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Christmas timing in our favour?


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Can't see this question posted elsewhere?


Just about to file my N1 against Lloyds TSB for £4488.55 including interest and I'm thinking about the 14 days they have to acknowledge, and the effect of this over the Christmas period.


Thinking of waiting til say next Weds 20th before submitting my claim to stand the best chance of winning by default due to overworked staff & solicitors being understaffed at this time of year.


Or perhaps they could use this 'excuse' to get a judgement set aside?


Any thoughts appreciated!

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Regardless of the timing if they applied for a set aside for a judgement by default they will likely have a good reason to.


The Way the courts work allows the courts the flexibility to alter or extend time frames for any reason they care to.


in practice what this boils down to is it would be better to allow both sides to present their cases than enter a judgement by default and give rise to an appeal.


On this basis the appeal against the default judgement would likely be agreed by the courts.


In reality of course it only gives the bank a bit longer to avoid paying out unless they actually decide to defend.





Kick the shAbbey Habit


Where were you? Next time please



Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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