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    • Morning dx and thank you for your message.   With regards to your comment about them not needing to produce the deed, the additional directions ordered by the judge included 'a copy of any assignment o the debt or agreement relied upon'  so that is why I thought that point was relevant?
    • Sorry for the long post but I don't want to miss out any relevant information: My wife bought a car from Trade Centre UK and have been having nothing but trouble with it. Unfortunately we paid of the finance used to buy the car as we weren't expecting this much trouble with the car as we we though we would have protection as buying from a dealer. We are wondering if we can still reject the vehicle since the finance plan has been paid off. Timeline is as follows: 13/12/2023 -15/12/2023 Bought car from Trade Centre UK for £10548 £2000 deposit paid on credit card on 13/12/2023 £8548 on finance from Moneybarn (arranged through Trade Centre UK). picked up car on 15/12/2023 Also bought lifetime warranty for £50/month 25/12/2023 Engine Management Light comes on. The AA called out and diagnosed the following error codes: P0133 - Lambda sensor (bank 1, sensor 1) Oxygen Sensor. Error Message : Slow reaction. Error sporadic P0135 - Lambda sensor heat. circ.(bank1,sensor1) Oxygen Sensor. Error Message : Component defective Due to it being Christmas took a few days to get through to them but they booked me in for 28/12/2023 to run their own diagnostics. 28/12/2023 Took car in to Trade Centre so could check the car – They agreed it was the Oxygen Sensor and Booked me in for repair on 30/01/2024. I was told they had no earlier slots, and I would be fine to carry on driving car when I said I was afraid of problem worse. During diagnosing the problem, they reset the Engine Management Light. During drive home light comes back on. 29/12/2023 - 29/01/2024 I carry on driving the car but closer to the date, engine goes to reduced power every now and again – not being a mechanic I presumed that this was due to above fault. 20/01/2024 Not expecting any more problems paid off the finance on the car using personal loan from bank with lower interest rate. 30/01/2024 Trade Centre replace to O2 sensor (They also take it on a roughly 60mile road trip which seems a bit excessive to me – I can’t prove this as something prompted me take a picture of milage when I handed car in but I forgot take one on collection – only remembered next day.) 06/02/2024 Engine goes in reduced power mode again and engine management light comes on – Thinking the Trade centre’s 28 day warranty period was over I booked the car the into local garage for the next day to get problem fixed under the lifetime warranty package. Fault seems to clear after engine was switched off. 07/02/2024 In the Morning, I take it to local garage who say as the light gone off – the warranty company is unlikely to cover the cost of the repair or diagnostics and recommend I contact them when the light comes back on. In the evening the light comes back on and luckily I manage to get it back to the garage just before it shuts for the day. 08/02/2024 The Garage sends me a diagnostics video showing a lot error codes been picked up by their diagnostics machine including codes for Oxygen sensor and Nox Sensors, Accelerator pedal and several more. Video also shows EGR Hose not connected to the intake manifold properly, they believed this was confusing the onboard system as it is unlikely this many sensors would trigger at same the time but they couldn’t be certain until they repaired the hose. 13/02/2024 Finally get the car back as it took a while to get approval and payment for the repairs from the Warranty company. Garage told me to keep an eye the car as errors had cleared with the hose but couldn’t 100% certain that’s what caused the problem. 06/03/2024 Engine management light comes on again. Fed up I go into Trade Centre as I was just around the corner when it happened and asked them how to reject the car or have the problem fixed. They insist that as it’s over 28 days I need to get the car fixed under the warranty package I purchased and they could no longer fix the car as it was over 28 days. When I tried telling them it appeared to be the same or related problem they said they couldn’t help as I hadn’t contacted them earlier. I asked them if they were willing to connect the car to the diagnostics machine and tell me what the problem was, as a goodwill gesture, which he agreed to do and took the car to the back He came back around 30 minutes later and said they took a look at the sensor they replaced previously and there was nothing wrong with it and engine management light went off when they removed the sensor to check it. When I asked what the error code he couldn’t give me an exact fault but the said it one of the problems I told him earlier (Accelerator pedal). I have this visit audio recorded on my phone – I informed the reps I was recording several times. As the light wasn’t on, local garage couldn’t book me for a repair under warranty. 07/03/2024 Light came on so managed to book back into local garage for the 12/03/2024 Whilst waiting to take car into garage, I borrowed a OBD sensor and scanned for errors on the car. This showed the following errors: P11BE – Manufacturer specific code (Google showed this to be NOX sensor) P0133 - Oxygen (Lambda) Sensor B1 S1: Response too Slow 12/03/2024 Took car to local garage and the confirmed the above errors. This leads me to believe that either Trade Centre UK reps lied and just reset the light or just didn’t check properly (Obviously I am unable to prove this) 22/03/2024 Finally got the car back as according to garage, the warranty company took a long to time to pay for the repairs 28/04/2024 Engine management Light has come back on. Using the borrowed OBD scanner I am getting the following codes: P0133 - Oxygen (Lambda) Sensor B1 S1: Response too Slow P2138 - Accelerator Position Sensors (G79) / (G185): Implausible Correlation I have not yet booked into a garage as I wanted to see what my rights are in terms of rejecting the car as to me the faults seem related. I can’t keep using taxi or train to get to work every time the car goes into the garage as it is getting very expensive. Am I right in thinking that they have used up their chance to repair when they conducted the repair end of January or when they refused to repair it in February ? If I am still able to reject the vehicle could you point to any sample letters or emails I can use. Thankyou for your advice on my next steps.
    • Ok noted about the screenshot uploads. In terms of screwing up I had one previous ticket that defaulted and ended up in a CCJ from Southend airport because for some reason during COVID I didn't receive their claim form just a notice of default. This hospital ticket was the 2nd ticket that went to CCJ due to a lack of knowledge of the process. Maybe it's easier just to pay them in future I'm thinking though, I don't get them very often anyway
    • Car maker takes a hit from weakening demand and price war in the world's largest electric vehicle market.View the full article
    • please stop posting up unnecessary unnamed screenshot files  you've done it throughout your threads and we have to renamed them. RENAME THE FILE before you upload if its just text information like a defence or a claim history or a link to a previous post  type it here not by an unnamed screenshot attachment  . sorry NM but you've been here dealing with PPC claims since 2021 somehow you always manage to screw up.......or do totally the opposite of std repeated advice on 10'000 of PPC threads here you are your own worst enemy... dx  
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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    • We have finally managed to obtain the transcript of this case.

