Jump to content
BankFodder

Small Claims actions in the County Court FAQ - work in progress

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2137 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Suing in the County Court is very easy and pretty cheap. Since April 2013 the limits for Small Claims has been increased to £10,000.

 

You don’t need any special language. You don’t need any special skills – and if you read up a bit before you start – and take advice from the Consumer Action Group – you will have very little difficulty.

When dealing with big retailers of goods or services, making a Small Claim in the County Court is generally the only way to break through their rigid procedures and policies in order to force them to take notice of you and to do their job properly.

The quicker you start your claim the better. Companies like to get you into protracted but meaningless dialogue so that you end up tired out and you eventually decide to let it go.

 

In addition to this FAQ, please see this much more detailed description of the County Court process .

 

Q. What is a Small Claim?

A. A Small Claim is a claim for less than £10,000 and which is unlikely to involve any difficult issues of law and which is likely to take less than 5 hours to deal with at a court hearing.

 

Q. Are there any good sources of information?

A. We recommend Patricia Pearl's County Court guide. You can get it from us or from Amazon. It will be cheaper on Amazon - but of course, we would prefer if you buy it from us. There is also lots of information on this website

 

Q. What are the advantages of a Small Claim?

A. If you lose your case in court, you will not be responsible for the other side’s costs if they have instructed solicitors.

 

Q. So If I lose I won’t have to pay anything?

A. No, you will lose your claim fee and you will lose your allocation fee if you have had to pay one. You may also have to reimburse the other side’s reasonable cost of travel.

 

Q. What is an Allocation / Directions Questionnaire ?

A. There is a stage in the proceedings where you will have to complete an allocation/directions questionnaire so that the court can decide what court to hold the hearing in and other matters. It is on the basis of this form that the court will decide to allocate your claim to the Small Claims track.

 

Q. If I win, do I lose anything?

A. If you win, you get your claim fee and your allocation fee back from the other side and your reasonable costs of travel. You won't get back anything you have spent on legal advice.

 

Q. Are there other kinds of Claim?

A. There is the Fast Track and the Multi-Track. If you lose your claim on these tracks, you will be liable for the other side’s costs. Ouch!

 

Q. Which court will my case be heard in?

A. If you are a private individual suing a company then the claim will be heard in your local court. Otherwise the normal rule is that the claim is heard in the local court of the defendant.

 

Q. What if I can’t afford the fees?

A. If you don’t have much money, the court fees may be waived. You don’t have to be on benefits for this. You may be employed but have very little available income. Visit your local court office and ask them about it.http://www.consumeractiongroup.co.uk/forum/showthread.php?406096-LEGAL-EX160A-Court-Fees-are-you-exempt.-**Correct-as-at-Feb-2015**

Bringing a Claim

 

The courts have had to cut costs so procedures tend to have changed.

However, the United Kingdom – but especially England and Wales - have a highly accessible system which is ideal for consumers who want to take on corporate bullies.

 

It is important to adhere to Pre-Action Protocol before issuing a claim..Court expect both parties to take relevant steps pre litigation in an attempt to resolve a dispute. Under new rules brought into force on 1 October 2017, there must be an attempt to enter into correspondence which could go on as long as 90 days before you decide that there is no hope of an agreement and you then issue your letter of claim. Here is a link to the Ministry of Justice PDF document which describes the new pre-action protocolhttps://www.justice.gov.uk/courts/procedure-rules/civil/pdf/protocols/pre-action-protocol-for-debt-claims.pdf .

 

Most consumer claims can be started online using the Court Services MoneyClaim service. You will need a credit card or debit card to pay the court fee. The claim will be issued from Northampton Bulk processing Centre and will be transferred to a court if the defendant files a defence.

If you have very little money and you want to apply for a fees waiver, then you will have to visit your local court and you will have to begin your claim there.

 

Q. So how do I start?

A. Log on to MoneyClaim and open an account. It’s free.

Go through the steps and fill out each section of the claims process. Make sure that you identify your defendant as an institution or else you will end up having to travel to their court.

