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andtroy

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Everything posted by andtroy

  1. Thanks for that Beaker, did not mean to hi-jack your thread. Cheers Andy
  2. Hi Beaker Congratulations and well done. I have the judgement so waiting for Shabbey to pay up not that I'm holding my breath. I know this might sound a bit naive but where do you apply for the Warrent of Execution. When the judge passed judgement in my favour he told me to seek advice. Reading the threads though I don't think that is necessary. Also I was told that because it's over £650 or £600 ( can't remember which ) I can get a hight court judgement. Any way anyhelp would be appreciated. Cheers Andtroy
  3. Hi All:D I'm soooooooooo excited I'm back and i have won won won won won, one very happy bunny. Well Shabbey did not turn up so the judge passed judgement in my favour and have given Shabbey 14 days to pay up. So that conjures up some really nice mental images of a) a nice cheque or b) bailiffs going in. :D I woulmd like to take this oppotunity to say a huge thank you to karne who has been with me every step of the way and thank her for her help and advice. Also a huge thank you to this site for all your help with letters templates etc etc and setting out the steps to get these charges back. Needless to say donation will be on its way once I get the money from Shabbey. Also could my thready thing be changed now to " won won won " One last thing stick by your guns and follow your convictions if you believe in something strong enough you can move mountains. Cheers Andtroy
  4. Thnaks Karne So is the summery jugdement the letter that getting? and do I give that to the judge?
  5. Hi All Well this is it. Tomorow morning I have the hearing at the court , and up to now I have heard nothing from Abbey. To say that I'm worried is an understatement. I would have thought by now they would have made an attempt to make an offer of settlement ,but nothing. Any suggestions or thoughts would be really useful. Cheers Andy
  6. Hello Everybody Just to say that yesterday I submitted the court bundle and sent a copy to the Defendent. Well any time now they should cough up. Will keep you posted. Andtroy
  7. Hi Lula Thanks for that. See I don't get this I sent my first letter off to Shabby back in june last year and still no money. But at least I can see the light at the end of the tunnel now. Cheers Andtroy
  8. Hi Lula Thanks for that. When you filed the new claim which resulted in you getting the money back last week how long did it take the second time round from sending the letter off and getting the money? cheers Andtroy
  9. Hi Yes I realise it is the spread sheet that I did, but what I was asking was what does bookworm mean in his court bundle by "Latest Schedule of charges". Cheers Andy
  10. Hello All Sorry have not been around, had flu over xmas and new year, so was unable to do a lot. Update. Well the court hearing is set for the 8th February, so am dedicating the next few days to get the court bundle sorted. It leaves me just over 3 weeks before the hearing and as it has to be in 14 days before then so I have a good week to get it sorted out. :D Two questions 1) I have downloaded Bookworms court bundle and the very first page reads " Latest Schedule of Charges". Can someone be kind enough to clarify this, sorry to be thick and all that. I'm reading it two ways either a) Include charges that you might have missed through delay in statements coming through under the DPA request or b) the interest brought up to date. I was under the impression that I could not add any more charges unless I paid the £35 or whatever it is. So am not sure ewhat is ment by latest schedule of charges. Also needed for the court bundle are copies of statements, is this all the statements or just those pertinent to each charge that has been made to the account. Thanks for your help Andy
  11. Hi All With the above claim now well and truly under way, will it now be a bit premature to get the secound claim under way or should I wait until the intial one is done and dusted. Any thoughts would be welcome Cheers Andy
  12. Hi Karne Thanks for that. Yes they have sorted the time out, 3 bloody hours they have allocated, I mean I ask you how long does it take to say " give me my money back" quite easy really. lol. Will have to sort the Bundle out now, more paper work. :D Cheers Andy
  13. Hi Nizzmo Welcome to the forum and good luck with your claim. Just a bit of advice and that is all the letters you send, send recorded delivery and keep a hard copy yourself in a seperate dedicated folder. Keep all the letters you recieve in there as well. Again good luck Andy
  14. Hello All Update. I have had the date of the hearing come through. It is set for 8th February 2007 10am. This should take no longewr then 3 hours. Presumably Shabby will pay up before then and not go to court. Here we go:D Cheers Andy
  15. Hi Ya If you go through the small claims track the maximum you can go for is 5k that excludes any charges and interest etc, I think. If your claim is over the 5k then you could consider going for 2 smaller claims ( which is what I'm doing as SHabbey messed me around with the statements, no surprise there :grin: ). I think also ( hopefully someone will correct me if I'm wrong ) but you can go through the court sysytem with a larger amount hopefully someone will post with more details. Also whatever you do make sure you keep a copy of everything you send, and send it recoreded delivery. I've kept everything in a committed folder with all the letters and the little orenge slip stapled to the letter. Hope this Helps Andy
  16. Hi All Thanks midge for your reply. Would be good if this is the case. Cheers Andy
  17. Hi Druid Have had more or less the same thing ( see my abbey thread ) . Waiting for a Mod or someone to respond. Andy
  18. Hi All With the above last 5 post's ( from the Court letter ) whats going to happen if Abbey do not respond? What does "set aside" "varied" or "stayed" mean, the application has to be made within seven days. So again referring to the above posts, is this again down to Abbey. If Abbey don't do this, does that mean I will win by default? Any thoughts welcome. Andy
  19. Hi Thanks for replying. I will go into the court on Monday and double check as you have advised just to be on the safe side. So if Abbey fail to comply with a time estimate does that mean I will win by default? Also going back to the first paragraph, can Abbey make an application to have it set aside, varied or stayed,( what do these mean) if so what happens then. Cheers Andy
  20. Hi Ya Thanks for re-plying but it does say unless the defendent provides a time estimate which is Abbey surely. Sorry don't want to undermine your advice as it were, but just want to get this right and not mess it up as having got this far. Andy
  21. Hello Everyone Update I had a letter from the court today and it's rather concerned me a bit. It says: Please can someone tell me what this means as I don't like the struck out bit. Cheers Andy
  22. Hi All Well I'm getting a little concerned as I have not heard anything from the court or Abbey. Surely I would have at least a court date through or something. But I have had nothing. Do you think I should go into the court and find out whats happening? I did go in about 2-3 weeks ago and the clerk there said that judge was writing to the othere side and trying to find out how long the hearing would take. What are peoples thoughts? Andy
  23. Hi All Could someone be kind enough to respond to the above post as I need to get a letter off tomorow. Just want some ideas of what to put in it. Thanks Andy
  24. Hi All Could someone be kind enough to reply to the above post as to what I should do. Cheers Andy
  25. Hi All Sorry havn't been on but have been waiting to see what has been happening. Have recieved a letter from Abbey who have instructed a Dept Management company to recover the overdraft dept. This amounts to £483 of which £83 of this has been charges from about April/May time which I intend to claim back. This I havn't done yet as I'm still waiting for the first claim to conclude which amounts to £630. It does not take rocket science to calculate that this will be more then adequate to repay what I owe them. Anyway the letter reads: At the bottom of the letter it says hooray get rid of them at long last. Also right at the bottom it says " Surprise surprise. So what do I need to do any advice will be extreemly helpful. My thoughts are that I should send everything that I have and say that the charges are in dispute and once I claim these charges back would more then adequatly cover the dept that I owe. Any suggestions would as I said above be extreemly helpful Regards Andy
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