      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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Cobbetts Cpr part 18 request/CPR part 16.4.1


MARTIN3030
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NatWest were served yesterday, so all i goto do now is play the waiting game, and see what crap they throw at me... corrbets are *******i wouldnt care if i had to spend the next 3 years fighting them, and with the help of everyone on this forum,(who i have to say have been fantastic) i know that il get every penny of my money back. keep up the great work guys

Sorry matey had to edit that as it was pretty clear what you meant...and that being the case if I can read it so can the people who can complain !!!

18/10/06 sent lba for current account

18/10/06 claim issued against NatWest for £2,495.00

30/09/06 O'Neill V NatWest - declined offer of £1216.00 sent responce to settlement letter

30/09/06 O'neill v Woolwich plc mortgage account sent Data Protection Act notice for not replying

30/09/06 Oneill v citifinancial sent S.A.R - (Subject Access Request)

30/09/06 O'neill V Capital One sent S.A.R - (Subject Access Request)

 

If u can do it, SO CAN I!!!!!!!!!!

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one other thing, am i right in thinking that we have to pay 120 to serve in court, and then another 100 when the aq arrives? just wanna makes sure i keep the 100 quid by for when the aq comes

18/10/06 sent lba for current account

18/10/06 claim issued against NatWest for £2,495.00

30/09/06 O'Neill V NatWest - declined offer of £1216.00 sent responce to settlement letter

30/09/06 O'neill v Woolwich plc mortgage account sent Data Protection Act notice for not replying

30/09/06 Oneill v citifinancial sent S.A.R - (Subject Access Request)

30/09/06 O'neill V Capital One sent S.A.R - (Subject Access Request)

 

If u can do it, SO CAN I!!!!!!!!!!

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:) Yes the AQ will cost you 100.00 based on the amount of your claim.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi guys,

 

the claim I've put in is for over £5000 so when I inevitably get the Part 18 request from Cobblers, how do I answer this? Do I just state that I've provided detailed information already and send all the information again?

