I am in the process of claiming back approx £5,500 for HSBC inc fees. I returned my allocation questionaire to my local county court about 1 month ago and yesterday called them to see what was going on. They told me the case had been referred to the judge and I would hear something within 5 days.

This morning I received a letter (which I have not yet seen, mum opened it on the phone) stating that I need to provide more concise information relating to the claim and referring to CPR 16.4 (1)!!!!! I have no idea what this means and am completely lost.

I am also a little worried that I read on another site one lady lost £2000 off her claim for not doing this correctly. I know this is a hasty post seeing as I havent read the letter myself but I am just a bit worried as the letter says I need to return this information by the 18th May or my case will be thrown out!

Any information is greatly appreciated, Thanks very much

Contents of the particulars of claim

16.4

(1)Particulars of claim must include –

(a)a concise statement of the facts on which the claimant relies;

(b)if the claimant is seeking interest, a statement to that effect and the details set out in paragraph (2);

©if the claimant is seeking aggravated damages or exemplary damages , a statement to that effect and his grounds for claiming them;

(d)if the claimant is seeking provisional damages, a statement to that effect and his grounds for claiming them; and

(e)such other matters as may be set out in a practice direction.

This is what is reffered to. As for what you have done wrong with your particulars of claim, you should send a PM (private message) to a moderator and they will help with details. Don't panic yet. Loads of time to sort it out before the 18th.

Hi, just did a search on the 16.4 (1) and this is what I found:-

16.4 (1)Particulars of claim must include –

(a)a concise statement of the facts on which the claimant relies;

(b)if the claimant is seeking interest, a statement to that effect and the details set out in paragraph (2);

©if the claimant is seeking aggravated damages (GL) or exemplary damages (GL) , a statement to that effect and his grounds for claiming them;

(d)if the claimant is seeking provisional damages, a statement to that effect and his grounds for claiming them; and

(e)such other matters as may be set out in a practice direction.

I hope that this helps.

Hi yeah that does help a little tahnsk but in terms of what I actually need to prepare I am stuck. I have follwed the money saving expert sites advice step by step so why has nobody else received this? Surely I have provided all this information already no?

Like I said, send a private message to a moderator together with your POC's and let them have a look and tell you whats missing or wrong!

Unfortunately I don't know much about the Money Saving Expert site so I don't know what you have been advised to do. If you post your POC on here then someone could have a look and see what is actually missing.

Or you can PM a moderator like freaky says.

We have seen this a few times with the MSE particulars and schedule of claim, they are not as detailed as the CAG documents and obviously some of the District Judges don’t think its detailed enough.

Download the CAG templates from the library and compare them with what you have submitted and see if this answers your question.

pete

Ok I am getting there (slowly). Yeah the letter basically says I need to 'set out a concise statement of the facts. (Stylised particulars do not constitute compliance)'

I remember when filling in the MCO claim form in the particulars of claim section I could not fir in all the text it was advised from the money saving expert website. I removed the bit I perceived to be of least importance so I could get the majority of the text on there. This I feel may be my donwfall although I could see no other option at the time. Here is what I put

Ah ha, Castlebest you're a legend! How just found the POC template in the library and it is a lot more in depth than what I was advised to put by the money saving expert website. Also I need to send a letter outlining the charges to the court in question.

Guess i'll get that together and send it off and hopefully that'll keep the judge happy. Thanks for the help guys i'll be back to update when I hear more from the court. kepp up the good work

No problems Jung, good luck

pete

We have seen this a few times with the MSE particulars and schedule of claim, they are not as detailed as the CAG documents and obviously some of the District Judges don’t think its detailed enough.

 

Download the CAG templates from the library and compare them with what you have submitted and see if this answers your question.

 

pete

Castlebest. You are very anti Money Saver for some reason. Surly all sites that help people less knowledgeable than the ‘Legend’ is a good thing?

Div MSE have it wrong in some areas and we clean up the mess.

Im not anti MSE they have done a good publicity job but I wish they would use CAG documentation which is right instead of publishing documentation that the district judges throw out.

How many people have used MSE documentation, not forund the CAG website and had their claims struck out? whats the point of making people aware if you cant make them win too?

Thats one reason the banks wont change because misinformed people loose and the banks win.

pete

I wish Martin would use a name we can recognise when he comes callin and stop this silly "who is best" competition.

