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Found 14 results

  1. Hi I'm about to file a MCOL. I bought a new radiator in March 2017, it developed a fault (metal started to bulge and cause a leak) in February 2018 and defendant has ignored all attempts to resolve. Defendant is a company that also sells on ebay - http://www.ebaystores.co.uk/delux-bathrooms Before sending my first letter I looked them up on companies house and ended up with three addresses and thus sent three letters recorded. 1 - address listed on ebay page - the letter was returned as not called for. 2 - address listed on companies house - the letter was signed for by unkn
  2. Hi there, I received a county court claim form with the date of service 19th june with no particulars of claim attached. I filed my AoS and i have been waiting for the PoC but they still haven't been filed . My defence date is tomorrow (17/07/18) so im really at a bind as what is required of me. I'm thinking i have to send in a defence but i'm not sure what to write the defence against as im sure its defending the points set out in the PoC. Its briefly outlined in the "Brief details of claim" on the front of the form but besides that...nothing. Should i write my
  3. help Black horse have ccj but the debt for car h as been paid in full infact there has been an over payment the ccj was served to the wrong address . i became aware after four years black horse are saying the dept is not regulated by the consumer credit act 1974 there is no contract between black horse or bank of Scotland can some help me in writing a defense to there POC
  4. Hi, I have a savings account with the Post Office, I deposited a cheque into the account in December 2014 when I tried to withdraw cash from the account I found that the PO had frozen my card. I contacted them and they said that it's because I hadn't advised them about a change of address (which I had done about 18 months previously but they say they hadn't received it). I promptly wrote another letter with the change of address which they received on 22 December 2014 they said that there would need to be a 5 day freeze on the account before they could i
  5. Good Afternoon, I'm beginning a small claims court claim against my former employer, for money due to me in unpaid wages. Rough situation is that during the time I was employed, my hourly rate was NMW, however I was required to work for 9 hours each day and only paid for 8.5 hours. As the wages received did not amount to the NMW for the hours worked, I reported the matter to HMRC. They have provided me with a determination of money due, which amounts to approximately £350, however they are no pursuing enforcement action. As my employer was a franchised store, it is my int
  6. Hi everybody, After your expertise and great advice again please. Story so far..... Sent SAR to MBNA, successfully reclaimed PPI, all done and dusted within 2 weeks of receiving SAR. The charges, not so easy. Here is what I sent to MBNA in April COMPLAINT Dear Sir or Madam, Following media reports and an investigation into credit card charges by the Office of Fair Trading, which I have recently been made aware of, I now understand that the regime of fees which you have applied to this account in relation to late fees, and over limit charges, are unlawful at
  7. Hello, I have received an N1 claim form from a building firm I am in dispute with over work they did for me (there was no contract or quote or any verbal agreement of the sum involved) - the N1 form is a photocopy which has been stamped by NCC/CCMCC but the photocopy is so faint that I cannot read the POC on the reverse. Presumably this did not come through MCOL. Who do I contact to get a legible copy and will that affect the time I have to put in the Acknowledgement of Service?
  8. Hi all, Currently in a legal battle with T-Mobile and put in a SARS request which they did send me a full A4 pack of documents. Missing from those documents and what I asked for is letters, Emails and web forms I had sent to them, I have since had a reply to my failure notice saying: " they have supplied all of the requested data where it exists and/or is still retrievable. I have sent T-Mobile at least 12 letters and 15/20 emails and not one of those is included in the SARS pack. I did threaten court so will have to do just that now as those documents will help my legal c
  9. Hi there, I'm in the process of MCOL and need some advice, I wish I'd come here first due to the problems and mistakes I've made. I initially wrote a POC of a sentence or two expecting to be able to send the full info separately. The next screen was the interest screen and thought the check box here related to support of interest & out of pocket expenses rather than extended POC. I then added the full interest rather than the daily rate. I apllied for amendment that was refused. Later being told that an N215 form? to add to it would have been suitable and no fees or anything
  10. Hi, just doing a claim for mam! I've filled in FosRunningPPI v101.xls (I have all statements) (Interest Rate + Statement date + Monthly Spend + Monthly Payment + PPI Premium) In the "Award Calculation" Box, all fiquires are there apart from the "8% Simple Interest - £0.00". I can't fiquire out why it is not calculating the simple interest, any ideas? Many thanks
  11. Hi Hoping for some guidance! Shop Direct have ignored my letter before action and I stated to them (in lba) that I will not be pursuing the matter through the fos. So I am preparing my claim against them. This is my POC so far, bits extracted from other's people PPI poc and also my own input, I would appreciate if anyone can suggest alterations etc before issuing, many thanks!
  12. Hi, long time member, infrequent poster. Looking for some guidance as I have received today a court claim as below, After reading up on here about Acknowledging Service and CPR procedures, I have acknowledged service online and requested the following from Hegarty under CPR 31.14, 1 the agreement relating to Personal Loan Account number AAAAAAA. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting t
  13. Hi guys, I'm going for a Court claim against a bank for mis-sold PPI (early 2006 to 2008), I don't want to go the FOS route... Need a second opinion with certain bits of my POC... Please suggest if ok or adjust with better sentances! Many thanks for any help!
  14. Hi all, I have written a detailed particulars of claim and now wish to take the next step. I noticed that in the help guide for MCOL it states: "If you don't have space for all the details, provide a summary of your claim and say you will send the details separately. You will then have to send the detailed particulars to the defendant within 14 days of submitting the claim. You will also have to send the court a 'certificate of service' form. If your case is transferred to a local court, you will need to send a copy of the details to the court within seven days." I have the fo
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