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Hi folks, just thought I'd let you all know that I claimed against LTSB via Moneyclaim Online in England for total amount of £4700. I have just rec'd offer of full settlement today. I live in Edinburgh and thought I'd claim through the English courts as the small claim limit there is £5000. Claiming a number of times (£750 a time) through the Scottish courts didn't appeal to me.

I hired an English address for correspondence (mail boxes etc) but still put my home address on the claim form, you can do this as long and you put your English address in the correspondence address section. It is a rule that all claimants must have and English or Welsh address for service of documents.

Anyway LTSB did not contest this, and in fact, all letters i rec'd from SCM (LTSB Solicitors) were address directly to me at my home address in Scotland.

Just thought I'd let you know in case anyone in Scotland thinks they can’t claim via the English courts, WELL YOU CAN.

  • Haha 1

RBoS:(£570): *** WON *** £570 settled in full - HERE

Lloyds TSB: ** WON **

Abbey: S.A.R - sent 02/10/06, 14/11/06 statements rec'd & partial offer (30%), declined, LBA sent 26/11/06

Studio Catalogue: S.A.R - sent 02/10/06, Prelim sent 21/11/06, won £94.95 refunded.

Capital 1: S.A.R 02/10/06, off’d diff between £20 and £12, declined 21/11/06

A&L: S.A.R -02/10/06, prelim sent 21/11/06, rejected, LBA sent 26/11/06.

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RBoS:(£570): *** WON *** £570 settled in full - HERE

Lloyds TSB: ** WON **

Abbey: S.A.R - sent 02/10/06, 14/11/06 statements rec'd & partial offer (30%), declined, LBA sent 26/11/06

Studio Catalogue: S.A.R - sent 02/10/06, Prelim sent 21/11/06, won £94.95 refunded.

Capital 1: S.A.R 02/10/06, off’d diff between £20 and £12, declined 21/11/06

A&L: S.A.R -02/10/06, prelim sent 21/11/06, rejected, LBA sent 26/11/06.

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Congratulations ehstevie,

Great feeling isn't it... Putting your post here will also help us Scots to make a difficult choice between which route to take..

Thanks

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Secondly could you tell me howyou go about "hiring" an English address. My charges plus interest are for over £2500 so id rather do it all in a oney than split it into lots of small claims. Thanks

 

 

Hi Lola, I hired an address from mail boxes etc in Preston (http://www.mbe.uk.com/091/), i found this to be the ''most normal'' address, lol. Anyway, it cost me £60 for 3 months, plus a £20 deposit, deposit is used for cost of forwarding any mail onto your home address, £2.50 a time, but your not going to get that many letters anyway. Actually LTSB Solicitors sent all letters to my home address, it was only the court stuff that went via hired address. You can put a couple of names on the same address, so if you know anyone else wanting to do this then you could split the cost. Remember though, if you do have to go to court you may have to travel south, although i managed to get my case transferred to Carlisle court before i got settled. Also, these cost are not recoverable, however, I was willing to accept this as in my case, it far outweighed the thought of going through the Scottish courts numerous times. Hope this helps.

  • Haha 1

RBoS:(£570): *** WON *** £570 settled in full - HERE

Lloyds TSB: ** WON **

Abbey: S.A.R - sent 02/10/06, 14/11/06 statements rec'd & partial offer (30%), declined, LBA sent 26/11/06

Studio Catalogue: S.A.R - sent 02/10/06, Prelim sent 21/11/06, won £94.95 refunded.

Capital 1: S.A.R 02/10/06, off’d diff between £20 and £12, declined 21/11/06

A&L: S.A.R -02/10/06, prelim sent 21/11/06, rejected, LBA sent 26/11/06.

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Thank you, yes, that was really helpful.

 

I have a sister in law down south but dont know if it would be too cheeky to ask to use her address so your idea would be my back up plan ! sorry to be a pain but roughly how many letters came from the courts then ? If it was only gonny be a couple i think i would ask my sister in law but i wouldnt want to be a pain or cause her too much inconvenience forwarding stuff on.

 

The small outlay for the "hired" address would certainly be worth it to people with no-one to use if it was a large claim, to get it all done at once.

 

thanks again.

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You'll get a letter from the court at each stage of the claim, I thin I rec'd about 5 in total. As I said, LTSB Solicitors sent claim direct to me but even then I think I only rec'd 2 letters from them.

Def try and get your sister to help you out. It is only an address for correspondence to be served, nothing more.

  • Haha 1

RBoS:(£570): *** WON *** £570 settled in full - HERE

Lloyds TSB: ** WON **

Abbey: S.A.R - sent 02/10/06, 14/11/06 statements rec'd & partial offer (30%), declined, LBA sent 26/11/06

Studio Catalogue: S.A.R - sent 02/10/06, Prelim sent 21/11/06, won £94.95 refunded.

Capital 1: S.A.R 02/10/06, off’d diff between £20 and £12, declined 21/11/06

A&L: S.A.R -02/10/06, prelim sent 21/11/06, rejected, LBA sent 26/11/06.

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This is great news! Ive been wondering how easy it would be to do this, and also if the banks would contest it.

 

I have freinds in England so will ask if I can use their address (Im sure it will be ok) and they can forward any mail onto me. (If and when I get to that stage!)

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