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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.

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  1. 4th September 2006 17:29 #1
    dayglo dayglo is offline
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    Default Dayglo v Natwest Mortgages ***SETTLED IN FULL***

    Just filed a MCOL against Natwesticon Mortgages. I'm reclaiming my ERC
    I've sent previously:

    1) prelim request for repayment
    2) lbaicon

    all returned negatively - so my first claim is for the ERC...

    very nervous!!

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  2. 4th September 2006 18:20 #2
    dayglo dayglo is offline
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    Default Re: Dayglo v Natwest Mortgages

    having just completed my first MCOL - a question struck me, there was nowhere to attach my schedule of charges. if I was doing an offline direct to the court claim I would have attached my spreadsheet printout to the form, you can't do that online, does it matter?

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  3. 4th September 2006 19:09 #3
    zootscoot zootscoot is offline
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    Default Re: Dayglo v Natwest Mortgages

    If its just your ERC you are claiming there's no need for schedule of charges?

    Best of luck

    Zoot

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  4. 5th September 2006 08:59 #4
    dayglo dayglo is offline
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    Default Re: Dayglo v Natwest Mortgages

    you are right of course, but as this was my first MCOL claim, I'll have to attach a schedule of charges for my other bank charges claims at some point and just wondered how you do it online?

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  5. 5th September 2006 10:20 #5
    zootscoot zootscoot is offline
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    Default Re: Dayglo v Natwest Mortgages

    You can't.

    You have to send (via the post)a copy to the bank and the court with a covering letter stating both the account number and the court claim number.

    Hope this helps


    Zoot

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  6. 5th September 2006 13:22 #6
    dayglo dayglo is offline
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    Default Re: Dayglo v Natwest Mortgages

    a'ha - thanks.

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  7. 12th September 2006 13:41 #7
    dayglo dayglo is offline
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    Default Re: Dayglo v Natwest Mortgages

    well there's a thing - I've only gone and won!

    letter of apology from Natwesticon - "sorry you felt you had to take matters to court" and "please accept our offer of settlement in full!!!" "no liability admitted" - yeah right!

    as soon as the cheque clears - donationicon on it's way!

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  8. 12th September 2006 13:45 #8
    paddym paddym is offline
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    Default Re: Dayglo v Natwest Mortgages

    ANOTHER WIN ZOOT ? brilliant news dayglo great result im pleased for you well done ! hope the rest of us have same result !

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  9. 12th September 2006 14:16 #9
    dayglo dayglo is offline
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    Default Re: Dayglo v Natwest Mortgages

    note to mods: can you change the title to ***Won*** or something?

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  10. 12th September 2006 14:36 #10
    lickthewallfatboy lickthewallfatboy is offline
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    Default Re: Dayglo v Natwest Mortgages

    WOW!!
    result-very well done indeed

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  11. 12th September 2006 15:40 #11
    paulpb123 paulpb123 is offline
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    Default Re: Dayglo v Natwest Mortgages

    Well done Dayglo, that's great news! I'm sending a prelim today to Accord mortgages for £9,750. I gues I split the claim? I'll start my own thread on my progress.
    Paul

    MBNA: Paid
     Co-Op: Paid
     Lloyds Tsb:Data Protection Act sent 14th June Still waiting. Started again
     Abbey National: Paid
     Barclaycard:Prelim £1920 14th Sept MCOL 17/10/06 £2346 Court date 13th March Offered £600 and rejected. Then offered £1,600 rejected. Paid in full £2,705.02.
    Capital One: Paid
    Cahoot: Paid
    Accord Mortgages: Prelim £9,750 LBA 6/10/06
    MCOL 21/10/06 £10, 520.65 Withdrawn and waiting for better times
    Mother in law Nat West: Paid
    Wife's Nat West MCOL issued 26/03/07

    Rise, like lions after slumber
    In unvanquishable number!
    Shake your chains to earth like dew
    Which in sleep had fallen on you:
    Ye are many - they are few!

    (P. B. Shelley, 'The Masque of Anarchy', 1819)

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  12. 12th September 2006 16:50 #12
    Bonus77 Bonus77 is offline
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    Default Re: Dayglo v Natwest Mortgages

    Well done mate. My prelim for kensington went a few days back, still no reply but i imagine they will fight to the death. It will be worth it though.



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  13. 12th September 2006 16:55 #13
    zootscoot zootscoot is offline
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    Default Re: Dayglo v Natwest Mortgages

    CONGRATULATIONS!!!!!!!

    Wow that was quick!

    From what I've read about Natwesticon with the bank charges they drag things right through defence and allocation questionnaireicon stage. Its great to watch them cave in so quick.


    Well done!

    Enjoy your winnings

    Zoot

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  14. 12th September 2006 17:04 #14
    dolly dolly is offline
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    Default Re: Dayglo v Natwest Mortgages

    That is fantastic news - delighted for you

    Things are looking good on the ERC front.

    (Will also ask a mod to amend title)


    Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

    ** Nationwide - £1821.15-PAID IN FULL - Aug 06 **
    ** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **
    Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....






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  15. 12th September 2006 21:50 #15
    dayglo dayglo is offline
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    Default Re: Dayglo v Natwest Mortgages

    the really funny thing about this is the tone of the letter...

    it says "please urgently send your acceptance as Natwesticon have only 14 days to respond to court!" - yeah I know, I'm suing you remember?

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  16. 12th September 2006 22:22 #16
    gizmo111 gizmo111 is offline
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    Default Re: Dayglo v Natwest Mortgages

    Quote Originally Posted by dayglo
    the really funny thing about this is the tone of the letter...

    it says "please urgently send your acceptance as Natwesticon have only 14 days to respond to court!" - yeah I know, I'm suing you remember?
    Fantastic - thats three in a fortnight.


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  17. 12th September 2006 23:24 #17
    zootscoot zootscoot is offline
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    Default Re: Dayglo v Natwest Mortgages

    Three?

    No doubt they'll be picking up in rate very soon judging by the flood of claims. It will be like watching dominoes fall. lol

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  18. 12th September 2006 23:26 #18
    gizmo111 gizmo111 is offline
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    Default Re: Dayglo v Natwest Mortgages

    Quote Originally Posted by zootscoot
    Three?

    No doubt they'll be picking up in rate very soon judging by the flood of claims. It will be like watching dominoes fall. lol
    Is it not 3 successe from here - yourself, dashgnail and now dayglo


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  19. 12th September 2006 23:31 #19
    zootscoot zootscoot is offline
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    Default Re: Dayglo v Natwest Mortgages

    Unfortunately not a dramatic turn in events for Dahngail

    http://www.consumeractiongroup.co.uk...fees-were.html

    I'm sure they will be grateful for any support at the moment. I'm sure it will work out for them in the end.

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  20. 12th September 2006 23:39 #20
    jonni2bad jonni2bad is offline
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    Default Re: Dayglo v Natwest Mortgages

    Congratulations dayglo.

    Would you mind letting us know the timescales involved with your ERC? How long were into the mortgageicon / from the end of the ERC period?

    Did they have a sliding scale in place?

    ..

    .

    Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.


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