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    • best to be sure it is a N279. not that they pull any underhand stunts of course   but we have seen it. your bal is now £0 but we'll still attend court as you'll probably not as we've said we've closed the account and we'll get a judgement by default. dx  
    • Sorry, last bit They had ticked that they wanted the application dealt with without a hearing, so is there any relevance that a date and time to attend said hearing has been sent out ?
    • I've not seen it personally but I think that's the letter Dad has had from Overdales. I'll see it tomorrow. It states balance: zero
    • Agreed as you clearly have little faith in your star runners, mind you - I have less - conditional on the welcher clause I defined being part, and that we are talking about the three defined candidates: Tice Farage and Anderson - not anyone anywhere as reform might (outside chance) get someone decent to run somewhere. If any of the three dont run - they count as a loss.   welcher clause. "If either of us loses and doesn't pay - we agree the site admin will change the welchers avatar permanently to a cows ass - specific cows ass avatar chosen by the winner - with veto by site on any too offensive - requiring another to be chosen  (or of course, DP likely allows you can delete your account and all your worthless posts to cheapskate chicken out and we'll just laugh) "
    • This is the full details, note they have made an error (1) in that paragraph 5 stated 14 days before hearing not 7. Surely a company of their size would proof read and shouldn't make basic errors like that 1) The Claimant respectfully applies for an extension of time to comply with paragraph 5 of the Order of Deputy District Judge XXX dated XX March 2024 i.e. the evidence upon which the parties intend to rely shall be filed and served not later than 7-days before the hearing. 2) The Claimant seeks a short extension of time allow them to further and properly investigate data provided to them by Royal Mail which is of importance to the proceedings and determination of the Claim. 3) The Claimant and Royal Mail have an information sharing agreement. Under the agreement, Royal Mail has provided data to the Claimant in respect of the matters forming the basis of these proceedings. The Claimant requires more time to consider this data and reconcile it against their own records. The Claimant may need to seek clarification and assurances from Royal Mail before they can be confident the data is correct and relevant to the proceedings i.e. available to be submitted as evidence. 4) The Claimant's witness is currently out of the office on annual leave and this was not relayed to DWF Law until after the event which has caused a further unfortunate delay. 5) The Court has directed parties to file and serve any evidence upon which they intend to rely not later than 14- days before the hearing i.e. by 4pm on 6 June 2024. Regrettably, the Claimant will have insufficient time to finalise their witness evidence and supporting exhibits as directed. We therefore respectfully apply to extend the time for filing/serving evidence so that the evidence upon which the parties intend to rely by filed and served not later than 7-days before the hearing i.e. by 4pm on 13 June 2024. 6) This application is a pre-emptive one for an extension of time made prior to the expiry of the deadline. In considering the application, the Court is required to exercise its broad case management powers and consider the overriding objective. 7) In circumstances where applications are made in time, the Court should be reticent to refuse reasonable applications for extensions of time which neither imperil hearing dates nor disrupt proceedings, pursuant to Hallam Estates v Baker [2014] EWCA Civ 661. 😎 It is respectfully submitted that the application is made pursuant to the provisions of CPR 3.1(2)(a) and in accordance with the overriding objective to ensure the parties are on an equal footing when presenting their cases to the Court. The requested extension of time does not put the hearing at risk and granting the Application will not be disruptive to the proceedings.   They have asked for extension Because 2) The Claimant requires additional time to consider and reconcile data received from Royal Mail which is relevant to these proceedings against their own data and records in order to submit detailed evidence in support of this Claim.
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Matt Vs RBS..... Round 2


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Hello

 

Please can i have some advise. It would appear as if RBOS truly are inundated with claim requests.

 

The LBA was sent on the 2nd of December to which e got a 'dealing with your request' letter to just after new year.

 

I gave them one more week, and on the 11th January, filed a claim, due to be served on the 16th January. On the 18th of January, I get an offer letter for the full amount, £2933

 

do I:

 

Take the offer as it stands

 

Take the offer, but see if they will add on the £130 court fee, and I'll then waive the interest

 

Go the whole hog, and get the charges back plus the court cost plus the 8%, taking the claim to aroung £3750

 

Its very very tempting, as the whole CPR18 Cobbetts stuff seems daunting.

