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.
Had An Offer From Bank Sent It Back On 15 May Not Heard Anything Since. My Court Date Is 21 June, Do You Think I Will Hear Anything Before, Im Panicing Now Because A Lot Of People Are Losing Thier Claims The Judges Are Just Throwing Them Out According To The Tv And Papers.
What Does Any Body Think
Don't believe everything you read in the papers. Possibly 2 people have lost and those were oddball situations. 10s of THOUSANDS have won - some in court (see http://www.consumeractiongroup.co.uk...truck-out.html)
If your court date is 21 June, my guess is you'll have an offer on 20th - Cobbetts strategy is to go right to the line and waste as much public money as possible. (It's got nothing to do with the fact that they are paid by the hour, of course)
Any opinions are without prejudice & without liability.
Almost everything I know concerning the law I learned from this site
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Have a read of the court cases won in the thread referrenced in my last post. You'll need your copy of everything you sent to the court (your court bundle, statement of evidence, etc) and it may be worth while taking an estimate of your costs - in the unlikely event that you get to go into court and the much more likely event that Natwest don't show up - you might be able toclaim wasted costs there and then. Have a look at Reka's thread in the court cases won thread referrencd above - particularly posts 61, 76 and 93
Steven
If this post is helpful, please click the scales
Any opinions are without prejudice & without liability.
Almost everything I know concerning the law I learned from this site
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
All The Advise Has Been Great, Its Now Come Upto D/day In Court Tomorrow And Im Getting Alittle Scared Now. I Have Got Together All The Copies That I Sent To Court, Is That All I Need To Take With Me
Have you received a court bundle from Cobbetts? If not, that means they haven't sent one in because you have to have it before the court date with enough time to digest it (if it is the usual Cobbetts nonsense that could take weeks, if ever!!)
Any opinions are without prejudice & without liability.
Almost everything I know concerning the law I learned from this site
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
I Have No Court Bundle From Cobbetts, So What Should I Do Now, Do I Need To Do Anything Else Before Tomorrow.
Julie
Julie
You sent in your court bundle because yuo receiveed an order from the court telling you to do so. Cobbetts received the same order which they have obviously not complied with (they never do) - even though they were ORDERED TO BY THE COURT - They will not show up!
THis from reka's thread
My opening will be to respectfully request that the defence be struck out pursuant to CPR 3.4 (2) (c) and (b) as no documents were supplied as stipulated in the court order and the fact they have also failed to atend. If thats granted the i will request wastage costs.
The relevant bit of the CPR is
3.4 (2) The court may strike out a statement of case if it appears to the court – (b) that the statement of case is an abuse of the court’s process or is otherwise likely to obstruct the just disposal of the proceedings; or
(c) that there has been a failure to comply with a rule, practice direction or court order
Estimate your costs - time(suggest at least 30 hours)@£xx/hour, travel to court, time off work, photocopying, postage, phone calls, £10 for S.A.R - (Subject access request) - put them in writing so that the court can have a copy. Take a draft wasted costs order http://www.consumeractiongroup.co.uk...sts-order.html (although leave out point 4).
Steven
If this post is helpful, please click the scales
Any opinions are without prejudice & without liability.
Almost everything I know concerning the law I learned from this site
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
What I am saying is that Cobbetts obviously have not complied with the order from the court to supply a court bundle (if they had complied, then you would have a copy - but you haven't).
There is no way they are going to turn up in court when they have not complied with the court's order - that would be stupid!
So, if you do get to go into court you should have a brief statement to read out based on what reka did -
"I respectfully request that the defence be struck out pursuant to CPR 3.4 (2) (c) and (b) as no documents have been supplied as stipulated in the court order and the fact that Natwest and their solicitors have failed to attend."
If the court grants that request then say
"Further I would repectfully ask the court to grant wasted costs on the grounds that the Defendant has acted unreasonably in defending the claim without any intention of allowing the matter to proceed to trial."
Make sure you have everything you sent to court. Make sure you have a copy of NatWest's T&Cs with you too, if they are not in your court bundle.
Have a read through reka's thread. If you are still worried/puzzled PM me.
Steven
If this post is helpful, please click the scales
Any opinions are without prejudice & without liability.
Almost everything I know concerning the law I learned from this site
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
Natwest's T&Cs for 2002 and 2006 available here (I'm sorry there are no others, but that's all that have been posted on CAG that I can find) I don't know when your account was opened - if it was pre say 2003, take the 2002 ones, otherwise take the 2006 or take both - just don't take none.
But above everything - Don't Panic!
Steven
If this post is helpful, please click the scales
Any opinions are without prejudice & without liability.
Almost everything I know concerning the law I learned from this site
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
All the best for court tomorrow. Don't panic, all will be well
Steven
If this post is helpful, please click the scales
Any opinions are without prejudice & without liability.
Almost everything I know concerning the law I learned from this site
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
PLEASE MAKE SURE YOU RUN HOME FROM COURT AS FAST AS YOUR FEET WILL CARRY YOU SO THAT YOU CAN UPDATE US WITH THE OUTCOME !!!
i am still a novice on here but have read so many similar threads , i will be as nervous as you when its my day but from the other threads i have read and the fact that you have received no bundle from cobblers indicates they are unlikely to show up. It will be you showing them up !!
... and I'm sitting here hitting the 'reload' button every few minutes!
Steven
If this post is helpful, please click the scales
Any opinions are without prejudice & without liability.
Almost everything I know concerning the law I learned from this site
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.
07/05/07 - 6 Years Statements recieved
09/05/07 - PreLim Letter Sent
24/05/07 - LBA Sent
25/05/07 - 1st Response from Natwest recieved
14/06/07 - N1 Filed @ County Court
15/06/07 - Claim Issued by County Court
28/06/07 - Acknowledgement of Service from Cobbetts
13/07/07 - AQ Received
Any opinions are without prejudice & without liability.
Almost everything I know concerning the law I learned from this site
Steven
Using CAG Toolbar will generate much needed income - Download Here
Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial
My Wins
GE Money Won unconditionally May 2007 NatWest Won unconditionally August 2007 BrighthouseWon unconditionally August 2007 GoldfishWon unconditionally April 2008 (including CI on the basis of Sempra) Clydesdale Financial Services (now BPF) Won unconditionally February 2008
Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.
Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.