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hertsman31

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  1. Post in error please await further updates as will follow reference this case
  2. If and when I receive my six years worth of accounts "current account/loan", I would perfer for my counter claim "breakdown" to be put together by a basic accountant who has done this kind of submission before. I would perfer to have a professional in this feild area complie my counter claim numbers. Benifit 1-I will know the charges I am submiting are concise, fair, correct. 2-It will be presented by an accountant so the judge will at least see I am trying to oorganized and my counter claim is based on real incorrect charges complied professional and worthly of the courts "judges", time. I have had to use an accountant once previously when I worked self employed for a short while, it was a worth while exercise then and I think it would be a good idea for me now as well? It might very well be an easy thing to do myself, to prepare my counter claim defence but the last thing I want to do is submited an incorrect figure or with error. Are there any members of this site who can help me in a professional manner as required, accountant + has submitted previous claims, counter claims with charges? Or can you dirrect me to account who can cheaply assist me? Input...
  3. Hi Thank you for your input. I have filed my Acknowledgment of Service, they state this gives me "if you need 28 days (rather than 14) from the date of service. The extra time will allow you to seek legal advice from a solicitor, legal advisor, or Advice Agency who may help you prepare your defence." Is that working days or including Sat/Sun>? Information given on Money claim reference this states only... Filing an Acknowledgment of Service You can tell the Court that you intend to defend a claim by filing an Acknowledgment of Service within 14 days of the date you received the response pack (the date of service). You can file an Acknowledgment of Service using this online service, by answering the questions presented in the electronic forms that follow. You should complete this form if you need 28 days (rather than 14) from the date of service. The extra time will allow you to seek legal advice from a solicitor, legal advisor, or Advice Agency who may help you prepare your defence. You can also use this form to tell the court that you intend to contest the court's jurisdiction if you believe that the court does not have legal authority to hear the claim that has been made against you. When you have submitted this form Money Claim Online will automatically send your form electronically to the Court where it will be recorded and forwarded to the claimant. You will be able to see that your form has been received by Money Claim Online by looking at the claim status. If you prefer you can complete the Acknowledgment of Service (N9) form included in your response pack and send this to the address on the form.
  4. Hello Thank you very very much for your assistance you have given me MUCH help thank you. Please can you review my plained course of action and see if it seems correct? 1-I need time to create a defence I am therefore going to complete the Acknowledgement of Service (This can be completed on www.moneyclaim.gov.uk .... , of the three options I will complete number 2 which is I intend to defend part of this claim. (1,I intend to defend all of this ..3, I intend to contest jurisdiction, these are N/A) Once I have completed the above step this will give me some additional time. I will send recorded delivery the letter in the thread you gave me to Natwest's solictors. They will then have to send me the docuementation (recorded?) and if they do not in the time frame required the judge should have to pospone the court trail etc until it is completed, that is a lot of work for them to complete, if they do provide all of the information in the letter I should work out how much they have over charged me with the assistance of files and members here and sumbit this as my counter claim defence ? What would I put as my defence in this kind of situation, that I dont contest the loan amount but that I can not resolve it or agree to pay untill Natwest resolves the outstanding monies they owe me? One final point, should I CC the letter to the actual court as well as Natwests solictors? Should I trim down that letter? I think it is a fair letter as it covers what they will use against me so I should have access to what they are referencing? Please get back to me ASAP. herts
  5. Hi I am sorry if this is covered elsewere can some one please explain in simple terms how you do the following. £10 fee and request an S.A.R - (Subject Access Request) to natwest. I understand you send it to customer services? What should I do if my account is currently with the debt recovery department of Natwest. Thank you
  6. By an agreement entered into between the claimant and the defendant, the defendant has failed to pay the sum of 20k(loan is 14k..) , or any part therof. The claimant has requested payment but the defendant has refused or delayed to pay. The claimant claims the sum of xx and interest under s.69 of the county courts act 1984 at a rate of 8% per annum from xx/xx/2007 untill judgement or sooner payment. Costs. The claim does not include issues under the human rights act 1998.
  7. Natwest. "When you originally took the loan out was it to cover an overdraft made up of charges and likewise when you again consolidated it." I took out a loan to cover some expense I had, I later had reason to extend it. When asking for your last 6 years statements did you put it in writing with the £10 fee and request an S.A.R - (Subject Access Request) - if not you must do so immediately. My account is currently in the hands of a royal bank of scotland solictor which are acting on behalf of RB/ Natwest. Can you post here the details they have put on the claim form? I will update this today around 7pm gmt (16th). I believe today is the last day of the service period (five days after court stamped) I now have 14 days to respond. As stated my loan is currently around 14k maybe 12k Im actually not sure, they had the account at like 17% for a while, they just dug me. I owe the bank money I know that and I will pay but fair is fair they need to reburse me my illegal charges (at least im not breaking the law I am delaying payment correct (when I dont have the money) but Im paying hence the last 3x£400 Ive just paid monthly, and thousands over the last few years ontime). Im happy to update this issue online going forward as a reference to other partys Im sure some one maybe in a similar posistion. I do not want to be subject to a order by the court asking for dirrect payments from my wages, it may upset my employment of which I have held for 10 years. The amount of money I have paid back to the bank over the years in loan payments and charges, it feels like Ive paid the loan twice over. Should I write to the solictor asking for 28 day extention as well as my "£10 fee and request an S.A.R - (Subject Access Request)", is it more complex now the account is offline in legal process or can I still get it, I need it to review my situation any way refernce loan charges.... It maybe worth my while putting up some form of fight against this claim? I actually really need some help Im not sure were to go. Thank you for your help so far, best regards
  8. Hi I just want to say I really appericate the help or input any one can give me Im not just saying that any advise will go a long way for me thank you. Here is my history it will be honest I have/had an account with a high street bank. I took out a loan several years ago and then compounded and I once again. Loan is for around 14k minus the interest. I started to default on the loan repayments but did make payments bit by bit, it was reorginized a number of times I cant fault the bank for that. To cut a long story short it was eventually handed to there external solicitors where I actually managed to close one of the account a credit card of £400 and did make a payment of around £150 towards the loan. It was agreed I would pay each month £400 and I have done for three months but have just defaulted again, they have promptly sent me N1 and N9 cpc forms which basicly asks me what I have to say about this loan to the court do I disput it? Do I wish to counter claim, about six options. I have just requested from customer services the last 6 years of my account history and she said she cant see my account as it is not with them any more but the request has been made and should be with me, give it a week. I want to see my account details so I can see how much over draft charges have been unfairly charged against me, total it up and then remove that ammount from either the full 20k, which is most unfair you get the interest when the loan expires, if you call it in early you should not get the interest. Or off set the over draft charges against the 14k (with out interest). I will be asking for 28 extention on the county court paper work and hope to get my bank history but what if the leanding department refuses to send it, can I ask the court or force them to give it to me before I come to agreement on what should be the total amount I owe and any agreed payment plain, I work full time and earn 25k which is around £1550 a month, my rent is £400, low out goings other than gambling. I owe the bank I know that, I have been really poor in my respect for the bank I know that, but I have to defend myself the best way I can and wish to bring up the fact the bank has been charging me thousands of pounds illegally into the mix. Please help? herts If you have read this far
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