 

 

RBS Account 1: Won

RBS Account 2: Won

Capital One: Won

Capital One (Wifes Card): Won

RBS Account 2, round 2: Won

RBS PPI: Won

 

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OK.

 

Just phoned RBS customer relations. the number was on the offer letter.

 

They hadn't received the court letter yet (although it was deemed to have been served on the 16th January). I said I would accept the offer if it included the court fee of £120. They said no way jose.

 

Advised them that if i let the court claim run its course, there would be an extra £600 in interest + £120 court fee that they would probably pay up. They weren't interested.

 

I need to book the summer holiday for the family in a couple of weeks, so right now, this is looking very tempting if I take a hit on the court fee.

 

What does anybody think?

 

 

RBS Account 1: Won

RBS Account 2: Won

Capital One: Won

Capital One (Wifes Card): Won

RBS Account 2, round 2: Won

RBS PPI: Won

 

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Guest willowb

RBS said the same to me a week before they paid the whole £3,257.00 back to me.

 

IMO...hang in there! but as mbdiss said it is up to you!:)

 

Wxxx

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OK then. In for a penny, in for a pound.

 

I will draft a letter of rejection, and state that a claim has been made, and advise them of the claim number.

 

How long does it normally take from this stage?

 

 

RBS Account 1: Won

RBS Account 2: Won

Capital One: Won

Capital One (Wifes Card): Won

RBS Account 2, round 2: Won

RBS PPI: Won

 

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Does this look OK as a letter of rejection:

 

Response to Settlement Offer.

Dear Sir/Madam

 

Thank you for your letter dated 16/1/07. However, due to the length of time in receiving a response to my Letter Before Action (LBA), I have filed a claim for the outstanding amount with Moneyclaim Online. The claim is deemed to have been served by the courts on the 16th January 2007.

 

For your benefit, the claim reference number is: 7QZ03963

 

I respectfully decline your offer of settlement and now request the entire amount of £2996 (this includes a further 2 charges over and above those sent with my LBA), plus the 8% APR statutory interest I am entitled to claim, and the court costs of £120. This brings the total claim to £3769.

 

Please find attached a copy of a spreadsheet detailing these charges.

 

I trust this clarifies my position.

 

 

 

 

RBS Account 1: Won

RBS Account 2: Won

Capital One: Won

Capital One (Wifes Card): Won

RBS Account 2, round 2: Won

RBS PPI: Won

 

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Just got a bank statement. The bloody bandits have relieved me of another £28, just because I went £1 overdrawn.

 

Phoned the bank up to see if they would refund it. Nope. Daylight robbery.

 

On a further note, I will be screwing RBOS for £800 on a mis-sold PPI after this little escapade is finished. I HATE RBOS. My loan would have been paid of this year if it wasn't for the PPI. As it stands, I'm looking at autumn 2009.

 

Read a story in the paper about some baliffs visiting a RBOS branch somewhere in the country, earlier this week. Apparently, the manager wasn't in the office at the time, and a load of computers got took away. Brilliant.

 

 

RBS Account 1: Won

RBS Account 2: Won

Capital One: Won

Capital One (Wifes Card): Won

RBS Account 2, round 2: Won

RBS PPI: Won

 

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Right. The MCOL time is up tomorrow, at midnight I guess.

 

So I will be entering a Judgement by Default. What does this mean in terms of a timeline to getting my money back? Does it mean I've effectively won?

 

Can I send the baliffs in after tomorrow?

 

Can they still acknowledge the claim after the 30th January deadline?

 

I'm reading the notes on the MCOL site, but no where does it state when baliffs can be used (I think), unless its this requesting a warrant of execution.

 

 

RBS Account 1: Won

RBS Account 2: Won

Capital One: Won

Capital One (Wifes Card): Won

RBS Account 2, round 2: Won

RBS PPI: Won

 

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Guest willowb

From my experience, RBS tend to enter their acknowledgement at the very last hour. I wouldn't be suprised if when you phone the Court tm that it will be sitting on the clerks desk....but you never know!

 

As for the RBS loan, have you asked for a copy of the signed agreement under CCA?

 

Wxxx

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Hello

 

I have just phoned the courts up. They have until COP today to file a defence. If they don't I can file judgement by default.

 

The people at MCOL were genuinely helpful, to the point where I was told the best time to enter judgement, how soon judgement is usually in place, and how to issue warrants (if it comes to that).