 

If it's not going through the Small Claims court then I guess they're entitled to request this from me..? So I shouldn't send the standard letter. Am I right?

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Have you already filed ?

If not with small claims then yes.

Here is a guide to a part 18 request.

 

 

-and-

NATIONAL WESTMINSTER BANK PLC Defendant (or as applicable )

 

RESPONSE TO REQUEST FOR FUTHER INFORMATION AND CLARIFICATION

 

NOTE- IMPORTANT

 

 

1. This response is served pursuit to CPR 18

 

The Response

2. In response to Para 2.1 and 2.2 (a)(B)© of defendants request please find herewith (attached Schedule one) a break down of the charges applied to the claimants account this includes the claimants account number sort code and the dates of the charges were applied and the reason.

3. In response to Para 2.2 © of the defendants request, the claimant has already explained why the charges should not have been applied but for the avoidance of doubt the claimant alleges that the charges are Penalty charges are irrecoverable at common law. The precedent for this was Dunlop Pneumatic Tyre Co Ltd v New Garage and Motor co Ltd [1915] AC 79.along with Murray v. Leisure play [2005] EWCA Civ 963 It was held that a contractual party can only recover damages for an actual loss or liquidated losses.

4. In response to Para 2.3(a) Yes, the claimant should not have been charged an amount above the true administrate cost incured by the respondents, (B) the claimant should not have been charges for reason out lined in Para 2. © the claimant should have been charged the true administrative cost,

5. In response to Para 2.3(d) The Respondents have asked what the claimant should have been charged, to answer this the claimant will need a break down of the administrative cost incured by the defendant in applying the said charges.

6. In response to the further question made by the defendant the claimant will not be able to responded to these until the claimant has disclosure and inspection of documents as the claimant will be requiring a copy of his contract with the respondents

7. If the defendant requires any further information, the claimant will be happy to provide this once the discloser of documents/information has been dealt with by the court.

 

 

This example is for a business account but you will get the idea

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I will be abroad from this Wednesday for a long long time, if i put a claim in and get a CPR (or other stalling tactic!!!) Can i have it emailed from blighty to me then email a scanned and signed copy back or will it have to be posted to me and i post it back??

Is there a timescale that the CPR would have to be back by??

Doubt if i can get it to me and back to blighty in 7 days as some people seem to imply!

 

Cheers all.

 

T and R

Of course it hurts!

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I'm just beginning the process against NatWest for my daughter so, in anticipation of c**p from Cobbetts, sign me up for anything you care to name.

PS she WILL be chipping in with her contribution when we win!

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Had this this morning?

 

Anyway 1st page had Notice of Transfer stappled to it said something like this.

 

The claim has been transferred to Manchester County Court for Allocation. On receipt the file will be refferred to a proceedural judge who will allocate the claim to track and give case management direction. Details of the judges decision will be sent to you in notice of allocation.

 

Is it normal?

 

There no way I can travel so will have to put that on my AQ. is having very small children and not been able to go 400 miles around trip in a day a good reason?

  • Haha 1

Allyxia

KEEP FIGHTING FOR YOUR MONEY - EVEN WHEN IT GETS TOUGH

The Banks are somewhere which lends you an umberella when it is sunny, and takes it away when it rains

 

HSBC £1200 - Settled in Full

Cap 1 2 X £100 - Settled in Full

Nationwide £1641 - Settled in Full inc Default and CCJ Removed by Court Order

NatWest £2215.60- Settled in Full and Removed Default Natice

Woolwich £3690 - Settled in Full

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Have you already filed ?

If not with small claims then yes.

Here is a guide to a part 18 request.

 

 

-and-

NATIONAL WESTMINSTER BANK PLC Defendant (or as applicable )

 

RESPONSE TO REQUEST FOR FUTHER INFORMATION AND CLARIFICATION

 

NOTE- IMPORTANT

 

 

1. This response is served pursuit to CPR 18

 

The Response

2. In response to Para 2.1 and 2.2 (a)(B)© of defendants request please find herewith (attached Schedule one) a break down of the charges applied to the claimants account this includes the claimants account number sort code and the dates of the charges were applied and the reason.

