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Well I have finally taken the plunge and submitted MCOL for £15,191 .75 Claim no 6Q274666 for the files. Zoot i am sure i will be needing your help as things progress!! Good luck to all looking for ward to a good battle.
I am, but very hopeful to stay within the fast track, it is the court fees that tipped it over the 15k. I have seen a list of requests you have suggested to put to the court to remain within in a certain track, could you post thsose for me.
Hi there,
I would also be interested in seeing that post Zoot... my claim is for £5,300 but will reduce it to £5k if it's at all detrimental to my finances and my sanity!!!
Barclays Bank
13/9/06 - ACCEPTED HALF ON BOTH A/Cs HSBC
21/10/06 - SETTLED IN FULL Preferred Mortgages
11/8/06 - prelim let sent - redemption fee
12/07 - case dropped Halifax B/S
2/07 settled in full Halifax visa card
MCOL due Citicards & Hillesden
2/07 Data Protection Act & CCA let sent
3/07 Prelim let sent
4/07 LBA sent Barclaycard
04/07 offer received for 1/3 - refused Argos Card services
Half offered - refused
An update CHL's solicitors have acknowledged, and have asked for an extention of 28 days to file their defence. The reason they give is that CHL would like to meet with me to see whether this issue can be resolved amicably. The say it would be preferable fo matters to be settled without the need for either party to incur the costs of or dedicate time to continued court proceedings.
Sounds as if they know they are running scared and want to pay me off quietly!! Well lets hope so. Any advice as to my next move and what not say should I agree to the meeting?:o
I'm not too sure of the legalities of it all but I can't really see how a meeting would hurt. Maybe agree to the meeting but strees that you will only settle for the full amount owing.
Halifax 1
WON - £1,355.49 21/07/06
MINT
WON - £273.81 14/09/06
First Direct
WON - £913.50 01/09/06
Capital One
WON - £130.13 03/11/06
Halifax 2
WON - £188.03 01/12/06
Kensington Mortgages ERC
MCOL for £6,204.39 Discontinued
Halifax Mortgage Admin fee
WON - £10.00
Direct Line Mortgage Redemption Fee
WON - £99.00
Halifax 3
MCOL for £109.01 reg 07/03/07
Only my personal view, but if I was going to meet them, I would want proper legal representation with me to ensure I wasnt intimidated or accidently agree to something I'd rather not have agreed to.
Cant see why anything they have to say cannot be put in writing and sent to you, that way both parties will have an undisputible record of what negotiations have taken place should the case end up in court etc.
All advice is offered in good faith based on my own research and understanding of the laws involved, however I'm not a lawyer!
Please dont rely on annoymous advice posted on a public forum without checking it out for yourself first!
exactly-this was attempted with me by the Northern Bank,but I wrote to them stipulating very exacting conditions for the meeting.....it never happened.I was being set up for an ambush,but they didn't get away with it
Certainly stipulate conditions for example,
the meeting is recorded on audio (and also written if possible) and a copy retained by both parties.
If you are not taking a legal rep then no legally qualified person to be present representing Citi.
Perhaps use of a mediation or abritration service to conduct meeting?
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....
Many thanks all for your advice I will ponder on it over the weekend, and consider bringing along a legal representative. Dolly i live in Windsor, but the meeting will be in Fleet (Hants). I will post my thoughts later.
Zootscoot that would be fantastic, I'd happily pay your expenses for the day. I have'nt agreed a date or time so will work around your availability.What days and time would suit you best?
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....
Fantastic "news", Zoot you really are a complete start to offer that support to a virtual stranger, we are all very grateful to you!
Sam
I'm a Foolish person
IGroup ERC £1928.64 Ist letter sent 12/9
LBA sent 26/9
Moneyclaim input 13/10
Claim acknowledged 6/11
Received fob off letter 11/11
AQs sent back, IGroup request multitrack and hearing
-------------------------------------------------------------- HSBC
Settled in FULL on 8/8/06 - £3619.53 CAPITAL ONE
Settled in Full on 6/9/06 - £84.76 ABBEY NATIONAL (Old N&P Mortgage) Settled In Full on 2/3/07 - £307.13 SPML *Court Case Withdrawn - family illness* MORTGAGES PLC *Court Case Withdrawn - family illness*
Tillers V CHL MCOL for £15,191.75 * Finished*
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