I was wondering if anyone could help I have a small deli and bought a slush machine on lease at which the end of the term the machine would be mine however after paying for the machine monthly for 3 months an insurance has now been added to which I have been told I have to have this is nearly £14 per month and although it does not sound very much it bumps the cost monthly up to nearly £60 considerably more than intended I was not told about this or not drawn to this in paperwork is there anything I can do to cancel this agreement without defaulting and if I do have to default what is the outcome likely to be from that Thanks so much xx

My word it has been a while but I am looking for advice again. At the moment and since I lost my dad I am suffering serious fianacial hardship I am on incapactiy benefit and receiving help from CAB regarding debt. I havn't even fully paid off my dads funeral fully as I am still in the same trap of being skint and going over my limit so getting stung with charges. I really have more going out that coming in at the moment which leads me to my next question can I apply to have my case settled now due to my financial status, if so how and would I get the full amount with interest. Any help wopuld be greatly appreciated.

Back again! Not been really doing anything with this as after my dad died recently not had the heart or the head to, but I do need to spur myself on and get a bit of advice in the meantime. My last paperwork from the court was a General Form order of Judgement or Order, it states that The claim be staed forthwith pending the ultimate determination of the proceedings. [and the trial date for 3rd October be vacated] Few more general things and Unless the Court had given directions in the meantime, the defendant shall within 28 days of the final determination of the proceedings apply on notice for directions. I am guessing that my trial date is cancelled and once the test case has gone through I will recieve new directions, so I dont have to do anything further at this stage??? Any advice greatly received. Thanks:)

can anyone advise, had letter from court last week saying that if they do not comply with sending ammended schedule by 4th their defence be struck out and all amounts plus interest will be awarded, in light of what hasd just happened do I still have the same opportunity or is the frezze immediate, I read somewhere that it has to go to the mastre of roles so i am hoping that means it could take a bit of time to come into effect?? Anyone advise, please. Thanks

Sorry I know I am probably not coming across clearly, can I not just ask the judge to rule in my favour or make judgement based on the fact they have not contacted me even though I sent a letter last week. Thanks

Thanks again xx

Hi Guidot I really appreciate all your help, having major problems as my printer has crashed, the court will have now received the letter I sent to sols indicating the stay was due to expire, can I not just ask the judge to make judgement as i am so confused about this just cannot concentrate straight at the moment, I have a letter from the hospital indicating that I have spent day and night at my dads bedside during his ilness just to demonstrate that I need an end to this and TSB have ignored me since November and that is unlikely to change. Again I really appreciate your help and advice and if I have to do it the other way I will but if there is a simpler but not risky outcome I would appreciate it, also not had any replies on my other thread against yorkshire bank you couldn't take a quick peep at the last post and advise could you. Many thanks Bank

Sorry how do I find your post 27 Thx

Thx So once I have sent this what will be the next step for them and me timewise?? X

Thanks Is this not giving them more time though I was hoping I coule ask the judge to rule at this stage. Thanks

attach the draft order for directions?? X

Wondering if someone could help My dad died last week and I just do not have the heart or the head to carry on with this, I have got in touch with the bank and asked them to resend the last offer they made me full amount without interest, they have sent and I am going to sign the offer letter but they also want me to sign a notice of discontinuence, I dobnt think from what I have read on here I should do they, any advice about how I should handle this would be much appreciated. Thanks

Hi was hoping someone could help, unfortunately my head is all over the place, my dad died last week so have lost the plot of what I am doing, I have looked at the link provided by Guidto but just cant get my head around it a t the mo, I assume I need to put this in 'Pursuant to the order made by District Judge x on 15 February 2007, I advise that no settlement has been reached with regard to the above matter. This is particularly disappointing, given the Defendant requested the stay in their allocation questionnaire and then made no contact whatsoever during the stay period. In anticipation of this, I contacted the Defendant by way of a letter dated 26 February 2007 (copy enclosed) in an attempt to initiate the dialogue for which the stay that the Defendant requested was intended. That letter was not even afforded the courtesy of a response. In the circumstances, the Claimant respectfully requests that directions are made as per the attached draft order, with document exchange taking place 28 days after the issuing of the order. It is submitted that an early date for exchange of documents may facilitate a prompt resolution to this litigation and negate the time wasted by the Defendant during the stay.' Can anyone fill in the gaps, I would be very grateful Thanks

Hi mimi, hate to geg in but if you could send me the index too as I am scared stiff of submitting my court bundle next month that would be fantastic. XXX

Hope it all went well for you today, cant wait to see the outcome XXX

Tried this no and it is now dead!!!! Suprise, Suprise

Thanks Caro I have ammended the letter to state this: I have a list of 162 cases which have been started against Lloyds bank - including case numbers, all of which have been settled by the bank. I have completely deleted the second parapgraph is that right?? Also do I need to attach a copy of this list, I think not but just checking. Thanks so much XX

Thanks GT Drafted the letter but can I put this info in I have a list of 39 cases which have been started against Lloyds bank - including case numbers, all of which have been settled by the bank. In fact I have a list of nearly 546 cases - including case numbers, which have been bought against UK high street banks recently and which have all been settled by the banks. Every bank refuses to disclose its costs information. There were even difficulties in disclosing this information under conditions of confidentiality to the Office of Fair Trading when they were investigating charges over the previous couple of years. Is that info readily available or is there an updated version. Thanks XX

DJ Cooke was that ther berwick story if not where can I find that one. Thanks again for your helpXXX

Thanks GT, really appreciate it! It gets so confusing because you can get so many different views and opinions sometimes that you dont know whats for the best, initially I was told to apply for the removal of the stay and then I was told no dont do that as they will not provide the schedule of charges on 25 May so I can they ask for their defence to be struck out which I thought was great a speedier outcome. Just to be clear I should not now ask for their defence to be struck out for not providing the info (would the judge not accept that)?? Just wait for the stay send letters that you provided and if they still dont comply then ask for defence to be struck out, is it not likely a court date will be given after that or will that be the last stage the judge will hopefully throw it out??? Thanks again XX

Looked in the court bundle today, oh my god it looks daunting! Just for clarity anyone, the link the court bundle takes you to is 40 pages long is that the one I have to print and there is a link off that relating to charges for credit cards do I add that???? and also should I include the cynthesis stuff is that relevant to me as I started the case before it came to light???? Any ideas on the personnal stuff I need to add also would be much appreciated

Thanks Barty and Caro Just spoke to the court and they have not recieved the counter schedule by date specified (25th) in court order so I was hoping I would not have to wait until 22 June but could now apply for breach of an order under Section 3.3.4 of the CIVIL PROCEDURE RULES and have their defence struck out and win by default, as Chloe Jane stated. Is this right and if so is this the request for judgement as I cannot see anywhere on that to tick that they have not complied with the court order it just states they have or have not fikled a defence??? Thanks again:oops:

Looking for urgent advice, need to do this tomorrow as they have not submitted, any advice much appreciated!!!XXX;)

Spoke to the court admin today just to see anything submitted from bank and as yet nothing, and the counter schedule is due from them on 25th May! Is it a request for judgement or something else i file for if they fail to file ??? Can they ask for extra time to submit also and would the judge be likely to approve??? Any help much appreciated XXX

Really sorry about the job Hilary, with any luck you will have your bank charges returned and a wonderful new job very soon XXX