3. In response to Para 2.2 © of the defendants request, the claimant has already explained why the charges should not have been applied but for the avoidance of doubt the claimant alleges that the charges are Penalty charges are irrecoverable at common law. The precedent for this was Dunlop Pneumatic Tyre Co Ltd v New Garage and Motor co Ltd [1915] AC 79.along with Murray v. Leisure play [2005] EWCA Civ 963 It was held that a contractual party can only recover damages for an actual loss or liquidated losses.

4. In response to Para 2.3(a) Yes, the claimant should not have been charged an amount above the true administrate cost incured by the respondents, (B) the claimant should not have been charges for reason out lined in Para 2. © the claimant should have been charged the true administrative cost,

5. In response to Para 2.3(d) The Respondents have asked what the claimant should have been charged, to answer this the claimant will need a break down of the administrative cost incured by the defendant in applying the said charges.

6. In response to the further question made by the defendant the claimant will not be able to responded to these until the claimant has disclosure and inspection of documents as the claimant will be requiring a copy of his contract with the respondents

7. If the defendant requires any further information, the claimant will be happy to provide this once the discloser of documents/information has been dealt with by the court.

 

 

This example is for a business account but you will get the idea

 

could this be used for a personal account? or is it better to just send the other responce that as it will be seen in small claims track, there is no need?

18/10/06 sent lba for current account

18/10/06 claim issued against NatWest for £2,495.00

30/09/06 O'Neill V NatWest - declined offer of £1216.00 sent responce to settlement letter

30/09/06 O'neill v Woolwich plc mortgage account sent Data Protection Act notice for not replying

30/09/06 Oneill v citifinancial sent S.A.R - (Subject Access Request)

30/09/06 O'neill V Capital One sent S.A.R - (Subject Access Request)

 

If u can do it, SO CAN I!!!!!!!!!!

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If your case has yet to be allocated and if there is a likelyhood that it will stay in small claims then there is no need to fell out or send the part18.

The oribinal letter which referes to this will be sufficient.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Allyxia,

Sure I read in the 'CitiFinance' thread that you can apply to have it heard locally using the 'David and Goliath' argument that a corporation is far better able to meet the costs than an individual.

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Originally Posted by MARTIN3030

This is something I have heard of......a block complaint to the Lsc .....anyone interested in adding their names to the list ?

 

Have only posted my claim today but I have this SPOOKY feeling that i will be getting all the normal s**t like everyone else - so in answer to the question a definate YES! How, where and when?

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Allyxia - your claim will be heard in your local court. When you fill in the allocation questionnaire you don't even need to mention it, because the claim will be allocated to your local court ANYWAY. If it is not, THEN you can write to the court with your objections to this... but you won't have to :)

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I think we have prob got enough names here to do somethin.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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In relation to the complaint to the LSC, I am in the process of drafting something but wanted to ask Martin to read through it and add his expert advice to the ltter, however his inbox is full (or he is ignoring me as his own personal stalker), so Its at a stand still?

 

So dont know where to go know?

Allyxia

KEEP FIGHTING FOR YOUR MONEY - EVEN WHEN IT GETS TOUGH

The Banks are somewhere which lends you an umberella when it is sunny, and takes it away when it rains

 

HSBC £1200 - Settled in Full

Cap 1 2 X £100 - Settled in Full

Nationwide £1641 - Settled in Full inc Default and CCJ Removed by Court Order

NatWest £2215.60- Settled in Full and Removed Default Natice

Woolwich £3690 - Settled in Full

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In relation to the complaint to the LSC, I am in the process of drafting something but wanted to ask Martin to read through it and add his expert advice to the ltter, however his inbox is full (or he is ignoring me as his own personal stalker), so Its at a stand still?

 

So dont know where to go know?

 

Hey stalking martin's inbox is my job!

Consumer Health Forums - where you can discuss any health or relationship matters.

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ha ha we can both stalk him as he not replying anyway!

Allyxia

KEEP FIGHTING FOR YOUR MONEY - EVEN WHEN IT GETS TOUGH

The Banks are somewhere which lends you an umberella when it is sunny, and takes it away when it rains

 

HSBC £1200 - Settled in Full

Cap 1 2 X £100 - Settled in Full

Nationwide £1641 - Settled in Full inc Default and CCJ Removed by Court Order

NatWest £2215.60- Settled in Full and Removed Default Natice

Woolwich £3690 - Settled in Full

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Yes Giz dont I know it !!

