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the banks defence is scaring me


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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

__________________

~~~~~~~~~~~~~~~~~~

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

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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

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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

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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.

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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

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Hello Louise,

 

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

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

 

Jonni2bad posted a reply to me in this thread also:

 

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/45883-rbos-defence-received-terrified.html

 

Hope this helps..

 

Jimbos :)

__________________

HSBC £3829.00 Prelim letter sent 17/7/06 :wink:

£1996.00 Offered 9/8/06 :rolleyes: .. 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 :cool:

Prelim letter sent 29/8/06 £2552 requested!!!

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