Jump to content


  • Tweets

  • Posts

    • I posted a reply earlier which I have now deleted because I realise that I hadn't read your story correctly. You have laid out £1000 on repairs to a vehicle which according to you is probably in need of further repairs. Although you have been rebuffed by the dealer at your first asking, your position would be much better had you provided the quotes for the repair work to the dealer in advance so that he had forward knowledge and was able to present his own opinions before you went ahead and spent the money. This kind of transparency is essential when you are in conflict with somebody who may later on dispute the value of the work which was carried out. Fortunately you have had more than one opinion from independent garages and this will be very helpful to you. So in order to recover your money, you have prepared a letter but which is rather open-ended because it simply says that you would like to have a reply within 14 days or else you may go and see a solicitor. Given that you have been rebuffed quite peremptorily by the seller of the vehicle, I don't think that this is going to make very much impression. You need to take control of this and assert yourself. I notice that you say that you are too exhausted to look around for a replacement vehicle. Do you have the stamina to conduct a small claim against this dealer? It's very easy but it will require some tenacity and there won't be a quick solution. I can expect to go on for six months or so before you get a result unless the dealer decides to put their hands up. I would avoid going to a solicitor if I were you because first of all you incur expenses which you will not get back from the dealer. Also the solicitor will start off by sending letters which will simply delay things further and of course will incur further costs for you. You haven't told us the name of the dealer – even though you have been asked by another member of the site team. He also haven't told us anything about the car – the make, model, year, mileage and price. I think we will have to modify your letter based on whether you think that you would be prepared to take your own small claim action. If you do take a small claim action then your financial outlay will be fairly minimal and everything you do outlay will be recoverable – assuming that you win. On the basis of what you say, I would guess that your chances of success are much better than 90%. However, there is the issue that the dealer may try to challenge the value of the work you have had carried out because you didn't give him any advance notice. We will have to deal with this.  
    • So Guys, After sending the last letter as everyone else  here I got a reply from Moriartylaw with a statement that ADCB instructed them to act on their behalf and a copy of all my credit card bank statements. Not sure what to do now. They want me to respond and supply them with a list of asset and liabilities.    please the attachment of the letter. moriartylaw.jpeg.pdf
    • Okay, let me start again. In terms of planning, is it not enough to say they don't have it since it's not shown on the council site? If not, if I ring Stockport planning would they put in writing that there's no planning?   I could contact the land registry to find out who the land owner is. If I contact them directly maybe they'll tell me if they have a contract in place. If they ignore my request too then should I be doing other things to find this out?
    • I'm trying to work through this step-by-step as I read the story again. There was a dispute over a will in respect of your grandfather's house but the dispute was eventually abandoned and it seems that the house was apportioned to your mother and her brother who presumably were the only two children. The will was unsigned and so we could say that the house passed to the two of them under the rules of intestacy. You then decided to buy the house for £50,000 and presumably the money you paid was divided between your mother and your uncle – who were the owners of the house. This was in 1999. We talking about 20 years ago here and so in respect of most legal questions I would have thought that some limitation period applied. (However the issue of the trust has been raised – and this wouldn't be affected by limitation) However, presumably the house was bought at a proper value given the market at the time and any work that it needed doing. Presumably the house was properly conveyed. Although a lot of things have passed – including home improvements, tenancies et cetera, from the story you have told us, neither your parents nor your uncle have been involved in this at all. Now you have received a letter from your parents saying that the house is really theirs and that you have simply been holding it on trust for them and they now want it back. Is this a reasonable summary of what has happened?   Although you have written a fair bit about bills, tenancies, and that you have lived in your parents home for some of this 30 years, I'm not sure what relevance that has to the problem. I have to say that your explanation is very unclear. A bit rambling in fact. If you think that part of the story is relevant then maybe you'd like to express it all a little more clearly and say in what way you think it is relevant to the problem. You are much more familiar with the story then I am but I don't see that those factors are terribly important on the brief understanding that I have. if if any money is owed to your parents because of you having lived with them et cetera then it seems to me that that is a separate matter and has nothing to do with your ownership of the property. You say that you have received a letter from solicitors claiming first of all that there is a constructive trust or that you might be subject to a proprietary estoppel. In terms of the estoppel, that doctrine is only available in very particular circumstances and could not be used to attack you in any event. Estoppel, whether it is proprietary or promissory can only be used as a defence. So the question of estoppel in this situation is completely irrelevant, in my view, although I don't see any basis for one in any event. So what remains is the possibility of a constructive trust. It seems to me to be highly unlikely that there is such a trust and I think that the first question needs to be asked is on what basis they consider that there is a constructive trust. Secondly, of course, even if there was a constructive trust, on the basis of what you have told us, it wouldn't only be your mother who was the beneficiary, it would also be your uncle. Furthermore, if you were a constructive trustee then at the very least you would be entitled to recover all of the expenses that you had laid out over 30 years – including the cost of the property plus interest – less any financial benefit that you had accrued from renting it out and so forth. I'm not sure how good this analysis is. This is well out of my experience – but I would suggest that you consider it and see whether any of it rings true. I would also start making a very detailed account of all the money which you have spent over the years on the property and also a detailed account of all the benefits you have accrued from it. I wouldn't supply this to their solicitor but if you end up having to instruct your own lawyer then I'm sure that you may be asked for this if there is any suspicion that a constructive trust may exist. Frankly it sounds like a load of rubbish to me but we will be very interested if you will keep us up to date. So there you have it. No particular answers. Just a few unsupported and unqualified opinions    
    • Hello and welcome to CAG.   I agree with dx, hiring a lawyer is unlikely to help as most of them don't understand fare matters, so you end up paying for their learning curve.   Your idea about involving your GP is a good one, it sounds as if you need their input with how you're feeling. And if they would write a supporting letter that could help too. Hopefully your medical information will be through in time.   HB
  • Our picks