Dunno why you didnt e mail it........both addresses are there in my profile !!!

However space in my pm now...........for the moment at least !!:D

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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In relation to the complaint to the LSC, I am in the process of drafting something but wanted to ask Martin to read through it and add his expert advice to the ltter, however his inbox is full (or he is ignoring me as his own personal stalker), so Its at a stand still?

 

So dont know where to go know?

 

 

Expert advice on the Litter ?

I am hopeless with cats lol

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Yes Giz dont I know it !!

Dunno why you didnt e mail it........both addresses are there in my profile !!!

However space in my pm now...........for the moment at least !!:D

 

Yes Giz dont I know it !!

 

Yes but all in a good cause - one way or other!

Consumer Health Forums - where you can discuss any health or relationship matters.

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Well it felt rude to email you esp since I didnt get a reply throughyour PM.

 

Im off to bed now been at this bloomingPC all day and have got RSI in my fingers!!! Tell you what I need is a damn good neck rub????

 

I'll be back to grind tomor, and will forward something then!!!

 

Giz you hear that - we have persmission to stalk him via email now as well!!! Hee HEE!

 

PS yes the Litter tray does need emptying!!

 

Yeh Yeh I know typos are bad, but my fingers are stopping working now.

 

All typing no play make Allyxia BAD!!!!!!

Allyxia

KEEP FIGHTING FOR YOUR MONEY - EVEN WHEN IT GETS TOUGH

The Banks are somewhere which lends you an umberella when it is sunny, and takes it away when it rains

 

HSBC £1200 - Settled in Full

Cap 1 2 X £100 - Settled in Full

Nationwide £1641 - Settled in Full inc Default and CCJ Removed by Court Order

NatWest £2215.60- Settled in Full and Removed Default Natice

Woolwich £3690 - Settled in Full

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Hi Guys,

Can anyone advise :

I am claiming against NatWest and have been following the process as detailed by some of you great peeps. 6 Oct I received a letter stating lack of information and how embarassed the defendant is blah blah blah!!!

 

2.1 of the letter states that to bring such a claim (among other things) plead the account giving details of the name and number to which charges have been applied.

 

4. Claimant to put strict proof of each and every charge the subject of the claim and must identify in respect of each charge

(a) the date the same was debited

(b) the amount of the same and

© the description applied to the charge

 

All this had to be received by 20 Oct.

 

I sent copies of orignal letters, spreadsheet detailing claim as stated above. I posted this recorded delivery 9 Oct which was signed for 10 Oct. I also rec'd AQ which was completed with £100 court fee as requested and posted within timescale.

 

This morning I have received a Cobbetts letter attaching defendants AQ stating:

Pursuant to CPR Part 3.4 (2) (a) the defendant would ask the court to strike out the claim. The claimant has not shown that she has reasonable grounds for bringing the claim and despite the defendant requesting that the claimant remedy the lack of particularity pleased in the Particulars of claim within 14 days, the claimant has failed to do so. The defendant therefore respectfully requests that the Claim be struck out.

 

Called Cobbetts who is confused by defendants statement in their AQ and will call me back once she has spoken with colleague??

 

Really unsure what to do although I was informed to complete a Summary Judgement??? Does anyone have a copy if this is the right process to follow?

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Not sure who would have informed you to fill out a Summary Judgement. If you've sent all the details, with your particulars of claim, respond to their letter (and a copy to the court) detailing what it is you have sent, the fact that it has been signed for, and the fact that it contained all the details they are asking for. Explain that you feel grossly intimidated by the Defendant's tactics and actions, and that you feel that it has a bearing on your case that they are willing to take such actions in order to deter you from claiming.

 

Hugs

 

You'll be fine, honestly. They're just trying to scare you and therefore you should stand firm against them. Don't call them, use the court to scare THEM!

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This is the third one today.

Cobbetts are treading a fine line.

Looks like the NW claimants will have to join with the RBS peeps who are already in the process of drawing up a bulk complaint against these tacticts to the Law Society.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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