Sorry meant to say in my last post "if Barclays HAD NOT replied etc... Sorry!!

Just an update following my filing of N225 (req. for Judgement) Spoke to a very nice girl in the cash dept. She said it would be posted to Barclays today and a copy for me. I asked her advice on the follow up and she said if Barclays had replied within a few days, after I'd received my copy, to telephone the Enforcement Office at Cardiff. C.C. and they would advice me of my options. Is this light at the end of the long long dark tunnel?

I've been acting for a friend who lives in Scotlad. Found the Scottish law quite alarmimg. However she seems to be getting a mix of correspondence some from HOB and some from Halifax in Leeds. I'm confused as to who I should deal with. For me its better to deal with the Halifax. Any help much appreciated,

My daughter was driving her beloved Subaru through a country lane in Wales.She encountered a herd of cows, being taken along a country lane for milking. Being a good country girl she pulled into the verge as tight as possible and turned her engine off while the cows filed past. All was well until one of the cows bringing up the rear jumped on her car. At that stage, the farmer said he would pay for the damage. She obtained a quote from a reputable local garage. The car needs a new wing and of course a paint job etc. The quote was for nearly £500.00 My husband telephoned the farmer. His wife was quite rude on the phone and on a subsequent call, said it was only a scratch and they were not going to pay for the damage. We wrote to them and gave them 14 days to respond - no reply from them. Two questions - Surely they must have Public Liabilty for moving stock on a public road? Shall we take it to the small claims court? Any comments would be most helpful.

Does anyone think that with all our applications to have stays lifted that when the OFT reviews this month, that they might change their minds. See also my comments on the Cardiff forum about "special reasons" to have stay lifted.

Hi Smutley They move in wondrous ways their wonders to perform Who knows???? Will look at the other site you mentioned.

Just spoken to Cardiff re stays. No news for me yet. I took my application in on Friday and the girl said she'd only received it today. Mine would probably be a week she said. She also said the Judge would not lift stays on all cases only those that had a "special reason". So possibly those of us that have used the standard arguments, without a particular "hardship" will not have the stay lifted. Has anybody else had a news?

This is the really sickening thing - the banks can go on charging us these disgraceful amounts - while we're all in limbo and struggling Have you looked at Martin's site for best deals. I tried to convert my credit card debt to a loan with Lloyds and it came back as a really bad deal, so like you I've got a couple of 0%,s I still have a £10, 000 credit card debt. My husband & I lived in Spain for three years. We were promised work and it didn't materialise and so we had to live on my CC for a year and pay to get home, when our savings were all gone Lloyds wouldn't help us then and told me just to use my credit card, and we've still got an unsold property out there. I wonder if they will manage to deal with all our "stays" this week?

I thought I would ring the court on Wednesday, I've not only got my Stay paperwork in (Hsbc) but also my request for judgement, because Barclays didn't respond within the14 days. from when the judge granted my request to amend my POC

Hi Tez Maybe I've missed a post of yours. Are you saying that you've done a "Request for Judgement" same as me because your bank hasn't filed a defence. Should I be doing anything now. Did you go back to court to collect paperwork?

Hi everybody No comments from anybody about my previous post?????

Hi all, Just to let you know that Barclays haven't filed a defence so took my N225 to Cardiff CC today. Fingers crossed. Does anyone know roughly how long it takes for Judgement to take place and how soon should Barclays pay up?

Hi all, Just took my paperwork to Cardiff CC today re stay 14th.Nov. I asked the girl if they'd been inundated with these applications. She said, "No actually this is the first one I've seen" Presumably if she's front of house, she may not have seen all the psotal applications. I'm a bit surprised though - do we have any idea of how many people have made an application. Hope its lots

Thanks you all for your support. I'm curious as to the difference between debt collectors Some collect the money on behalf of their client presumably for a percentage and some say they have bought the debt off the OC. Is this true? If so how can they afford to buy up all these debts? Yhey must be worth millions

Please one more question on completing N244 Part C Please find attached Part C Statement Any other supporting evidence Did you list supporting evidence ? i.e. settled cases BBC news item etc. Don't want to make any mistakes!

I've had a bit of a delay in getting my paperwork in for uplifting of stay, but I'll take it tomorrow if Judge Hendicott's back on Monday. Can somebody just tell me quickly - do I take three copies of everything to the court and they send a copy to the bank? Or do I just take one copy to court and send one to bank and keep one for myself? Thanks

An update. On 23rd Aug. I sent of letter asking for 28 days to sort things (Letter A I think). On 28th Aug. sent Letter N asking for CCA. Both sent recorded delivery. They phoned me today, but I was out so didn't get the call. Then they phoned my son "I don't know what you and your mother think you're up to - but you owe us this money" What are they like?

Juicyd sorry to be a bit thick here. I updated my SOC when I submited my N1 on 8th. June. Although I took a further updated SOC (to 9th Aug) and actually my court bundle, when I saw judge on 9th.Aug. he said he didn't need any further paperwork.Maybe I should have given him new SOC then. So should I put Period from 8th.June to...............30th Aug Thank you for putting up with my stupid questions

Feeling hopeful - don't want to count my chickens yet though!!! Can you tell me on the Request for Judgment Form Section D Amount of Claim as stated in claim form inc. interest I'm OK with, but next bit Interest since date of claim(if any)........... Period from................To.................... Rate................% Should I update my SOC to give further interest accrued? How do I know what date to put for To................ or do I use the interest pursuant to s.69 C.C. Act 1984 bit Thanks for your help

Hi JuicyD I sent three copies of my amended POC to Cardiff cc.and got my date to see judge. When I saw the Judge on the 9th., he said I didn't have to do anything - they would be sending my amended POC to Barclays.Judge Hendicott was friendly and helpful) Spoke to the court today and they said that Barclays had not filed a defence and therefore I had won by default and that they would sent me the REQUEST FOR JUDGEMENT FORM" However I've found the form on this site.Should I not just get this off to the court ASAP? I was going to do it tomorrow.

You'll find the Cardiff directions in the Barclays forum. As for the list of successful cases go the CAG main page and you'll find a link to settled cases there or try www.consumeractiongroup.co.uk/get_settlement You're not thick - we're all here to help each other

Its me again - excited - just phoned Cardiif to see if Barclays have filed a defence and they haven't so according to my calcs. they are in default - so I may been in with a chance. Only thing is I have to research what to do next. Its seems ages since I've read what to do.

Hi Lacey Haven't found your thread so reply here. Letter to accompany Application for removal of stay try UPDATED TO ACCOUNT FOR OFT TEST CASE THREAD. bbc news - I found a link for that on Cardiff Directions "Post Here" Link 603 I also printed down all successful cases for my bank. You can choose which bank and it will list all successful cases in a printable form Hope this helps.

Thanks slickwilley, I amended my POC because I had claimed for some charges that I shouldn't have done

Hi Juicyd Olden suggested I come here and ask you f or advice. I started my claim in January. It was transformed from Northampton to Carmarthen to Cardiff. On 8th.June I submitted an N244 to amend my particulars of claim. Eventually after many phone calls to the courts (they said the Judge was on leave)I saw Judge Hendicott on the 9th. August. Following this.... I received an N24 General Form of Judgement or Order 1. Leave to Claimant to amend POC etc. 2. The Defendants shall file and serve an amended Defence within 14 days of re-service. 3. The hearing on 14th. Aug 2007 is vacated. Dated 09 August 2007 Its now the 28th, Aug. Should I have recieved a Notice of Issue from the courts? Otherwise how can I count of the 14 days that Barclays has to file their defence. Omigod its getting complicated. Any advice would be much appreciated