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    • Yes you should take this view, but this is nothing to worry about you will be fine. you have a very well edited WX im sure although I haven't actually looked at it because I can't seem to work out which one is the new one anymore, although I do remember something previously. however if i remember it right its just a lost parcel via packlink and no insurance which frankly is pretty straightforward and should be a copy of farooq v evri. Have I understood the case right? Please tell me if not as there is rather a lot on this forum
    • well in every other thread advocate or not evri always send a cpr27.9 because they never turn up. I don't think we've seen a thread here without one. Maybe @BankFodder can tell me if i've missed one, but all of the ones I can remember there has been a cpr 27.9 notice even when an advocate has attended and from my own knowledge also I've always had CPR 27.9 advocate or not. I dont think there is a single thread on this forum where evri have shown up themselves and similarly I don't think there is a single thread where they dont send notice (aside from this)
    • OK, thanks.  Jake Burgess is well known to us - and well despised. Friday would be great as then there would be the weekend to tweak things. 👍
    • Thanks FTMDave.  VCS's WS was from Jake Burgess.  I will draft my WS and share with copies of court order, and VCS's exhibits asap.  I'm away tomorrow so more likely Friday.  Thanks again for the advice   
    • Thanks. Time to move on this. 1.  You need to tweak the magnificent WS that dx suggested.  Adapt it to your case.  It should take you about half an hour (I recently wrote a WS from scratch during a train journey which wasn't optimum 😂 with lots of cross referencing and it took me an hour an half, you have one already cooked thanks to dx). 2.  We will add bits to ridicule VCS's WS - it's rich that they moan about your defence being standard when their Particulars of Claim are too and also include the rubbish about keeper/driver that has been criticised numerous times by the courts. 3.  Who wrote their WS?  Was it Mohammed Wali or Ambreen Arshad or have they got someone new? 4.  We need to see a good chunk of VCS's exhibits.  I don't get why we have to keep asking you for things rather than them being volunteered.  Isn't it obvious that we can't help you compile a decent WS if we can't see what the other side is arguing?  All their silly signs aren't needed, but any contract with the landowner is important as are all the photos of your vehicle. 5.  You've never shown us the court order which fixes the hearing date.  It should be obvious we need to see what the court has ordered.  This is the second time we've asked. 6.  VCS were using Elms Legal.  Are Elms Legal still involved? 
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Debt_Mountain vs Nationwide


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LBA sent earlier this week with spreadsheet of charges excluding the interest column.

 

Just started to complete the N1 as I will obviously need it as they always go to this stage.

 

Can someone tell me the fee for court? I will be posting it to the local court in Swindon as I am in Scotland. The amount is £4500 for the charges, interest is a wopping £1200 as it goes way back to 2000. Is the fee £250 as it is over the £5000.

 

At the end of page 1 (bottom right) of the N1 there is a box asking

 

amount claimed, court fee, solicitors cost,total amount. In the amount claimed do I put the £4500 or inc interest £5700 ?

 

 

 

Only got to wait a couple of weeks now. Payout will be middle of next month if all goes to plan.

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I believe the fee is £250.

 

Total box is including interest.

 

Keep us updated :)

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Thanks Dolly,

 

got the 2nd bogoff letter tonight. The so sorry but feel free to take your banking elsewhere.

 

found this site to be useful Her Majesty's Courts Service - Home

 

Phoned the nearest English County Court to Scotland and it is Morpeth. Berwicks is a Magistrates court. Very helpful young chap. He said you can raise the claim in any English court and if the defendant wants he can request it be moved, so I ain't going for the Swindon one now.

 

I have severed my charges (by account number) so this is the first of 2 claims, I am going to try it through the samll claims the first one (£4500), then as it will be the Nationwide's money I am using for further one(s) I will try a fast track for the remainder (approx £8000).

 

Can't wait. tick tock, tick tock.

If I have helped click my scales....

 

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  • 2 weeks later...

Good luck Debt Mountain! ;)

 

I haven't received a response to my prelim letter or my LBA so far - will file when I get paid.

Barclays

Settled in full 13/09/06 after LBA (£115.00):D

 

Nationwide

LBA sent 13/09/06 - Response 04/10/06.

Moneyclaim submitted 04/10/06.

Won (settled in full) 19/10/06. (£748.00):D

 

Halifax

S.A.R sent 05/10/06.

