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)


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  1. 1st October 2006 21:38 #1
    amelia amelia is offline
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    Exclamation I'm So Scared!!!***WON***

    hi there,
    I am going to put my SARS letter in the post tomorrow however I'm so scared, did anyone else feel the same way and what if I have to go to court I dont think I would be able to pull it off because I have never been to court never mind fight a case

    I have read quite alot of your posts so thats making me feel a little bit better!!! hope you guys will keep me right when things get harder though cos not usually very good under pressure lol

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  2. 1st October 2006 21:44 #2
    NATTIE
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    Default Re: I'm So Scared!!!

    amelia- don;t be scared but be happy that you are here and that you are on a winning site. Please read the FAQ's and then follow the guide. You'll be fine. Welcome to the CAGicon and Good Luck

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  3. 1st October 2006 21:55 #3
    amelia amelia is offline
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    Default Re: I'm So Scared!!!

    Thankyou so much!!!
    I have been on the site for a week looking at the posts and reading FAQs however there are still a few things that I will probs need help like the interesticon and so on but thats a while off yet so I will keep reading up and by then I will hopefully be much more clued up!!!

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  4. 1st October 2006 22:04 #4
    NATTIE
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    Default Re: I'm So Scared!!!

    And then you will win. Be positive and ask any questions you like and people on here will help you win and keep your spirits up when you may be tearing your hair out.

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  5. 2nd October 2006 11:17 #5
    Allyxia Allyxia is offline
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    Default Re: I'm So Scared!!!

    I felt the same as you esp when I got to the court submission stage, but I would bouyed along with a settlement in full without that hassle from another bank, it gave me the push I needed. I have 3 days left until my bank have to respond to my claim (getting scared again) but there are people on here that can hold your hand each step of the way

    Allyxia
    KEEP FIGHTING FOR YOUR MONEY - EVEN WHEN IT GETS TOUGH
    The Banks are somewhere which lends you an umberella when it is sunny, and takes it away when it rains

    HSBC £1200 - Settled in Full
    Cap 1 2 X £100 - Settled in Full
    Nationwide £1641 - Settled in Full inc Default and CCJ Removed by Court Order
    NatWest £2215.60- Settled in Full and Removed Default Natice
    Woolwich £3690 - Settled in Full
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  6. 2nd October 2006 12:50 #6
    TeriWebster23 TeriWebster23 is offline
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    Default Re: I'm So Scared!!!

    Hello

    I am submitting my SARicon today and im feeling a little scared. Just keep postive, we have nothing to lose. Looking through the site the advice and help is amazing. People are claiming their money back and so should we.

    Good Luck!

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  7. 2nd October 2006 17:33 #7
    amelia amelia is offline
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    Default Re: I'm So Scared!!!

    you are right terri and I have sent my SARS letter special delivery to edinburgh today so we will see how it goes!! I will follow your thread as well because we will probs be at same point all the way!!

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  8. 2nd October 2006 23:03 #8
    polar_b polar_b is offline
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    Default Re: I'm So Scared!!!

    Hello Amelia, you really have nothing to worry about. I too was scared of taking the first step but then after reading all the FAQs it dawned on me that at the very worst I would lose my court fee. I thought maybe I would have to go to court, end up with a huge claim for legal fees etc. - all completely wrong of course.

    Instead I ended up spending perhaps 10-15 hours on my Natwesticon claim, which was succesful in the end. The letter writing does take some time but then on the other hand you have got plenty of time to do it. It's not like you have to defend yourself in court with a big bad judge looking down on you - instead you can reply to letters in your own time and I found the whole process fairly easy. It just takes a bit of determination!

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  9. 3rd October 2006 18:34 #9
    amelia amelia is offline
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    Default Re: I'm So Scared!!!

    Thankyou polar for making me feel a load better I think I am nervous but excited at the same time if that makes any sense!!! I will just have to stay calm and relaxed and if anything I dont understand pops through my door I will just have to come on here and rant and rave on to you guys if thats ok

    SARS letter sent 02/10/06
    Statements received 14/10/06
    LBA letter sent 05/01/07
    reply received 13/01/07
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  10. 4th October 2006 10:22 #10
    amelia amelia is offline
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    Angry Re: I'm So Scared!!!

    Not happy sent SARS letter on monday and received a letter from Natwesticon this morning telling me They are happy to send my complete list of statements however I must include a fee for £5.00 however in my SARS letter I authorised natwest to deduct the maximum fee of £10.00 from my account!! I have read posts where ppl have just authorised natwest to take the money straight from their accs, do yous think that they are messing around or should they of just taken the money if I had authorised them to do so?

