dylon vs the woolwich

[dylon]

Thanks Advoc8 the spreadsheet was a bit scary,but I got it sorted after lots of mistake's looks good very impressive Thanks again.

[Advoc8]

No problem, hope all goes smoothly.

[dylon]

Do I need the list of charges the woolwich sent to me for court,as I have got highlighter pen over them when I was adding up the charges??

[Advoc8]

You do, but don't worry about the highlighter.

[dylon]

I have filed my claim on line,I am about to a letter to barclays saying thanks but no thanks I got the letter from the templates library should I include my spreadsheet with this?

[sparklydayz]

It`s not necessary - I didn`t

[dylon]

Thanks alot sparklyday2 I have been reading other threads on this wonderful site it all sounds very hopeful I shall keep everyone updated.

[dylon]

Thank you also Advoc8 for your reply on 3.3.07

[dylon]

I have included the interest as my total amount on my claim to the court is this correct??

[Michael Browne]

I have included the interest as my total amount on my claim to the court is this correct??

Yes

[dylon]

Thanks Michael how long does the process take roughly?

[Advoc8]

Thanks Michael how long does the process take roughly?

 

Your claim is deemed served three? (can't remember - might be 4) days after you file it with Moneyclaim - that means that the bank is assumed to have received it by then.

 

The bank then has 14 days to acknowledge your claim (tell the court they've got it and they'll be defending), submit a defence or admit they owe you.

 

They will probably just acknowledge the claim.

 

Approximately 14 days after that they will most probably submit a defence. If they don't you can apply for default judgment through moneyclaim but they don't often forget to defend.

 

After that you'll be sent an allocation questionnaire from the court - it could take a week or two or longer depending how busy everything is. The claim will also be transferred to the court nearest your home and will no longer be managed via the online system.

 

There are threads on completing allocation questionnaires, but best to look at these when you've the questionnaire in your hand as the approach to completing them is changing as time goes by and different tactics are tried.

 

At some point after you've returned the questionnaire you'll get a trial date. This could be weeks or months after the questionnaire.

 

Two weeks before the trial you send your bundle of paperwork (there is comprehensive guidance on this in the templates library - just don't throw anything away!) to the court and the bank.

 

The bank will probably settle with you days before the trial date.

 

I'd assume it'll take about 4 months to get your money. It may take less time, but it all depends how busy the courts are.

[dylon]

Thanks yet again Adoc8 it's good to know that there are people out there who give up thier own time to help others thanks again

[welshcakes]

Surely the bank will realise you are splitting the claim (they would know if you are owed over 5k but only making a court application for £4999 that you intend to take them to court twice) - knowing that they would potentially have to double their admin/legal fees for dealing with one customer, it would make more business sense for them to get 'rid' of that customer asap by a quicker payout?

 

Sorry, long winded sentences there but do you see where I'm going? It might (ironically) speed up the process if you split it.

[Advoc8]

I see your point, though I suspect they're under instructions not to offer more than is asked at any one time.

[dylon]

Thanks for the reply welshcakes,but I'ave already filed my claim at court don't want to upset them as I what it dealt in the small claim's court.

[dylon]

Do I send my court bundle to barclay's now or wait until they offer their defence and if so do I send a bundle to northampton or wait until allocated to my local court?

[Michael Browne]

See Advoc8's post# 37

[GuidoT]

No need to send court bundle until directed by the judge. You are a few months away from this, if indeed you need to at all - if the bank settles prior to then.

[dylon]

Cheers Guido T you don't mean I'ave wasted all that paper let's hope I have thanks again

[dylon]

I have been on mcol to see if there was any news about my claim, do I click on "The defendant has not filed an admission or defence claim (Judgement by default) anyone please?

[Advoc8]

I think you filed on or about the 4th March? If so there's no point applying for default judgment until either 15 days after the claim was served (you've had a letter telling you when it was deemed served) if there's no acknowledgement, or 29 days after it was deemed served if they acknowlegde.

 

In other words, don't click:)

[dylon]

Thanks Advoc8 barclays have until the 25th of march to reply.

[Advoc8]

Chances are they'll put in a last-minute acknowledgment and a last-minute defence 2 weeks later.

[welshcakes]

Just checking, has Woolwich ever been reported as having taken it all the way to full hearing?