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Wescot taking me to court for MBNA debt ***STRUCK OUT***


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Unbelievable ineptitude of the first order from Wescot, who have sent me a letter dated 10 December advising me of 'my final opportunity to avoid a CCJ' and informing me that I 'should have received a copy of the CCJ from the County Court' and that a CCJ is now registered against me for the full amount shown....

 

Hmm - how can that be possible when I have a copy Order from the Court instructing Wescot to comply with their instructions by 20 December 2011.

 

Letter in the strongest possible terms going to the compiance manager at Wescot in reply to this misleading letter..... after the 20th December of course ;)

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Same letter same stage Advice on defence required. (last page)

 

Andy

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Get a copy of their letter to the court with a complaint, and ask that it be put before a judge. He will have their gonads on toast.

 

Also copies to TS and the OFT – give them all barrels.

 

What a bunch on dissembling con artists.

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Hmm, that is a Brian Carter and SCM trick isnt it?

 

Naughty, naughty.

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I don't think its anything personal (probably automated) just their misplaced understanding of the legal process which equals their inapt understanding of debt collection.I personally would ignore and file.

 

Andy

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On the other hand, andy, if someone without the help of CAG got that letter, a heart attack could well ensue.

 

Complaining to the court about such an abuse of process – it is more than an admin error, as it happens too often – will benefit other innocents if it stops them doing it because a DJ hauls them over the coals.

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True DB but anyone without the help of Cag would most certainly have the CCJ at that stage anyway.Its utter nonsense if you read it :-

 

" sent me a letter dated 10 December advising me of 'my final opportunity to avoid a CCJ' and informing me that I 'should have received a copy of the CCJ from the county courtlink3.gif' and that a CCJ is now registered against me for the full amount shown....

 

How can you avoid if its already registered. Back room Monkeys being over imaginative.:madgrin:

 

Andy

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True Dave but anyone without the help of Cag would most certainly have the CCJ at that stage anyway.Its utter nonsense if you read it :-

 

" sent me a letter dated 10 December advising me of 'my final opportunity to avoid a CCJ' and informing me that I 'should have received a copy of the CCJ from the county courtlink3.gif' and that a CCJ is now registered against me for the full amount shown....

 

How can you avoid if its already registered. Back room Monkeys being over imaginative.:madgrin:

 

Andy

 

 

I think some people shouldnt be given access to a keyboard :lol:

 

Probably did a cut and paste from 3 different letters :madgrin:

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Indeed andy, evidence that it is a deliberate ploy and not an admin error. All the more reason to stick the toecap up the sphincter!

 

No thank you.. Do you know how much I paid for these shoes ? :lol:

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Uploading documents to CAG ** Instructions **

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Incredible that they sent exactly the same letter to the other guy, which suggests 'automated letter' all round - mine isn't signed and it does look like a computer produced letter rather than a personalised letter which Wescot have sent in the past.

 

I think that I'll keep my powder dry on it until after the compliance date, 20 December, has passed, and then follow their complaints procedure to the letter. If that means I have to escalate to OFT/TS so be it, but I should at least give them the opportunity to justify their ineptitude. Should they somehow come up with the documents then I can at least add their reckless letter to my bundle of evidence ;)

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Indeed andy, evidence that it is a deliberate ploy and not an admin error. All the more reason to stick the toecap up the sphincter!

 

:lol:

We could do with some help from you.

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  • 2 weeks later...

Well not a dickybird from Wescot, aside from two misleading letters saying as a CCJ had been entered against me (it hasn't) I'd have to pay up, both issued after the Order of 6 December was issued.

 

Interestingly the Order is worded that I don't need to seek judgment against Wescot as it notes :

 

Unless the Claimant do file and serve the summary by 20th December 2011 the claim shall be treated as struck out and an order that the Claimant shall pay the Defendant's costs of a litigant in person such costs to be assessed if not agreed

 

So, do I now have to send my claim for costs to Wescot or to the Court for them to issue an Order ?

 

With regards to their misleading letters I will also complain to Wescot with a threat of a formal complaint to the OFT directly (one letter was careless at best, a second was just plain negligent) and possibly Trading Standards too

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Although they wont do anything.. I would suggest you also make a complaint to the Solicitors Regulation Authority :)

 

There were a few solicitors that sent defendants this type of letter over the last couple of years and they really should be stopped.

 

I think you will need to confirm with andyorch as to how to claim your costs and also if you should be advising the court of Wesclotts' letters.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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PS Does this seem like a reasonable set of costs :

 

Postage

Nelson Guest 8 October 2011 recorded delivery 1.23

Wescot 19 October 2011 recorded delivery 1.23

CCBC 26 October 2011 recorded delivery 1.23

CCBC 17 November 2011 standard delivery 1.09

TOTAL POSTAGE £ 4.78

 

Telephone calls

Wescot 18 October 2011 1.42

CCBC 1 November 2011 0.55

TOTAL TELEPHONE CALLS £ 1.97

 

Litigation in person @£18.00 per hour

Research of Case Law & Civil Procedure Rules – 6 hours 108.00

Drafting and sending letters and e-mails – 2 hours 36.00

Preparation and postage of Application Notice to Court – 2 hours 36.00

Preparation and online submission of Defence – 2 hours 36.00

TOTAL LITIGATION IN PERSON £ 216.00

 

(Note the application for the order did not cost me anything as I was exempt from charges)

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You can also claim for paper, printing, travel to post office to post letters.

 

But yes, what you have posted up seems extremely reasonable :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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yes, if they have not complied with the order (to 'file and serve...'), (or did not manage to obtain an 'extension' from the court), then the strike would be automatic (no further order required). double check with the court that it has been struck. then send costs to w, as per the order (they will have a copy of the order).

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This is what I intend sending tomorrow - does it look okay ?

 

I write with reference to the Court’s General Direction Order of 6 December 2011 and note you have failed to comply with Deputy District Judge Parker’s first order, specifically that

…Unless the Claimant do file and serve the summary by 20th December 2011 the claim shall be treated as having been struck out and an order that the Claimant shall pay the Defendant’s costs of a litigant in person such costs to be assessed if not agreed.

In that regard, your claim has now been struck out by the Court and I hereby attach my claim for costs of a litigant in person totaling £222.75. I look forward to receiving your remittance, payable to clayts, within the next 14 days.

Should you disagree with the amount without good reason or fail to remit this amount then, as directed, I shall have no alternative but to apply to the Court for a further Order which may result in additional costs to the Claimant. I am sure you would wish to avoid this course of action.

I look forward to hearing from you in due course.

 

 

Is it worth asking them whether they intend to pursue this matter again, or should I let sleeping dogs lie (I do intend to pursue MBNA for my PPI once this matter is sorted, as well as taking issue with their conduct of late) ? Ideally it'd be nice to get something from them saying this matter is closed, but maybe that's wishful thinking on my part

 

 

 

Observations welcome.

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  • 2 weeks later...

Sorry for lack of updates - was waiting for e-mail back from the Court (couldn't get through on phone)

 

Anyway.... here's the proof I needed :

 

Good afternoon,

Thank you for your email. I can confirm that the case was struck out on the 21st December 2011. I can also confirm that no Judgment exists in this matter.

 

So now to pursue Wescot like a rabid rottweiler.

 

Please amend the thread title - case struck out :)

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Well done Clayts I will get your thread amended accordingly.

 

 

Regards

 

Andy

We could do with some help from you.

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