    SARS letter sent 02/10/06
    Statements received 14/10/06
    LBA letter sent 05/01/07
    reply received 13/01/07
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  11. 4th October 2006 10:50 #11
    Godders Godders is offline
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    Default Re: I'm So Scared!!!

    Who's the letter from?

    I did exactly the same as you and they deducted £5 from my account without question.

    I'd give Alex Lyons or Joyce Tudor a call:

    0131 626 1152

    I found them both quite pleasant and reasonable to deal with.

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  12. 5th October 2006 22:23 #12
    amelia amelia is offline
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    Default Re: I'm So Scared!!!

    It was Joyce tudor who the sent the letter, so I was going to phone her however i just sent another letter regarding what the cheque was for and I sent it recorded delivery so hopefully she should of received it this morning, so now its just the waiting game however if my statements come as quick as natwests request for my £5.00 cheque I will be impressed!!! Right going to check on the royalmail website to see if my letter has been signed for!!

    SARS letter sent 02/10/06
    Statements received 14/10/06
    LBA letter sent 05/01/07
    reply received 13/01/07
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  13. 14th October 2006 12:33 #13
    amelia amelia is offline
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    Default Re: the ball is starting to roll!!

    Received statements to day so going to do the long hard task of working out how much they owe me and trying to break the charges down so I dont include the advantage gold service charge. wish me luck!!

    SARS letter sent 02/10/06
    Statements received 14/10/06
    LBA letter sent 05/01/07
    reply received 13/01/07
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  14. 14th October 2006 12:52 #14
    Bookworm Bookworm is offline
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    Default Re: I'm So Scared!!!

    Ah yes.

    I had that problem with my friend's claim, I had to redo it about 3 times, so be extra careful with that.

    Do you still have that Advantage Gold? Because there's an easy way to save yourself £12 a month for starters... Or are you THE only person who actually benefits from it?

    One letter, one stamp, £12 a month saved. Now THAT's value for money. ;-)

    Apologies to people who I was in the process of helping, I may be gone some time.
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  15. 14th October 2006 13:09 #15
    amelia amelia is offline
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    Default Re: I'm So Scared!!!

    cancelled it bookworm last month however I have had it from 2004 and never benefited from it once, must of been mad to agree to it in the first place!!!

    SARS letter sent 02/10/06
    Statements received 14/10/06
    LBA letter sent 05/01/07
    reply received 13/01/07
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  16. 14th October 2006 13:10 #16
    Bookworm Bookworm is offline
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    Default Re: I'm So Scared!!!

    Good girl already ;-)

    Apologies to people who I was in the process of helping, I may be gone some time.
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  17. 14th October 2006 14:59 #17
    kensiko6 kensiko6 is offline
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    Default Re: I'm So Scared!!!

    just to let you know i started my claim on the 18th september and had my claim settled today with the Natwesticon bank £292 going to my account on monday! no strings attached, get in!!!!!

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  18. 14th October 2006 15:53 #18
    amelia amelia is offline
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    Default Re: I'm So Scared!!!

    Fantastic Ken!! Good On You Really Pleased 4 U!! Hope Its Not That Long Away For Me To Be Celebrating.

    SARS letter sent 02/10/06
    Statements received 14/10/06
    LBA letter sent 05/01/07
    reply received 13/01/07
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  19. 14th October 2006 15:56 #19
    amelia amelia is offline
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    Default Re: I'm So Scared!!!

    Right Guys Need Some Help!! On The Advanced Excel Spread Sheet I Have Looked Over And Over At The Notes But Still Not Sure What To Put In Colom J Its Driving Me Mad!! Do I Put What My Acc Balance Is Cos Dont Understand What It Means For Facility. Can Somebody Please Help! Cheers....

    SARS letter sent 02/10/06
    Statements received 14/10/06
    LBA letter sent 05/01/07
    reply received 13/01/07
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  20. 15th October 2006 19:22 #20
    amelia amelia is offline
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    Default Re: I'm So Scared!!!

    am sick of this already man I cant do it!! right I have done my spreadsheet and the total charges are £2259.00 however the interest only comes to £26.81. can I not use the balance on my acc when I went over my overdrafticon cos when the interest was took from my acc i wasnt over it. I have been charged every month a interest fee however if I am not over my o/d limit the time the interest is taken thespread sheet doesnt let me claim it back!! please somebody help me cos need to get this spreedsheet sent with my letter to bank!!!

    SARS letter sent 02/10/06
    Statements received 14/10/06
    LBA letter sent 05/01/07
    reply received 13/01/07
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