UKDomains

HPH2/cohen Claim form - Lloyds TSB overdraft***Claim Discontinued***

style="text-align:center;"> Please note that this topic has not had any new posts for the last 898 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

Dear All,

 

I've read numerous threads on here of people in a similar situation, and everyone seems to know exactly what to do. Me? Nope, I've turned to jelly and don't know what to do.

 

I received a County Court form on Friday. I've detailed more below:

 

Name of the Claimant ? Hoist Portfolio Holdings 2 Ltd

 

Date of issue – 30th August 2016

 

Date of issue - 30th August 2016

Date to acknowledge by - 19th September 2016

Date to submit defence - 30th September 2016

 

What is the claim for – the reason they have issued the claim?

 

1.The claim is for the sum of £419.13 in respect of monies owing pursuant to an overdraft facility under account number XXXXXX XXXXXXXX

The debt was legally assigned by MKDP LLP (Ex Lloyds Banking Group) to the claimant and notice has been served.

The defendant has failed to repay overdrawn sums owing under the terms and conditions of the bank account.

 

The claimant claims

1. The sum of £419.13

2. Interest pursuant to s69 of the county courtlink3.gif Act 1984 at a rate of 8.00 percent from the 18/05/2012 to the date hereof 1559 is the sum of £143.27

3. Future interest accruing at the daily rate of £ .09

4. Costs

 

What is the value of the claim? £692.40

 

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Overdraft

 

When did you enter into the original agreement before or after 2007? After 2007

 

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim.

Assigned to MKDP LLC originally, who seems to have then sold it on to Hoist Portfolio Holdings 2 Ltd

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes, from Lloyds to MKDP LLC, not to Hoist.

Did you receive a Default Notice from the original creditor? No.

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not sure, I don’t think so

 

Why did you cease payments? At the time numerous Payday lenders were raiding the account, I requested help from Lloyds TSB (verbally), they refused to help, I abandoned the account beginning 2011, charges from payday lenders' activities causing bank account to go overdrawn started to rise. (If I recall correctly, by overdraft limit was £100). Lloyds TSB started chasing me on phone, I complained that I had requested help, that the amount was purely bank charges - Lloyds TSB not interested, just wanted payment.

 

What was the date of your last payment? Approximately June 2011.

 

Was there a dispute with the original creditor that remains unresolved? Yes, a verbal one though.

 

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt managementlink3.gif plan?

No plan entered into with them. Had spoken to them on the phone, they were not interested, just wanted payment for the overdrawn fees.

 

My bank account was being raided,

I changed banks as Lloyds TSB were refusing to stop the payday lenders from raiding the account,

everytime a payday lender would raid it,

it would go over limit,

then Lloyds TSB refunded the payment,

added their overdrawn charge on it,

pushing it back overdrawn, then they'd add more interest and more overdrawn fees.

 

I really don't know what to do here now.

I'm about 11 months away from having all traces of payday lenders off my credit file,

13 months away from my last default falling off.

