Does anyone know what effect a CCJ for debt would have on an HBOS employee ( at Team Leader level ?) Would they be disciplined / fired ?? Thanks for any info available??

OK , Thanks. I totally take you point about the Co name : but seem unable to amend the post. Nomatter. Seems to be that our POCs are along the same lines, which is fine. So, I'll steam ahead - submitting my POC & the Court Bundle & hope that the Court takes into account that the offer was made since the Court action was started. Apparently the St.Albans court is kind of picky when it comes to procedural matters, so fingers crossed.... Will send it all tomorrow unless advised to amend etc., by Gizmo / other admin bods. Thanks for taking the time to help. Will keep you informed of my next stages. Good Luck your end!! Power to the People & all that. L

It hasn't been submitted yet, as has to be in by 4pm on Friday 20th - but this is what I have ready :

Hi Gizmo, No response to letters by 26 Jan 07 so Court papers submitted on 20th Feb an offer letter received for £1690 ( all charges ) but not for interest / court fees (c£600 ). Sent letter declining offer & pointing out that Court action was underway. At this point for Lloyds TSB & HSBC received subsequent offer of full amount ( charges & interest/ court fees ) despite having also received defence papers from solicitors. Completed & submitted AQ on March 3rd with Draft Order for Directions as template Received NatWest AQ on 22 March citing Lack of Particularity in my case - despite my having received no direction from court at this stage. 4th April claim stayed by Court as "no serious attempt has been made to comply with CPR16.4(1) by setting out a consise statement of the facts ( stylised particlulars do not constitute compliance ) I have until 20th April to comply & have prepared the Statement of Evidence etc., & Court bundle if required. So I have been offered all of the charges back - but only 3 weeks after the Court action had been started. ?? Do I now have to proceed with all of the evidence etc.,?? ?? Will the Court frown on my pursuing interest / fees etc., having been made an offer on the charges ?? ?? Is it too late to bottle it & accept the offer of charges only ?? Am very tempted to cut & run if this is still an option: but then £600 extra would be very handy. As I said, at this stage other claims came through in full - but am feeling out of my depth with this one!! What do you think?? Fear & Greed !! Thank You.

Have followed all procedures & received offer letter of full charges from NatWest - however have nearly £700 in interest & fees which were not offered. Have phoned the Bank ( a la wigglywoo ) offering to settle out of court if they refund whole amount. Informed that the only way to regain extra, is by proceeding with Court Action. I presume that I'll still have to submit the Court bundle with POC evidence etc., - which I have prepped up - but is there a way to basically say "Look they've offered me the charges back - so they know they're in the wrong. I just want the interest etc., on the amount that they have taken in charges"?? I have until April 20th at 4pm to get papers back to St Albans Co Ct. Otherwise, if I've sent a letter declining the offer in the past, will it still be available, if I bottle it?? I'm afraid of making a mistake at the Court stage which will allow them to have it all thrown out - especially as its a Business account?? Many thanks. Lisa

OK : am getting to grips with this now. Just a question though, if N.West have already offered me all of the charges back , do I have to go through the detail of statements etc., ?? Isn't there a way to say to the court "Look they've made an offer for the full amount of charges, I just want the relevant interest & costs "? It seems to me that the legal defence re: particularity & reasonable charges etc., is flying in the face of the fact that i've already had an offer - so they must know they're on a hiding to nothing. I know that some have approached the bank direct at this stage : is it advisable with NatWest to say "look if you just settle up for the costs / interest as well, I'll go away" ? - or will they smell the fear??? It's an extra £600 ?? Any feisty ideas welcome!!

Righto, Thanks for that!!

Details of Order : IT IS ORDERED THAT 1. The claim be stayed as it makes no serious attempt to comply with CPR 16.4(i) by setting out a concise statement of the facts. ( Stylised particulars do not constitute compliance ) The Claimant must amend or substitute its particulars of claim setting out the Claimant's case in plain English by 4pm on 20 April 207 and in default, the claim be struck out without further notice. If the above order is complied with the Defendant has permission to file & serve an amended defence in accordance with CPR 16.5 setting out its case in plain English In my original claim form ( from template ) I contended that " the charges exceed the Defendants losses caused by breaches" - is it this that they need me to particulariseaccording to Gary H's Statement of Evidence ?? Thanks. L

Hello, Sorry to be dumb : what exactly do you need?? Do you mean give dates to each of the stages as above? L

Hi , Am at court stage against NatWest for a business account claim. Received defence inviting the court to call a management conference to give claimant the opportunity to "properly particularise the claim" & checked with Court Office that I had no need to do anything further until instructed by the court. Subsequently I received an AQ from NatWest, claiming that I had not shown reasonable grounds for bringing the claim - & had failed to remedy the lack of particularity - but still no Court Instruction to do so. However instead of a conference instruction, this morning I received A General Form of Judgement or Order instructing that the claim be stayed as it "makes no serious attempt to comply with CPR 16.4(i) by setting out a consise statement of the facts ( stylised particulars do not constitute compliance )" An updated Schedule of claim for charges has been submitted with each stage of the claim : what exactly do they need from me in order to fulfill the Court's request for "particularity"?? I have until 20 April to comply or it will be struck out. Was offered all fees refunded in Feb - but not the £500+ in interest & charges. Is it too late to accept this now if I can't get my head around this particularity business?? Although I really don't want to bottle it at this stage if I can help it!! Thanks in advance. Lisa

Claim is going well : am at the Court stage, having received confirmation ( 7th Feb ) of their intention to defend as expected. However following letter on 31st Jan, this morning I received a chq for £750 in "final response" to my claim. Should I : bank it -but write to them to confirm that I will be pursuing the rest through the court bank it & wait for the Court process to take care of the rest., ( over £1000 ) or set it aside, leaving the claim as a whole to go through the court? ?? Would the banking of the chq constitute acceptance of their "final offer" in the eyes of the Court?? A colleague has had £750 paid into his account : how does this effect the court procedure?? Any advise from those who have been in a similar position very gladly received - now all I have to do is find the thread again!! Thanks.

I have a similar query - being in the middle of 2 claims against Lloyds TSB with the help of this excellent site! This morning I received a cheque for the amount of £750.00 as "final response" from the Bank, against the total claim of £1712 ( including interest & court costs ) However - I have also recieved a notification from the County Court of their intention to defend all of the claim. Should I bank the cheque & notify them that I intend to pursue the remaining amount - or retain the cheque & see what happens via the court?? The 28 days for defence is up on 7th March. A colleague of mine has had £750.00 paid into his account by Lloyds - despite not having accepted any offer from them ( I no longer have an account with them - hence the cheque ) How should he proceed?? Thanks for your time.