 

Q. There isn’t enough space for me to explain my claim.

A. Yes, there is very little space. You get about 1050 characters and you have to work within that.This is not a bad thing because many people want to write far too much.A claim is simply where you state the bare facts of the case. You don’t start putting all of your evidence and other information into the claim. That comes later if the case goes to a hearing. In most consumer claims you would simply want to say that you had an account or bought goods on a certain date and with a certain reference number. The goods failed or your account was mismanaged or that money was taken etc.You don’t need very much space to do this.

 

Q. Isn’t there a way that I can include more detail?

A. Yes there is. You will see a checkbox where you can indicate that you will be sending a more detailed Particulars of Claim later.

 

Q. If I check that box, when do I send detailed POC?

A. You must send the full POC within 14 days of the claim having been served. You send it to the defendant directly. You must then file a certificate of service with the court within a further 14 days.

 

Q. Doesn’t the court get a copy?

Send a copy of the full POC to the court once a defence has been filed and the case has been transferred to your local court. Then send it to your local court.You must also file a N215 Certificate of Service within 14 days of the claim being issued.

 

Q. What is the difference between filing documents and serving documents?

A. Filing is when you send the documents to the court. Serving is when you send them to the defendant – or to the claimant if it is you who is being sued.

 

Q. How do I draft the full POC?

You don’t need any special format – but you must put the name of the claimant and the defendant at the top and also the name of the court and also the claim number. Then it is a good idea to put a bold heading.

It will look like this:-

 

In the ToyTown County Court

Claim no. QT123456Y

Between

David Slingshot (claimant)

 

and

 

 

Goliath (defendant)

 

 

 

Further and Better Particulars of Claim

 

 

  1. The claimant had an account ref. no XXXXX with the defendant
  2. The defendant levied charges for late payment blah blah
  3. blah blah
  4. blah

 

 

After that you can lay out the facts – but remember to keep it brief and factual.

Use numbered paragraphs for each point you are making.

 

Keep it short!!!

 

At the end put a statement of truth and sign and date it like this:-

 

 

I believe that the facts stated above are true

 

Signed - D. Slingshot

Dated. - 1.06.2013

Q. So what happens next?

A. Well you complete the MoneyClaim form. About two days later it will have been served on the defendant by the court. They then have 14 + 5 days to file an acknowledgement.

 

Q. What if they file an acknowledgment?

A. Then they they have 28 days from the date of service to defend the claim.

 

Q. So if they don't acknowledge the claim, they only get 14 days to defend?

A. Yes....should they not defend within that 14 days you can proceed to default Judgment.

 

Q. So what happens if they don't defend at all - either after the 14 days or after the 28 days?

A. Then you apply for judgment.

 

Q. Do I have to write to the court?

A. No you do it online using MoneyClaim.

 

Q. Do I have to remind the defendant or warn them that I'm going to apply for judgment?

A. No. You say nothing. You simply apply for judgment.

 

Q. Supposing I don't apply for judgment straightaway, can they still defend?

A. Yes, the defendant can file a defence at any time before you get judgment.

 

Q. So I need to do it straightaway?

A. Yes.

 

Q. How do I know when the 14 days or the 28 days is up?

A. The MoneyClaim system won't let you apply for judgment until the time limit has expired. When it gets close to the time, keep on checking MoneyClaim. You'll suddenly find that it lets you apply for judgment.

 

Q. Do I really get a judgment simply because the other side hasn't responded?

A. Yes. It is called a default judgment. However the defendant can try and use a procedure to challenge a default judgment. It is called asking for the judgment to be setaside

 

Q. What happens next?

A. After a week or two, you will get a notice from the court saying that you have a judgment in your favour

 

Q. How do I get the money?

A. If your claim was for a fixed amount, then you may as well put the bailiffs in.

 

Q. Don't I have to warn the defendant?

A. You can do if you want - but it is easier just to press ahead and put the bailiffs in by applying to the court. You will get your £50 bailiff fee back

 

Q. What if the claim was not for a fixed sum? For instance I wanted to leave damages to the judge to decide or I wanted a default entry removed?

A. Then there will have to be a hearing to assess damages or to arrange the order to remove the entry.

 

Q. What happens if the defendant files a defence?

A. Then each of you will be sent an allocation questionnaire. Each of you will have to complete it. After that, a decision will be made as to which court the case should be transferred to and also as to which Track the case should be allocated to.The claimant will have to pay a hearing fee subject to the value of the claim.

