This topic was closed on 2019-03-08. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/08/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/08/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

bump ^^^ any help ?

Original thread is here : http://www.consumeractiongroup.co.uk/forum/dealing-debt-scotland/164863-court-papers-received-_.html I suspect it is......but you never know ! any help would be much appreciated

And today i have received a letter from the court......with various dates on it....the first one being '7/11/08 is the last day for lodging defences'.....i have already sent a letter off to the solicitors at the same time i returned intent to defend notice, asking them for copies of documents they rely on etc...... Should i SAR Clydesdale to get all the other info ????

I decided to CCA the OC to see what they had....and they returned this..... However when we were looking through boxes of paperwork from years back we found another agreement identical to this one but with different figures on it...........! ? We remember that Clydesdale originally sent us the original which Mrs Scotia signed and sent back, then we got a phonecall a few days later to say that because we had a few late payments on the credit card there was charges on top of original settlement figures obtained and that they would have to redo the loan (Both credit card and loan were Clydesdale ones !)....at the time we were naive so we went along with it......got the new documents (the ones above) and sent them off.....end off.....until we were struggling and had to enter a DMP with CCCS

ok here it goes.....i have shown below all the pages in the initial court papers received.....more to follow ! I have returned Form 07 - Intent to defend with the fee

I will scan in the documents and put them up here later today, unfortunately i cannot SAR etc because i have already received the court papers, and have to decide whether to defend it by tomorow.......so don't have time to wait.... The total debt is for approx £12k...original loan was taken to pay off and existing clydesdale personal loan and an ever increasing credit card (so will be SAR these to check for charges etc) We have been making payments for the last 2 years through CCCS of approx £150 per month to Clydesdale, yet due to us missing a payment a few months ago they have decided to proceed with court action..... I have sent off a letter to the Claimants solicitors asking for copies of all documents to aid me in making my defence, i have also asked for statements of the previous credit card, and personal loan statements (although not mentioned in their 'Particulars of claim' i am hoping they will supply these for me) I have to return the court papers stating my intention to defend by the weekend HEEEEEEEEEEEELLLLLP

Any help please ? i only have a few days before i have to send back court papers and i don't have a clue !!

Hi Folks Mrs Scotia had a credit card with Clydesdale Bank in early 2003, they kept upping the limit when they were putting charges on it, so eventually, when it reached a few thousand they offered her a new personal loan to pay of her existing loan, and the credit card.......... We received the paperwork, signed it and sent it back, then a week later we were contacted and told it would need to be at a higher rate because we had a couple of late payments showing on our record....and again that PPI had to be included in the loan......so they resent new paperwork, which showed higher APR, and more for the PPI too......anyway......we got into problems and after 12 months of the 60 month loan, we entered into a DMP with CCCS....Every one of the companies was cool about the reduced payments apart from Clydesdale....they kept hassling us, until recently...... Court papers received last week saying they want all the money.....need to put in a defence.... I was thinking along the lines of....the original credit card had loads of charges....this was joined into the new loan, as well as PPI.....The PPI was included on original loan and subsequent one.....and even though we told them that our employers have an excellent sickness package (ie full pay 6 months...half pay 6 months....plus pensions etc)they wouldn't let her take out the loan unless it included PPI... So could i defend along these lines.......if i get back PPI plus charges it would be touch and go if balance was cleared...so it makes a difference.... I have already done a CCA to Clydesdale (was hoping they couldn't find it...btu they did)...everything appears to be tickety boo.......so i think my only way of fighting is above.... Any help ??

I am a UNISON steward at my work...have been so for several years (7 at last count)......if you wish to contact them, let me know...i have been asking the local branch about taking matters further with regards to this....will let you know how it goes

Hey Dawnb, it appears that you have been reading the correct parts of this forum, and seem to be collecting and storing all the relevant data .....lol....as for claim amount, i can only give advice based on my claims...i sent all letters prior to claim asking for full amount, but my LBA i added a paragraph to state that i would be submitting claims in £750 chunks rather than claiming for them individually....that way i put across that i am making best use of money and resources by claiming several charges together and not having to 'split' the total claim into smaller chunks to avoid court costs etc...it worked for me and several others on here, but the as they say on TV..."the choice is yours" Your other point about having several accounts and dealing either seperately or at the same time.....i would probably opt for the together option, due to the fact that if you concentrate on one account, that say takes several months to completion, you are in effect losing out on claiming these several months back from other claims ie Scottish limitation is 5 years, so if you started them all today then you could claim back from July 2001, however if you wait on the outcome of first claim, then it may knock a couple of months from others accounts. However it could also get complicated having several claims ongoing at the same time, knowing which stage each is at etc.....but if you are an organised person then it shouldn't be a problem...... If you need any help let me know, Scott