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

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  1. #1
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    louiseashton Novitiate

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    Question the banks defence is scaring me

    hi all,
    today (8/11) i recieved a court allocation questionaire, it says i have to pay 100 quid to submit it, so i phoned the court and they said i can get a waver because i get tax credits which is good news. i have until 24 november to send it back but i'm a little worried about the defence the bank has sent. They reckon i haven't properly particularised my particulars of claim and say i show no reasonable grounds for submitting the claim. has anyone else had this same kind of thing? i have posted the defence earlier if you have a look and i have posted my particulars. please could someone have a look and tell me if anything needs to be done.

    also at the end of the questionaire there is a space for any information i think will help the judge to manage the claim, anyone ideas of some good things to put in there???

    help apreciated
    __________________

    Similar Threads:
    ~~~~~~~~~~~~~~~~~~
    Royal Bank of Scotland
    ~~~~~~~~~~~~~~~~~~
    Total 2319.95
    *Prelim letter sent 5th august
    *LBA letter sent 21st august
    *Go away letter recieved 22nd august (bit late!!)
    *Claim filed with county court on 15th september
    *Court acknowledgement on 2nd october
    *Defendant acknowledgement with intent to file defence on 3rd october
    *Defence letter recieved 28/10/06
    *goodwill gesture of 1200 recieved 3/11/06
    *AQ posted 21/11/06 deadline 24/11/06

  2. #2
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    8888JIM Novitiate

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    Talking Re: the banks defence is scaring me

    Hi Louise
    standard tactic here , what they are saying is that you have not itemised the charges you are claiming for , probably because there was no way to do this in mcol , what you need to do is fill in the allocation questionaire and attached the spreadsheet with all your charges - it should have the date of the charge ,amount of charge and discription.

    it also probably chuners on about a cpr18 - ignore this -it does not apply to a small claims court - infact write back to them saying this if they mention this
    hope this helps

    regards

    jim


  3. #3
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    louiseashton Novitiate

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    Default Re: the banks defence is scaring me

    hey all
    could do wi some help, at the end of the allocation questionaire there is a space for any information i think will help the judge to manage the claim, anyone ideas of some good things to put in there???
    cheers

    ~~~~~~~~~~~~~~~~~~
    Royal Bank of Scotland
    ~~~~~~~~~~~~~~~~~~
    Total 2319.95
    *Prelim letter sent 5th august
    *LBA letter sent 21st august
    *Go away letter recieved 22nd august (bit late!!)
    *Claim filed with county court on 15th september
    *Court acknowledgement on 2nd october
    *Defendant acknowledgement with intent to file defence on 3rd october
    *Defence letter recieved 28/10/06
    *goodwill gesture of 1200 recieved 3/11/06
    *AQ posted 21/11/06 deadline 24/11/06

  4. #4
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    Default Re: the banks defence is scaring me

    Quote Originally Posted by louiseashton View Post
    hey all
    could do wi some help, at the end of the allocation questionaire there is a space for any information i think will help the judge to manage the claim, anyone ideas of some good things to put in there???
    cheers
    There is a template in the library.


    Consumer Health Forums - where you can discuss any health or relationship matters.

  5. #5
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    louiseashton Novitiate

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    Default Re: the banks defence is scaring me

    sorry gizmo i cant find it can you send me the link please?

    ~~~~~~~~~~~~~~~~~~
    Royal Bank of Scotland
    ~~~~~~~~~~~~~~~~~~
    Total 2319.95
    *Prelim letter sent 5th august
    *LBA letter sent 21st august
    *Go away letter recieved 22nd august (bit late!!)
    *Claim filed with county court on 15th september
    *Court acknowledgement on 2nd october
    *Defendant acknowledgement with intent to file defence on 3rd october
    *Defence letter recieved 28/10/06
    *goodwill gesture of 1200 recieved 3/11/06
    *AQ posted 21/11/06 deadline 24/11/06

  6. #6
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    Default Re: the banks defence is scaring me

    Hello Louise,

    Sounds like you are at the exact same stage as me, I replied using this:

    http://www.consumeractiongroup.co.uk...ompletion.html

    Jonni2bad posted a reply to me in this thread also:

    http://www.consumeractiongroup.co.uk...terrified.html

    Hope this helps..

    Jimbos

    __________________
    HSBC £3829.00 Prelim letter sent 17/7/06
    £1996.00 Offered 9/8/06 .. See you in Court!
    MCOL Filed 15/08/06
    DG response asking for info 8/9/06

    RBOS S.A.R - (Subject Access Request) sent 12/07/06
    Prelim letter sent 29/8/06 £2552 requested!!!


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