Paulawinter Vs Abbey - Preliminary Hearing! * SETTLED IN FULL *

[paulawinter]

Hi

 

Have just received all my statements and adding them all up, but as I have a graduate account i'm not sure if i have been charged interest on all these charges. Can i just claim the basic charges without all the interest and stuff!?

Also, do i have to send a spreadsheet along with my preliminary letter of all the dates of charges or can i just make up my own table?

 

Thanks!

Paula

[give_me_it_back]

Hi there. Not a silly question at all!

 

There is a very helpful excel in the library section which adds up the interest for you, so you should use this and claim the interest also.

 

I plan to print off the excel and send it with the letter - just as much ammunition as possible will help and hopefully stop Abbey trying to stall for more time.

 

Good luckl!

[paulawinter]

Thanks for replying!!

Have seen the excel, but how do you know what interest to put in the blue boxes on the right?

 

Paula

[paulawinter]

Also, i very rarely get interest taken from my account - 30p here and there. Is that what i should be claiming for, or something entirely different?

[give_me_it_back]

The excel I have may be from somewhere else... It actually adds up the interest for you (and knows the date!) It's very clever!

 

If you give me your email address I can send it to you?

[give_me_it_back]

I'm not actually sure about the interest on your account, but supsect this is normal practice. I think all we claim for is interest on the unlawful charges.

[paulawinter]

Thanks!

I'm using the one with the turquoise boxes and things, not sure if that's the right one - if not my e-mail add is [email protected]

Really appreciate the help - just totalled up charges of £803!!

 

Thank you!

Paula

[give_me_it_back]

No problem Paula. I'll email the one I have over to you.

 

It's shocking when you actually LOOK at the charges, isn't it!?

 

Let me know how you get on.

[paulawinter]

Is the Triton Square address the right one to send all correspondence to?

 

I am just about to send off my preliminary letter and want it to go to the right place!

 

Thanks

Paula

[Michael Browne]

Yes, that's fine.

 

They'll redirect it by internal mail

[paulawinter]

Hello there

 

I sent off my allocation questionnaire about 3 weeks ago to my local court, and haven't heard anything back? Does anyone know if it usually takes this long?

Thanks

Paula

[Jane Austen]

When did it have to be in by? You won't hear anything until after then.

[paulawinter]

it had to be in a couple of weeks ago!

[livelylad]

it had to be in a couple of weeks ago!

 

ring the court and quote you ref number they will tell you what is happening.

[paulawinter]

thanks - will do that tomorrow! hope everythings ok:confused:

[livelylad]

thanks - will do that tomorrow! hope everythings ok:confused:

 

hopefully they havent replied and you win by defalut.

[paulawinter]

Hello

 

I have just received a letter saying I have a preliminary hearing that i have to attend on the 14th November - anyone know what I have to do now???

Thanks!!

[paulawinter]

Thank you!

 

The letter says when the case will be heard and then says (I think this is what you mean by the order)

 

Claimant clarify case by filing and serving a statement setting out the charges disputed by reference to date and amount and by reference to bank statements.

 

30 mins has been allowed for the preliminary hearing

 

 

 

Thanks for any help!

[paulawinter]

ok!

With the spread sheet shall i print off one with the charges up to the date of the hearing or the one with the amount that i put through money claim (coz the 8% will have gone up since i filed the claim!)

[paulawinter]

Thanks very much. I feel a bit silly, am prob asking basic questions, but i really don't know how all this works!! will i be requires to talk or anything in court, and literally defend my claim?

[paulawinter]

Please Please can somebody help me?!??!

 

I am supposed to be going to court on the 14th of November and can't find anyone thats done this yet as there is so much on the forums to look through!! I have to take along all my statements and things, but is there going to be someone from Abbey there, and will i have to stand up and defend my claims? Please help!

[give_me_it_back]

Paula. Don't fret. LOADS of us have been to court. Please search the forums for the stories.

 

Abbey ALWAYS say that they are intending to defend - this is absolutely normal procedure and nothing to be concerned about. Please have a proper look trhough all the longer Abbey threads. Look at mine for starters. Although I didn't appear incourt (only cos I was on holiday), my lawyer did. Abbey will only send a trainee solicitor, and the judge will set a date for proof. Abbey will cough up before then anyway.

 

DON'T panic! It aint like Judge Judy and the court is there to help YOU.

[paulawinter]

Thank you!

 

I am just really worried about what I need to say to the judge!

 

Has anyone been in the same situation, where they're only been asked to bring in their spreadsheets and statements for a half hour hearing?

Thanks

[bp]

Hi Paula, if you can, have a look at a thread by whizzkid on the Abbey forum. its a very long read but absolutely brilliant! It actually describes what happened at a hearing.

[paulawinter]

Thank you!!! i Will have a look now!!!