We are all trying to do the same thing, get our money back, I dont give a damn about MSE or BBC or even CAG.

Just do the job you say you can do and listen to people who know the facts like I do.

CAG members win

pete

OK Castlebest, I get your point and I bow down to your superior knowledge as a Barrack Room Lawyer.

Please don’t Barrack me into submission though and have your friends tell me to crawl back to where I came from because I made a comment or two, one very tongue-in-cheek.

Chill out Pete, take a pill and have a massage! You must spend a lot of time making posts and it probably helps many people but don’t let your funny-bone become dislocated.

Keep up the good work that you do – it's therapy for you.

Div

Ah ha, Castlebest you're a legend!

I am new to CAG and I thought that "Legend" was another name for Castlebest Pete.

I did not mean to cause offence or exepect to be so heavily beaten into submisson.

Submissive Slave Div

Well all you have done is report posts since you registered, seems to me like you have an agenda?

Pete's right - unfortunately we see time and time and time again, claimants who have used the MSE templates initially, then come over here for advise after the court have threatened to strike out their claim.

MSE is useful for other things and its done a good job of publisising the whole issue, but the advice regarding bank charges is flaky to say the least. For instance, they tell you that you should request 8% interest from the very first letter, which is completely wrong.

Anyhow, yes, you need to substitute your POC for a fuller more adequate version. Your POC needs to concisely set out the facts of your claim and disclose its basis in law. Many people would actually argue that MCOL is not suitable at all for these types of claims, although we don't generally have a problem when our template is used and a schedule of charges are sent by post at the same time.

Use the N1 POC, rather than the MCOL one -

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

And make sure you attach a schedule of charges.

I take it this is Hitchen county court, or St Albans?

Well all you have done is report posts since you registered, seems to me like you have an agenda?

Thank you Mr Moderator for your support.

The responses I have received since joining CAG have been very informative.

There is some excellent advice to be obtained of a better quality than many other such sites.

I do not have an “Agenda”.

I do not work for the US based ‘Davison of Internet Violation’

Not to cause any paranoia to CAG members, and at least one Moderator, I will not be making any further posts and I will delete my membership immediately.

Div.

Thank you Mr Moderator for your support.

 

The responses I have received since joining CAG have been very informative.

 

There is some excellent advice to be obtained of a better quality than many other such sites.

 

I do not have an “Agenda”.

 

I do not work for the US based ‘Davison of Internet Violation’

 

Not to cause any paranoia to CAG members, and at least one Moderator, I will not be making any further posts and I will delete my membership immediately.

 

Div.

This is of course you choice, you are more than welcome to use this site and we will aid you to the best of our ability. You were corrected on refrences you made regarding the "hostility" towards MSE on this site. Gary has pointed out that the process used by MSE has flaws thats all. We (this site) spend a great deal of time rectifying these flaws and reassuring users who have had their claims threatened to be struck out because they used MSE's guide.

Sorry Div but they guys are right. I wouldn't have described it as hostility to MSE but they did leave me a little high and dry and in danger of being struck out.

CAG do go that extra bit to make sure everything is as it should be and I will definately be using this site from now on. The advice I have received has been bang on target and at the end of the day if these people weren't doing such a good job I would be paying a solicitor to help me out right now.

Keep up the good work guys

Ad

precisely & if there weren't people like pete on here willing to help others along I'm sure many would have given up. Its all about help & encouragement & there are many on here who have had their claims settled yet are happy to stick around to give advice. so a BIG thank you to all of you.

Only my first claim so far One down ten to go

And Jung, apologies for hijacking yout thread for a while there.

pete

I do not work for the US based ‘Davison of Internet Violation’

Ahhh, Div, so much abuse ready for you but im too late !!

Im sure you're having much more fun now, doing your homework and generally wasting your life on MSN.

Anyway ..... I also started out with MoneySavingExpert, and its true, without CAG i would have got bored/scared and given up. A friend of mine got his letter templates from the BBC website (Plummer) but due to a lack of support & legal knowledge he gave up when challenged.

Good luck with your fight against 'the man' Junglist. Just make sure you post any developments here asap, the sooner you get that £5k the sooner you can buy my TV !

i'll be back to update when I hear more from the court.

So, Have you heard anything ?