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    • If it was done via N245 and the payments are up todate then the landlord must make an application with fee for a redetermination. Can't execute with bailiffs can't do anything until he attends a hearing and presents his arguments    ignore. Andy
    • Sorry I didn’t think to come and update this.    So the outcome was that he went to court. Apparently the judge told the landlord off for not sending a letter before action but did nothing about it. He didn’t accept all the damages the landlord claimed, and told him off for accusing my friend of deliberately and maliciously damaging anything, and he awarded him small amounts of the damages he claimed for. The landlord had also made an awful lot of things up that never existed and accused my friend of stealing them, and the judge didn’t accept any of those claims.   However, I’m back asking advice now. So he made an offer of payment via the court forms, sometime before Christmas and straight after the hearing. The landlord didn’t reply so the court accepted the payments.  My friend has been paying the £10 a month each month. Then a couple of days ago he had received a letter from court with a hearing date in a couple of weeks, and a very irate letter from the landlord saying that my friend has consistently lied and that nothing he says should be believed, and that he wants the bailiffs to be called on him and that he absolutely refuses the payment plan. The letter is marked as received by the courts in December and this is the first that’s been sent since then. My friend and his wife are now panicked, what does this mean? And can they now get bailiffs sent round? He earns an ok wage, which somehow the landlord has referred to in his letter, but he equally has a lot of expenditure and can’t afford to pay any more. What will happen at this hearing and can they send out the bailiffs just because the landlord wants them to?    I have no clue what to advise him, can you help at all please?
    • Thanks Bank – I took your cynicism / experience on board and responded thus: Thank you for your response Mr Schnur  I set out my position quite clearly in my letter of claim and nothing has changed. Your insurance requirement is unlawful and is contrary to section 57 of the Consumer Rights Act, and also section 72 of the same statute. I would also refer you to the outcomes in PENCHEV v P2G (225MC852) and SMIRNOVS v P2G (27MC729).  My deadline for action - 1 May 2024 - still stands.
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PROGOLFER VS rbos


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Ok think i am tooled up for this battle. sent request for statements, got them. been through them and filled in spreadsheets. rem not to add the 8% the court will in the total im claimming. but did add the interest for the charges. Finished filling in the prelim letter and ready to post via royal mail recorded delivery....... one question send it to head office or my branch.

 

 

ok anyone think of anything else before i drop the letter in the box......

 

 

will let you know how it all goes.

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thanks for the replys. yes in fact i live 200 yards from my branch so i will hand deliver and ask for receipt. ps. is it possible for people in scotland to use mcol to take the bank to court or is it only people in england that can use this service thanks.

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It's technically only for England and Wales...however I have seen threads where claimants have a friend/relative who's address in England they can use for the correspondance....

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Have a read around, not sure how you'd search it out, but I believe CAGGER RobertXC (or similar, has che guevara as his avatar) is particularly experienced with Scottish matters.

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  • 2 weeks later...

OK took the Leap of faith and have sent the prelim letter special delivery on 10th feb it arrived on the 12th at 1pm.

 

Recieved a letter today from the RBOS states

 

Thanks for your letter dated 10th feb 07 regarding charges applied to your account.

we are currently considering your claim and will respond to you as soon as possible.

your sincerely

sandy watt.

 

STALLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLing?

 

according to my agenda i have planed for this.

and the Rbos have until 26th feb 07 giving them the full 14 days before LBA is sent.

 

so far so good.

will keep you informed of how it goes.

 

AM currently writting LBA.

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Hi Pro

 

Standard stall tactics just as you thought but heres the good part

 

15 days after i got the same letter i was offered my charges refunded almost in full (£5500) no interest tho . I am claiming £5700 plus £1200 in charges but been advised to hang in there for the full lot

Good luck whatever you decide ;)

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Nice one busterbrown keep me informed of how u get on.

i have an agenda and wont settle for anything less than the full amount plus interest. im claiming £6000+ over a six year period using the argument

that the statue of limitations of 5 years does not apply due to the fact the bank hid the details of the charges they were appling to my account from me by telling me they were legal.

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PS busterbrown:

 

and anyway i thought i had lost the money anyway. so have nothing to lose. maybe i will be the chosen one and go to court and we can settle this once and for all for everybody out there...........

 

anyway keep me informed.......

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