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    • 1. yes, no.   2. please list your debts   what type of credit when you took it out who owns the debt a DCa or the original creditor. who you are paying now amount owed   why are you blindly paying any debt owned by a dca? without sending a CCA request ?   you dont need anyone to manage your debts  do it yourself!!          
    • no just std court practice in a claim... an N157 which you must abide by, by doing a witness statement 14 days before the date specified.    
    • Hello everyone  a couple of questions please    1) I’ve a default from June 2017 ( it was a hitachi loan but then sold on to the Cabot financial. I’ve been paying £15 a month for a while but if I decided to stop paying them, will they default still drop off in June 2023 or can Cabot add a default from when I last stopped paying ?   2) As I have several creditors I’m struggling to be able to pay some, and others are manageable only just. However it’s very hard for me to keep an eye on how much each one needs to be paid every month. so I’m asking.does anyone know if is there any kind of organisation where they will take one payment from me and pay the companies with the money I paid.  i know there is step change but some of the accounts are not yet In trouble but are maxed limits.   3)      
    • Hi   The GodMother is absolutely correct you need to stop dealing with this by phone as you now need to keep a good paper trail of everything that is happening with this dispute of you requiring removal of this scaffolding.   You have tried to be amicable with both the Roofing Company and the Scaffolding Company employed and your wish that this scaffolding is removed from your property.   You need to put everything in writing and ensure to keep copies of everything and either get free proof of posting from the Post Office or send it tracked signed for.   I would do a letter along the lines of but please wait for others to advise before sending this to see there opinions: (feel free to amend to suit your needs) Your Address   There Address   Dear Sir/Madam   Formal Complaint   Reference: Scaffolding at (insert Property Address)   To date I have been in contact with both Cardinal Roofing and Spot On Scaffolding requesting the removal of this Scaffolding from my Property. So far this has not been complied with and specifically when I contacted Spot On Scaffolding for the removal of this Scaffolding the tone of the individual I discussed this matter with was disgraceful and abusive.   To that end and just to be completely clear on this matter note the following:   1. I now fully withdraw any consent for this Scaffolding to be on my Land/Property from the dat of this letter.   2. I now class this Scaffolding as an Invasion of Privacy / Nuisance and Trespass.   3. I will charge £50 per day Storage Fee / £100 per day Nuisance and £100 per day Trespass this does not include if I have to employ another company to dismantle and remove this scaffolding and any other extra costs involved which will be applied.   4. I also note with HSE that you are required in order to comply with HSE legislation you are liable to ensure the scaffolding installed at my property is safe, Regular checks and notices need to have been applied since it’s installation on 7th April 2022 which in my view you have failed to comply with as there have been no regular checks of this scaffolding since installation.   5. Should you fail to remove the scaffolding, the Torts (Interference with Goods) Act 1977 allows me to sell goods left at my property. The Act states I must serve notice stating my intention to dispose of the items, how you can arrange collection, and that disposal of the items will not begin until the notice has expired.   I am now also giving you notice in accordance with that Act to remove the abandoned scaffolding from my property within the next 14 days of this letter.   I look forward to your resolution in this matter of removing this scaffolding from my Property. Signature CC:   Spot On Scaffolding (add full address here)   Cardinal Roofing (add full address here)   You then send a copy of the above letter to both Spot On and Cardinal.  
    • Important update !!   HI guys received an important letter from the court please see the attachment.   Is this a partial victory?     Ccbc.pdf
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Bos/Halifax, English & Scottish Courts????


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Good morning to you all. New boy here.


Bit long winded but please bear with me.


1) HALIFAX (£275.00), I see the main head office address is being banded around a lot, but we have written to our local branch, and been given the usual "sorry youre not happy, but read out rems etcetc" but at least they have acknowledged it I suppose. When we come to instigate court proceedings do we carry on using the branch or is it better to go through the head office in Halifax ?


2) Bank of Scotland. (£1200.00)

We live in England, but our account/head office is in Edinburgh. Do we use the english courts (Moneyclaim etc) or is it by way of "Summary Cause" through the Scottish courts, as the defendant lives in Scotland ?.


I got really confused as they have merged, but we have been stiffed for charges when they were seperate entitys and as a merged bank.


Im sorry if this is asking the bleeding obvious, your website is brilliant and FULL of really good advice, but its taking a while to trawl through it all.


Thank in advance guys..

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Hi and welcome to the forum Grantdl.

I would use the Trinity Rd address for the Halifax from now on. the RBOS can be claimed in England as that is where you reside. I would also personally use a manual N1 form as well and not the mcol.. its just a personal choice.

Some useful links..



Step by Step Guide




A-Z Guide to stuff


How to Start a Thread



Letter Templates


Rejection of Settlement/Goodwill Gestures


Interest Spreadsheet


Contractual Spreadsheet

http://upload2.net/page/download/KH5DXXfx6GF1KzW/Copy+of+16_Throughout_cla im_with_compounded_contra ctual_interest.xls.html

Court N1 form


Court Bundle


Preparing a Court Bundle


Bank Contact Details


Moneyclaim Online


AQ Guide to Completion



Court Fees


Data Prot Act Non Compliance


ERC Letter for Mortgages


Witness Statements for Court Bundle


Banking Code website


Limitations Act


fast track costs


Scottish Procedure


Scottish Forum


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