 

Lets hope they don't file a defence.

 

 

RBS Account 1: Won

RBS Account 2: Won

Capital One: Won

Capital One (Wifes Card): Won

RBS Account 2, round 2: Won

RBS PPI: Won

 

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Bugger.

 

They've acknowledged the claim. They have a further 14 days.

 

Looks like I'm waiting a letter from Cobbetts then.

 

Oh well.

 

 

RBS Account 1: Won

RBS Account 2: Won

Capital One: Won

Capital One (Wifes Card): Won

RBS Account 2, round 2: Won

RBS PPI: Won

 

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Quick question

 

I issued the claim on the 11/1/07. The claim was deemed to be served on the 16/1/07. It gave them 14 days to file an acknowledgement, which they did today.

 

This gives them 14 additional days, making the deadline 13/2/07? or is it 28 days from when they acknowledged the claim, making it the 27/2/07?

 

I think its the 13/2/07.

 

 

RBS Account 1: Won

RBS Account 2: Won

Capital One: Won

Capital One (Wifes Card): Won

RBS Account 2, round 2: Won

RBS PPI: Won

 

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Guest willowb

Hi Matt,

 

They have 28 days from the date your claim was deemed served, 16/1/07 to file a Defence.

 

Good luck

 

Wxxx

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Oh well

 

I received a notice of acknowledgement with an intention to defend the claim through the post today. A firm calling themselves Cobbetts LLP are defending the defendent, with an intention to defend all of the claim.

 

I hear Cobbetts LLP have made quite a name for themselves on this forum.

 

let battle commence...........

  • Haha 1

 

 

RBS Account 1: Won

RBS Account 2: Won

Capital One: Won

Capital One (Wifes Card): Won

RBS Account 2, round 2: Won

RBS PPI: Won

 

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Guest willowb

Usual stuff Matt, just wait for the offers now....usually half your claim and then increasing until you get a cheque through the door for the full amount:D

 

This has been my experience anyway!;)

 

Wxxx

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Well, their additional 14 days is up midnight next Tuesday.

 

In anybodys experience, do they usually defend by now? or will it be like when i checked MCOL when the first 14 days was up, and they'd acknowledged sometime between 10:30 and midnight?

 

Anyway, getting my AQ stuff ready in any case. Which one to follow though, the new layout? it looks a little daunting. I've also got the court bundle stuff ready.

 

 

RBS Account 1: Won

RBS Account 2: Won

Capital One: Won

Capital One (Wifes Card): Won

RBS Account 2, round 2: Won

RBS PPI: Won

 

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They have decided to file a defence. The case will be transferred to my local court, in this case Rotherham I hope.

 

I haven't received anything through the post yet, but fully expect something tomorrow, with AQ.

 

Oh well. I was hoping to have this wrapped up by tonight, but no such luck.

 

I have the court bundle downloaded, so is it best to follow the new method for filling in the AQ?

 

 

RBS Account 1: Won

RBS Account 2: Won

Capital One: Won

Capital One (Wifes Card): Won

RBS Account 2, round 2: Won

RBS PPI: Won

 

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Guest willowb

Have you read the thread? I subscribed and then unsubscribed because I'm so busy at the mo but I'm sure it would be a good idea to include it.

 

Don't worry about the Defence, it'll be the usual claptrap....just be positive, it won't be long now you'll see!;)

 

Wxxx

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Ahh. I see. it depends which AQ they send out, with the N149 being simpler than the N150. Include directions if its the N150.

 

Can directions be included in an N149?

 

Sorry if I sound like a numpty

 

 

RBS Account 1: Won

RBS Account 2: Won

Capital One: Won

Capital One (Wifes Card): Won

RBS Account 2, round 2: Won

RBS PPI: Won

 

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Guest willowb

I don't know Matt, you'd either have to read BFs thread and find the answer or pose the question there, I'm sure someone will tell you:)

 

Wxxx

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Just got the defence.

 

Christ Almighty.

 

This is really scary stuff.

 

I'll read through it now, and pick out details I mat need help on.

 

 

RBS Account 1: Won

RBS Account 2: Won

Capital One: Won

Capital One (Wifes Card): Won

RBS Account 2, round 2: Won

RBS PPI: Won

 

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