Prelim sent 14/11/06.

LBA sent 28/11/06.

Offer rejection sent 30/11/06.

 

GE Capital

S.A.R sent 25/10/06 on behalf of sister.

Incomplete statements sent.

 

Barclaycard

Prelim letter sent 30/11/06

Barclaycard agree to pay difference between charges and 12 pound OFT charge suggestion. Accepted £64.00 06/12/06.

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Just phones Mrs Debt Mountain and gave her the great news.....she agreed to my idea of having a week in Tenerife in January on Nationwide (I know it was actually my cash but its more fun having it on the bank.

 

Well it is back to business as I am now going to start part 2 and go for contractual compound interest at 24.9% the current unauthorised od rate... I think. Still have some reading to do but plan on going the hole hog this time.

 

any views on setting the contractual limit?

 

thanks to all for the info and support.

 

I am so chuffed and they seamed to refund very quickly...never even got a reply from the court before the cash was in the account.

If I have helped click my scales....

 

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Well done! :D

Barclays

Settled in full 13/09/06 after LBA (£115.00):D

 

Nationwide

LBA sent 13/09/06 - Response 04/10/06.

Moneyclaim submitted 04/10/06.

Won (settled in full) 19/10/06. (£748.00):D

 

Halifax

S.A.R sent 05/10/06.

Prelim sent 14/11/06.

LBA sent 28/11/06.

Offer rejection sent 30/11/06.

 

GE Capital

S.A.R sent 25/10/06 on behalf of sister.

Incomplete statements sent.

 

Barclaycard

Prelim letter sent 30/11/06

Barclaycard agree to pay difference between charges and 12 pound OFT charge suggestion. Accepted £64.00 06/12/06.

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Wow Debt Mountain - well done enjoy spending YOUR money - I'm currently going for contractual compounded interest (24.9%) and I'm studying this whole site to get my wording correct on the court papers - I've still got to wait 6 days before I can start the legal process

mmmm...Tenerife in January....sounds like a great idea

PLEASE sign this petition to reduce amount of time CRAs hold your data

http://petitions.number10.gov.uk/CreditRA

 

I HATE MBNA :evil::-x:mad::-x

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Looking for some advice here.

 

I have received all but a few hundred of my claim, I have informed the court and Charles (Mr Bacon) I have received part payment but am still awaiting the remainder before I inform the court that the claim is settled.

 

My question is, can I start my next claim against them knowing that Nationwide will pay the balance in the next few days (week max) or am I just being impatient?

 

Don't want to jeopordize my next claim for the sake of a few days?

 

I suppose I have just answered my own question, but what do youz think.

 

DM

If I have helped click my scales....

 

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Wow they paid out quickly!!!!!!

 

Mines were served on 29th too, me gonna check my balance!!

***Nationwide***

Data Protection Sent 05/08/06

Statements received 17/08/06

Prelim Sent Rec Delivery £1231.50 18/08/06

LBA Sent 11/09/06 Rec Delivery

N1 Issued 28/09/2006 for £1561.80 inc Interst

Date of Service 30/09/2006

***WON*** NATIONWIDE PAID 12/10/06

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update

 

final amount now on its way...final payment received today (hopefully)

 

what I did was

 

7:45am Sent my "thanks for the part payment ....so you in court" email first thing to Mr Bacon so don't know if that helped. But I just asked and no questions were asked.

 

10:30am I phoned the number on the letter saying they had short paid me (01793 712603) and was put through to another department. Very polite and helpful people.

 

They said that the shortfall would be put into my account today...

 

They implied there was also a letter in the post about the additional missing funds as if it had been processed prior to my intervention today.

 

Cooool.

 

Second claim can now commence....request sent recorded today so I can close off case 1 today and case 2 starts when they get the prelim request tomorrow.

If I have helped click my scales....

 

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  • 1 month later...

:) Well I am smiling at the moment because I have finally received my subject access request which I sent off for almost four weeks ago. I had my strategy, but as time has lapsed I now find I am having to go over everything I need to do. So I have highlighted all charges over six years. Have written prelim letter but now I have to complete a schedule of charges right? I see there are two versions on excel on this site, is the more complex one the best? Do I have to state when I was charged and when the acual money was take from my account? Can anyone please advise. By the way its great to read all the success stories...well done all.

Thanks to anyone who's listening in...:?

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