I can really do with not having a CCJ on my hands.

 

It makes me so sad/angry how after all these years, payday lenders have come back to bite me in the behind.

 

So, I have a few options if I wanted to pay them:

 

1. I'm getting my annual bonus at the end of September.

I could pay them (Would it be for the total of £692.40?) This would result in no CCJ.

 

2. Perhaps a Tomlin order? How would I request this?

 

3. Defend? I don't really have anything to defend do I?

 

4. Option 4? Is there one?

 

I'm going to be reading even more on the forum, but I'm lost. I'd really appreciate some advice/help.

 

Share this post


Link to post
Share on other sites

well do the usual anyway

 

ack the claim on MCOL website

defend all

leave jurisdiction unticked

 

get a CPR31:14 for a current account running to cohens

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Ok.

 

1. AOS done on MCOL website. Defend all, juristiction unticked.

2. CPR 31:14 completed, printed, posted.

Share this post


Link to post
Share on other sites

Hi all, heard nothing back yet from Howard Cohen.

 

What are my next steps?

Share this post


Link to post
Share on other sites

nothing

just don't miss defence filing date whatever happens or not

plenty of threads here to read

noticed you don't appear to have read any overdraft claimform threads to research things yet?

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Hi dx, have read a few. Mostly on my phone which isn't logged in.

 

Are they allowed to change the default value? My newest credit report now shows £692.40 instead of £419. The £692 consists of the principal, interest and costs.

Share this post


Link to post
Share on other sites

Not worth worrying about at this stage

Quite usual for them to backdate the int to assignment date

 

If its OK is another matter


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Ok, down to crunch time. Been away last week for week. by my calculation the 33 days will be on Saturday 1st of October, so I'm assuming final date for defence will be tomorrow.

 

their POC:

 

What is the claim for – the reason they have issued the claim?

 

1.The claim is for the sum of £419.13 in respect of monies owing pursuant to an overdraft facility under account number XXXXXX XXXXXXXX

2.The debt was legally assigned by MKDP LLP (Ex Lloyds Banking Group) to the claimant and notice has been served.

3.The defendant has failed to repay overdrawn sums owing under the terms and conditions of the bank account.

 

The claimant claims

1. The sum of £419.13

2. Interest pursuant to s69 of the county courtlink3.gif Act 1984 at a rate of 8.00 percent from the 18/05/2012 to the date hereof 1559 is the sum of £143.27

3. Future interest accruing at the daily rate of £ .09

4. Costs

 

My defence:

 

The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.

 

1. Paragraph 1, I accept that I have held a current account with Lloyds TSB. I have not serviced this account since early 2011 due to the punitive charges and interest being applied which made the account untenable and impossible to facilitate. The amount claimed is far in excess of any agreed overdraft limit with Lloyd's Bank.

 

I deny that the account exceeded an agreed overdraft limit due to overdrawing of funds and claim that this is a result of unfair and extortionate bank charges/penalties being applied to the account. I had verbally requested on numerous occasions to cancel existing continous payment authorities various payday lenders had in place (CPA's) but Lloyds TSB refused to do this.

 

These charges were made up of purely bounced payment attempt charges, unauthorised overdraft fees and interest on this. It is therefore denied that I am indebted for any alleged outstanding residue.

 

It is further contended that neither Lloyds nor MKDP served notice of assignment.

 

With respect to failing to repay sums under the terms and conditions of the account, Lloyds failed me as a client when I requested help and I maintain that Lloyds were in breach of their own terms and conditions in not helping me as a client when help was requested.

 

OK, any thoughts? Had no idea really what to defend, and hoping this might be a holding defence.

 

Howard cohen have not responded to my CPr request.

Share this post


Link to post
Share on other sites

We prefer you stick to the tried and tested versions...post#16

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?469292-PRA-Claim-Form-HSBC-current-account-OD

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

That's why you guys are the experts :)

 

Ok, revised version:

 

Particulars....

 

1.The claim is for the sum of £419.13 in respect of monies owing pursuant to an overdraft facility under account number XXXXXX XXXXXXXX

2.The debt was legally assigned by MKDP LLP (Ex Lloyds Banking Group) to the claimant and notice has been served.

3.The defendant has failed to repay overdrawn sums owing under the terms and conditions of the bank account.

