Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



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)


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  1. #241
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    Default Re: Arrow/Restons claimform - old MBNA debt

    Im paying these people as I am really struggling from a mental capacity today.

    I cant cope with going to court and its starting to affect my ability to concentrate on my job.

    Do I have to pay the full amount in the judgement?


  2. #242
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    Default Re: Arrow/Restons claimform - old MBNA debt

    Yes...and inform the court its been paid ASAP to cancel the hearing.


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  3. #243
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    They got me, they won :
    ( I'm really sorry for the anticlimax after all the effort you all have put in for me guys.

    I've learned an awful lot from this and will keep my monthly contributionicon going indefinitely to this site as I think more and more people should be aware of it.

    Also, I am in the tech business myself, if there is anything I can contributeicon for the forum on this side please let me know.

    Guys urgent question
    - they have now added another 700 in expenses on top of the original WS application form
    - can they do this to me?
    Really need to know asap.


  4. #244
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    Default Re: Arrow/Restons claimform - old MBNA debt

    Added 700 to what...where ? Tomlin Order ?

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  5. #245
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    Default Re: Arrow/Restons claimform - old MBNA debt

    Wonder if they are going to seek judgment anyway, just a stunt these charlatans would pull; have they submitted an amended WS to the court with the extra 700?

    You might have been better to have fought them.

    The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!
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  6. #246
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    Default Re: Arrow/Restons claimform - old MBNA debt

    Taking you for a fool no doubt

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  7. #247
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    Default Re: Arrow/Restons claimform - old MBNA debt

    thanks

    You guys should try and spend as much time understanding the psychological support avenues for people like me on this site, as well as trying to get people to defend their cases.

    Court and legal action is not for everyone, and I simply could not risk a CCJ combined with the stress of probably 1000s more legal costs being claimed on top of what I already owed.

    I just wanted to put this whole episode of my life to bed.

    In terms of the settlement, it was 400 more than the amount stated on the WS.

    They said this was the additional costs incurred during the negotiation period.

    My question is are they allowed to add amounts on top of the noted costs with the original WS and application for Summary Judgement?


  8. #248
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    Default Re: Arrow/Restons claimform - old MBNA debt

    We do fully understand the psychological aspects of dealing with matters as such...and appreciate court is not for everyone and everyone must deal with it in their own way in which they are comfortable and can handle the pressure.

    Until if a claim actually gets to judgement...then the figure can vary in negotiations to settle...but given the the very limited information of how you actually settled then its difficult to advise.

    If you did settle by consent (Tomlin Order) then there would be a cost to drafting the schedule and also a cost to file it with the court (draft would be from a standard template) and the court fee 50 so I would expect 100 tops...not 400 variance.

    I would assume they have recouped their costs for their application for SO/SJ...and possibly requested a refund from the court at the same time...given the permitted time frame to vacate.


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  9. #249
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    Default Re: Arrow/Restons claimform - old MBNA debt

    Court and legal action is not for everyone, and I simply could not risk a CCJ combined with the stress of probably 1000s more legal costs being claimed on top of what I already owed.

    they cant add anything more that whats on the claimformicon

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  10. #250
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    Quote Originally Posted by dx100uk View Post
    Court and legal action is not for everyone, and I simply could not risk a CCJ combined with the stress of probably 1000s more legal costs being claimed on top of what I already owed.

    they cant add anything more that whats on the claimformicon
    Hang on then have they lied to me and taken another 400 quid illegally?


  11. #251
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    Default Re: Arrow/Restons claimform - old MBNA debt

    read 248

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  12. #252
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    Default Re: Arrow/Restons claimform - old MBNA debt

    Thought you guys might be interested in the discontinuation I received, with the breakdown of the sort of costs they claim. I would imagine they just tallied these up after they settled to make sure they were the right amounts.

    Attached Files

  13. #253
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    Default Re: Arrow/Restons claimform - old MBNA debt

    Yes...they have included the application fee for the SO/SJ hearing which obviously never happened (255.00)....claimants can get a refund if they inform the court not less than 7 days pre hearing....as already advised above......as to whether they did or didnt...we will never know.

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  14. #254
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    Default Re: Arrow/Restons claimform - old MBNA debt

    60 for a phonecall!
    34 per email.

    ............

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  15. #255
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    Default Re: Arrow/Restons claimform - old MBNA debt

    I want to publicise this further, what would you suggest?


  16. #256
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    Default Re: Arrow/Restons claimform - old MBNA debt

    the best publicity would have been to have not bent over and to have stood upto them.........
    when restons are fronted out...they usually lose.

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  17. #257
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    Default Re: Arrow/Restons claimform - old MBNA debt

    Quote Originally Posted by dx100uk View Post
    60 for a phonecall!
    34 per email.

    ............
    Tot them all up...very expensive if you answer their calls or email them expecting a response.

    We could do with some help from you

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