 

Q. How will I know?

A. You will receive a notice - probably from your local court tell you that the case has been transferred there. The judge will also set a date to give directions.

 

Q. What are directions?

A. Directions are orders from the court about how the case should be managed. The judge may order that the parties disclose certain documents in advance, for instance. You can write to the court and suggest some directions if, for instance, you feel that the defendant has been withholding evidence which you think that it is reasonable to disclose to you.

 

Q. Will I have to attend the directions hearing?

A. The notice which you get from the court will tell you if there is to be a hearing and whether you are required to attend. Have a look at at our County Court familiarisation guide for some ideas as to how to prepare yourself for going to court. - http://www.consumeractiongroup.co.uk/forum/content.php?35-Guidance-note-Making-a-County-Court-familiarisation-visit

 

Q. The directions state that both parties must file/serve & exchange documents by a certain date ?

 

A.This is known as Standard Disclosure, in Small Claim Track you can just provide a list of all documents you will rely on and have referred to within your Defence & and Witness Statement.Cases in Fast Track should use the N265 for Standard Disclosure.

 

NB.Anything you do not disclose can not be relied upon or used as evidence.

 

Q. Directions state that both parties should file/serve & exchange Witness Statements by the date stated...is this additional to my defence/claim?

A. Yes...this supports and particularises your defence and allows you to refer to case law etc....this should be drafted in your own words and formatted like a statement of case.

Edited by BankFodder

Share this post


Link to post
Share on other sites

This is all work in progress


Share this post


Link to post
Share on other sites
style="text-align:center;"> Please note that this topic has not had any new posts for the last 2137 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
Please fill in your quit date here
Guest
This topic is now closed to further replies.

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?





  • Tweets

  • Posts

    • Yes - this needs to be resolved, but I think you need to try to be a little more certain about what has happened.  First(?) MOT was in 2014 and for the 2015 MOT the car had covered ~ 26,000 less than had been recorded the previous year.  Most relatively new cars have service intervals which indicate a service around MOT time (not sure about Jaguar).  What does the service history for your Jag reveal about mileage covered in 2014/15?  Does it reflect the mileage recorded for the two MOTs?  Also have you tried contacting Jaguar to see what they say about the mileage from service records / ecu output?   When you say it was sold as clear, what did the finance company actually tell you?
    • I'm not entirely sure what your understanding is so firmly based on and I do not understand how you can be absolutely sure that your view is correct and that there is a defect in the vehicle.   Let's say the OP bought the Jag with 80,000 on the clock and it was advertised as such.  If in fact it had covered 106,000 then I would agree with you that there is a problem with this sale.  Now it actually appears that some discrepancy has been uncovered in the mileage recorded in 2015 which appears to indicate the car was clocked by 26,000 miles between MOTs.  The point I'm trying to make (and to be honest I'm surprised that you are not completely sure what it is) is that if the discrepancy in 2015 is due to a typo or some other clerical error, and the 80,000 miles (or whatever it is) is in fact correct, then there can be no defect because the OP has bought exactly the car that was advertised and that he thought he was buying.  I don't see how a clerical error in 2015 can possibly amount to a defect now that entitles the OP to reject the car.  And the OP could not have been misled by this error because they never checked it themselves before purchase.   I agree that the OP needs to get this bottomed out with HPI - that is, has it actually been clocked or is it simply a clerical error in 2014?  As has already been posted, the OP should be able to sort this out definitively by checking the service interval mileages on the service history or by asking Jaguar to confirm it.   Also, I'd be grateful if you could explain the reference to "...a trade-facing view."?        
    • For the 'signature', if you look at the bottom of dx's post, below the sentence in red block capitals and the one in black block caps, no 2 is Reclaim PPI with a link in blue to click on. I think this is the one dx means.   HB
    • Hi again dx, I'm so sorry I don't know how to do that and I can't see a signature ?! I'm not very good with technology I just managed to screenshot the document. Should I delete it ? Thanks for all your help
  • Our picks

    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
      • 0 replies
    • 30 Day Right To Reject - Vehicle Casualty Report. Read more at https://www.consumeractiongroup.co.uk/topic/415585-30-day-right-to-reject-vehicle-casualty-report/
      • 57 replies
×
×
  • Create New...