 

The claimant claims

1. The sum of £419.13

2. Interest pursuant to s69 of the county court Act 1984 at a rate of 8.00 percent from the 18/05/2012 to the date hereof 1559 is the sum of £143.27

3. Future interest accruing at the daily rate of £ .09

4. Costs

 

Defence

 

The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.

 

1. I accept that I have held a current account with Lloyds TSB. I have not serviced this account since mid-2011 due to the punitive charges and interest being applied which made the account untenable and impossible to facilitate. The amount claimed is far in excess of any agreed overdraft limit with Lloyd's Bank. I deny that the account exceeded an agreed overdraft limit due to overdrawing of funds and claim that this is a result of unfair and extortionate bank charges/penalties being applied to the account. It is therefore denied that I am indebted for any alleged outstanding residue.

 

2. Paragraph 2 is denied I have never been served a Notice of Assignment in accordance with s.136 Law of Property Act 1925.

 

3.Paragraph 3.......???

 

4. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed before even considering adding section 69 interest which I understand is at the courts discretion.

 

The claimant is also put to strict proof to:-.

 

(a) Provide a copy agreement/facility arrangement along with the Terms and conditions at inception, which this claim is based on.

(b) Provide a copy of the Notice served under 76(1) and 98(1) of the CCA1974 Demand /Recall Notice and Notice of Assignment.

© Provide a breakdown of their excessive charging/fees levied to the account with justification.

(d) Show how the Claimant has reached the amount claimed.

(e) Show how the Claimant has the legal right, either under statute or equity to issue a claim.

(f) Show how they have complied with sections III & IV of Practice Direction - Pre-action Conduct.

 

5. On receipt of this claim I requested documentation by way of a CPR 31.14 request, which was received by the Claimant on the 19/9/2016. The Claimant has failed to comply with this request. Therefore the claimant in their non compliance to my requests have frustrated my attempts to clarify their claim and against pre action protocol should be considered when the question of costs arise.

 

6.By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

 

Question:

 

Does this defence cover the section of the POC where it states: The defendant has failed to repay overdrawn sums owing under the terms and conditions of the bank account.

Share this post


Link to post
Share on other sites

" Does this defence cover the section of the POC where it states: The defendant has failed to repay overdrawn sums owing under the terms and conditions of the bank account. "

 

No you have to edit to suit your particulars...you have not made a response to their point 3.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Right,let's try again. After reading numerous Howard Cohen claim forms I've come up with the following:

 

 

1.The claim is for the sum of £419.13 in respect of monies owing pursuant to an overdraft facility under account number XXXXXX XXXXXXXX

2.The debt was legally assigned by MKDP LLP (Ex Lloyds Banking Group) to the claimant and notice has been served.

3.The defendant has failed to repay overdrawn sums owing under the terms and conditions of the bank account.

 

The claimant claims

1. The sum of £419.13

2. Interest pursuant to s69 of the county courtlink3.gif Act 1984 at a rate of 8.00 percent from the 18/05/2012 to the date hereof 1559 is the sum of £143.27

3. Future interest accruing at the daily rate of £ .09

4. Costs

 

 

Defence

 

The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.

 

1. Paragraph 1. I accept that I have held a current account with Lloyds TSB. I have not serviced this account since mid-2011 due to the punitive charges and interest being applied which made the account untenable and impossible to facilitate. The amount claimed is far in excess of any agreed overdraft limit with Lloyd's Bank. I deny that the account exceeded an agreed overdraft limit due to overdrawing of funds and claim that this is a result of unfair and extortionate bank charges/penalties being applied to the account. It is therefore denied that I am indebted for any alleged outstanding residue.

 

2. Paragraph 2 is denied I have never been served a Notice of Assignment in accordance with s.136 Law of Property Act 1925.

 

3.Paragraph 3 is denied and reiterate my response as above any amount claimed is far in excess of any agreed overdraft limit with Lloyd's Bank. Any alleged balance claimed is a result of unfair and extortionate bank charges/penalties being applied to the account. It is therefore denied that I am indebted for any alleged outstanding residue.

 

4. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed before even considering adding section 69 interest which I understand is at the courts discretion.

 

The claimant is also put to strict proof to:-.

 

(a) Provide a copy agreement/facility arrangement along with the Terms and conditions at inception, which this claim is based on.

(b) Provide a copy of the Notice served under 76(1) and 98(1) of the CCA1974 Demand /Recall Notice and Notice of Assignment.

© Provide a breakdown of their excessive charging/fees levied to the account with justification.

(d) Show how the Claimant has reached the amount claimed.

