Shopaholic v RBS

[BigCol]

Rebecca,

you haven't made that big a mistake, however, in the eye's of the courts you should give them adequate time to answer. No doubt they will come back with a standard letter on or around the 14 day mark, I would be tempted to send the LBA letter again giving them 14 further days before going for the jugular. You can't go back on this now, but you just need to make sure the Bank takes you seriously.

[BigCol]

Rebecca,

 

looks like your case has obviously slipped through the Cobblers net. I thought mine might have what with it being holiday time, but alas no! Keep up the pressure like Blue says, have you got all of the relevant case numbers (Bank, Court & Cobblers), that seems to be one of the things that was missing from Blue's case. You may wish to consider sending a quick letter to Cobblers informing them of your actions, they seem to do the same whenever they do something (info the Court too!). This may speed things up? Make them see you mean business.....which you do!

 

BC:p

[BigCol]

Rebecca,

 

sounds like another call to the Court would be worthwhile. It may be that the Court don't 'open' till 0900 and therefore didnt enter the defence received until after you requested judgement, in which case they may have 'over-ruled' your request. May be a glitch in the court system.....no dramas though, the rest of the process is much better mapped out this way!

 

BC:p

[BigCol]

Not sure, maybe a question for the Court, they are usually very helpful, especially if you explain the circumstances. I had a friend was was caught speeding in the UK whilst serving in Germany and he was 'let off' because the Policeman realised that the costs wouldn't be worth the eventual fine/sentence. I guess a Solicitor can represent you if you wish, you may want to speak/emither Ms Burgoyne and explain your circumstances to her and outline the costs involved in your having toreturn for an hour long hearing from wherever, don't forget the hotel, car hire, food costs as well!! It may help in an early settlement?

 

BC:p

[BigCol]

Oo-er Rebecca,

 

not sure about that, cos would it still be below the £5k Small Claims limit? You may be better off keeping them separate, which isn't ideal considering your future life-plans. I'd be tempted to ask a solicitor about this one, seeing as you have submitted an MCOL, you could submit an N244 Application Notice to the Court to include your personal account claim. Sorry if this doesn't help. just thinking out loud before I've finished my 1st coffee of the day....

 

BC:p

[BigCol]

Rebecca,

 

it sounds like you might have to fill in an N244 for this now as you are ammending the original claim. Speak to the Court and ask their advice, if that's the case, it will cost you £35 (non-claimable) so bear that in mind, but it might also be worthwhile if you add your personal ac claim to it as well. Mod's help may be required, poss PM BF and ask their advice?

 

BC:confused:

[BigCol]

Rebecca,

 

she's not wrong there is she, complicated......I should cocoa!! 'Sup to you then, don't forget that most solicitors do the free consultation thing...

 

BC8-)

[BigCol]

Rebecca,

 

you are so right. How many times do you see posts where people have just become too fixated on a little matter that is inconsequential in the great scheme of things. Reading other threads in between letters or actions has got to be the way forward. I have posted so many times almost exactly what you did ^, read posts, cut & paste into a word document, read some more, prepare, check, ask, print, check, post, and relax....Tea or wine is a very good option at these points. The RBS seems to be going through a fairly rigid procedure, and Cobblers even more so. Most of the 'big' threads on the RBS forum have the advice that you need, if it's any different or complicated, you should ask (the only stupid question is the one that doesn't get asked!!).

 

At the end of the day, you are in charge, it is your claim and your timescale (until the Courts get involved and even then the timescales are fairly lengthy), there is no need to rush and get into a panic.

 

Best of luck to you and everyone out there, it's your money and they WILL be giving it back!!

 

BC:cool:

[BigCol]

Rebbecca,

 

I got a very similar letter, regarding Cobblers' client - Nat West Bank Plc. So I sent a copy to the court and advised Ms B at Cobblers that her client should be RBS. From other threads, I understand that Cobblers are dealing with the Nat Wets claims too!

 

Idioten!

 

BC:p

[BigCol]

Rebecca,

 

try this for Ms Burgoyne:

 

'[email protected]'

 

I have emithered her a couple of times and never had a reply, but Martin has.

 

BC