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. #21
    Site Team The Consumer Action Group BankFodder's Avatar



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    Default Re: Enforcing an FOS's Final Decision at County Court using Form N332A

    I'm sure you are right that they are prepared to accept email correspondence, but I'm equally sure that they will want some kind of UK residential address.

    As I have already said, the county courts aren't used to doing things "differently" and I would say that if you gave a Danish residential address, this will send them all into a flurry of confusion.

    No wonder that Abshire-Smith Global Ltd seem to be so unfazed by you. Frankly I think that you are playing into their hands.

    Find a way of using a UK residential address.


  2. #22

    Default Re: Enforcing an FOS's Final Decision at County Court using Form N332A

    Have you bothered to read the link I provided in post # 5 ?

    https://www.lawgazette.co.uk/practic...041981.article

    Also you are using the wrong form.....use N322B....not N322A

    You can make payment by telephone.

    You are not making a money claim...simply making application to enforce the Order using a Part 8 CPR process.

    It should be the case that a litigant in person can go to the court and make a part 8 CPR Claim, accompanied by Form N322A (with evidence of course) and the court should then (without a hearing) order that the money award be recovered by execution issued from the court as if it were payable under an order of that court.

    Also is there a particular reason for using the above court......It has a shocking reputation for not responding and making errors.


  3. #23

    Default Re: Enforcing an FOS's Final Decision at County Court using Form N332A

    Thanks for all the info and useful lawgazette link.

    I believe the Central London county courticon is the court closest to Abshire-Smith Global Head Office at 26 York Street, London, W1U 6PZ. According to fosicon factsheet: "You will usually need to start enforcement proceedings in the branch of the court that is local to the business". Perhaps there's a better County Court I can use?

    I have read the information written by Tobias Haynes (and previously the link from Debt Camel) several times and I am still in doubt whether to use form N322A or N322B, actually the forms seems completely identical, but if you say form N322B is the correct form to use in my case - I will do so. However, I am now in doubt on how to enforce the order using the mentioned Part 8 CPR process? Should I also complete Form N208: claim formicon (CPR Part 8)?

    All in all it seems quite a difficult task for me to obtain the Court Order, so I am considering the help of a Solicitor, (edit ). After all, the expenses for their assistance will be included in my claim to the business.

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  4. #24

    Default Re: Enforcing an FOS's Final Decision at County Court using Form N332A

    " All in all it seems quite a difficult task for me to obtain the Court Order, so I am considering the help of a Solicitor,. After all, the expenses for their assistance will be included in my claim to the business."


    That would be a wise move...and the added bonus of someone here in the UK dealing with it for you.


  5. #25

    Default Re: Enforcing an FOS's Final Decision at County Court using Form N332A

    I just wanted to update you of progress of my above query:

    I contacted a solicitor, but he concluded, after I have been chasing and reminding him and his office many times over one month, "that it would not be cost effective for me to use his services"! I therefore went back to the Central London county courticon to enquire how I could make the £44 court fee payment, considering I don't know anybody in the UK and I therefore need to make the payment from Denmark. Fortunately I did get contact to a very helpful and persistent officer at the Correspondence Team of the Central London County Court, and after much writing back and forth over several weeks, he contacted their foreign payment office in person and was told it was possible to make the payment using an international bank draft for £44.

    Then, after chasing my Danish bank, the bank draft was posted to the Court and I could thus resend my N322A application to the court together with my Final Decision of the Financial Ombudsmanicon Services and all other supporting document, including my calculation of 8% accrued interest. Surprisingly, after a few days I received by email and post my "N322 Order for Recovery of Reward" dated 28 January 2019" which has been before a District Judge. The Order has also been sent to the business by post.

    Now, I assume the business owing me money has 14 days to make the payment to me and if nothing happens I will have to lift my Court Order to the High Court using a High Court Enforcement Office and a private Enforcement Service company/baliffs? I have seen there's a £66 fee for this service, but otherwise no other fees if the business pays up? I also wonder if I should contact the business and advice them of the Court Order?

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  6. #26

    Default Re: Enforcing an FOS's Final Decision at County Court using Form N332A

    Many thanks for the update.....if the court has already served the order why do you wish to send a further copy ?


  7. #27
    Site Team The Consumer Action Group BankFodder's Avatar



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    Default Re: Enforcing an FOS's Final Decision at County Court using Form N332A

    Why do you need to wait 14 days? Is there some rule or is that what is written on the order?

    Yes, you should go through the transfer up procedure as soon as you can. Most HCEO do a no win no fee basis and charge you a basic £60 or so. However do double check that this is the deal because there may be one or two is still will try to reclaim fees from you if the enforcement fails. Enforcement fees are extremely expensive – possibly a couple of thousand pounds.


  8. #28

    Default Re: Enforcing an FOS's Final Decision at County Court using Form N332A

    Thank you for your usual quick replies and advice:

    1. There's no payment deadline given on the Order, but from the mentioned Debt Camel article: "You will get a judgment order back from the court, headed Order for recovery of award. Send the firm a copy of it and ask them to pay you the amount it says, which now includes the court fee you have paid. If they don’t do that within 14 days, you can then bailiffs".

    2. I was considering writing to the CEO of the business by email to ensure they received the Order from the county courticon, so they cannot claim they haven't received it and also give them a last chance for payment without them accruing further and substantial costs. Also it would be easier for me if thy just paid so that I don't have further troubles, but somehow I don't think thy will just pay up without a fight......


  9. #29

    Default Re: Enforcing an FOS's Final Decision at County Court using Form N332A

    I suppose there no harm emailing them a further copy....in case they say they didnt get the courts copy.


  10. #30

    Default Re: Enforcing an FOS's Final Decision at County Court using Form N332A

    It does help alot.

    I got the same case which is lloyds insurance ( lloyds bank group), had emailed to António Horta Osório, however, he passed it to the another executive complaint manager with no-sense which she asked me talking to FOS, not them.

    Quote Originally Posted by Danish Pensioner View Post
    I just wanted to update you of progress of my above query:

    I contacted a solicitor, but he concluded, after I have been chasing and reminding him and his office many times over one month, "that it would not be cost effective for me to use his services"! I therefore went back to the Central London county courticon to enquire how I could make the £44 court fee payment, considering I don't know anybody in the UK and I therefore need to make the payment from Denmark. Fortunately I did get contact to a very helpful and persistent officer at the Correspondence Team of the Central London County Court, and after much writing back and forth over several weeks, he contacted their foreign payment office in person and was told it was possible to make the payment using an international bank draft for £44.

    Then, after chasing my Danish bank, the bank draft was posted to the Court and I could thus resend my N322A application to the court together with my Final Decision of the Financial Ombudsmanicon Services and all other supporting document, including my calculation of 8% accrued interest. Surprisingly, after a few days I received by email and post my "N322 Order for Recovery of Reward" dated 28 January 2019" which has been before a District Judge. The Order has also been sent to the business by post.

    Now, I assume the business owing me money has 14 days to make the payment to me and if nothing happens I will have to lift my Court Order to the High Court using a High Court Enforcement Office and a private Enforcement Service company/baliffs? I have seen there's a £66 fee for this service, but otherwise no other fees if the business pays up? I also wonder if I should contact the business and advice them of the Court Order?



  11. #31

    Default Re: Enforcing an FOS's Final Decision at County Court using Form N332A

    May I know which court you are using? I am doing the same thing against the insurer who ignored my case, and not pay me the money.


  12. #32

    Default Re: Enforcing an FOS's Final Decision at County Court using Form N332A

    Its irrelevant which county courticon it is..the process is the same for all County Courts.


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