(e) Show how the Claimant has the legal right, either under statute or equity to issue a claim.

(f) Show how they have complied with sections III & IV of Practice Direction - Pre-action Conduct.

 

5. On receipt of this claim I requested documentation by way of a CPR 31.14 request, which was received by the Claimant on the 19/9/2016. The Claimant has failed to comply with this request. Therefore the claimant in their non compliance to my requests have frustrated my attempts to clarify their claim and against pre action protocol should be considered when the question of costs arise.

 

6.By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claime

Edited by Andyorch
Edited

Share this post


Link to post
Share on other sites

3.The defendant has failed to repay overdrawn sums owing under the terms and conditions of the bank account.

 

3.Paragraph 3 is denied, the claimant has failed to provide any evidence of agreement/contract/breach as requested by CPR 31.14

 

Isnt that changing the subject ? :-D


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

yes, you're right. Sorry I'm floundering a bit here, totally out of my depth. Would the following do?

 

3. Paragraph 3 is denied, the claimant has failed to provide any evidence of said terms and conditions or failure to repay overdrawn sums

as requested by CPR 31.14

Share this post


Link to post
Share on other sites

Still not a valid response in all honesty.......

 

To put it in simple terms they are accusing you of defaulting and failing to pay back the overdraft...so your response needs to negate the accusation and the reason why its not been paid back.

So I was simply refer them to your point 1.

 

You dont intend to pay a balance that is simply made up of unfair charges and interest...a balance that in the main is of the banks own making ?

 

So how about....

 

Paragraph 3 is denied and reiterate my response as above any amount claimed is far in excess of any agreed overdraft limit with Lloyd's Bank. Any alleged balance claimed is a result of unfair and extortionate bank charges/penalties being applied to the account. It is therefore denied that I am indebted for any alleged outstanding residue.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Aaaaaaah! Now I know what you mean. Hah, been trawling around forum trying to find suitable answer.

 

So with that in place you think suitable for a defence?

 

Plus I've already sent off a SAR to Lloyds as well.

Share this post


Link to post
Share on other sites

Thank you so much for your help Andy, it makes a lot more sense than my attempt.

 

As day 33 is tomorrow, I will be filing defence shortly.

 

Bah got stuck in traffic, does it matter that I filed defence at 16:08, as day 33 is tomorrow? Tomorrow is Saturday, so they'll only process on Monday?

 

Actually I think I might be safe:

 

If the order is silent on time you can still serve after 4pm personally or electronically up until 4.30pm on that business day (CPR 6.26).

Share this post


Link to post
Share on other sites

no you'll be ok till midnight as its not due today AFAIK.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

I received an acknowledgement from the courts that my defence had been submitted, and that Cohen had 28 days to respond from the service of my defence otherwise it would be stayed.

 

When does that 28 days start? Do they also get 5 days from defence submitted date, or the date I submitted? I'm trying to work out how long they have to respond.

Share this post


Link to post
Share on other sites

day you filed defence


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites
I received an acknowledgement from the courts that my defence had been submitted, and that Cohen had 28 days to respond from the service of my defence otherwise it would be stayed.

 

When does that 28 days start? Do they also get 5 days from defence submitted date, or the date I submitted? I'm trying to work out how long they have to respond.

 

Yes 33 days including service of the defence.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Hi all, just another update and need some help now.

 

Received in the post "Notice of Proposed Allocation to the Small Claims Track" (Looks almost like this is Howard Cohan's cover letter, as it says on it "A copy of the defence has already been sent to you bu the defendant")

 

Attached to this is the DQ.

 

Please check if I have this all correct:

 

I complete A1 with a tick saying yes I agree to mediation.

Complete section B with all my details

C - acknowledge small claims track is appropriate

D1 Hearing Venue - ??? Enter my closest County court?

D2 - Don't have any expert witness so I say NO?

D3: enter 1 (myself)

D4: let them know the days I'm not available (I have a lot of time I'll be out of the country)

 

Now what do I do? Howard Cohan never responded to my CPR request (I have a copy of them receiving and singing for letter)

 

Do I just complete form and send in tocourts, send a copy to Howard Cohen and wait?

Share this post


Link to post
Share on other sites

no you both get a copy of the same form

 

fill out you part

send it to the court

 

yes to mediation

the rest is obv


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

" Do I just complete form and send in to courts, send a copy to Howard Cohen and wait? "

 

Yes and the claimant should reciprocate UK.

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...