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    • Could you post up the letter, with your personal info and their reference covered up, please? It should say Letter of Claim, but let's have a look just in case. HB
    • I know dx, a lot of it was my partner and how she felt about it. I also appear to be addicted to my credit file being clean. I still worry for my partner she has too much on as it is, but I am ensuring I manage both of ours so She can forget about. i guess in terms of time I bet masses are defaulting with this economy as it is right now and high interest rates might be the only thing going for me right now. I guess  I’ll find out
    • Please see below for an extract from the letter more about my case.    You have been convicted of two matters of failing to give driver details linked to two speeding offences and been disqualified in your absence. You confirmed that you did not receive the court documentation and the first you knew about the cases was on 3/6/24. As you can make a statutory declaration it is possible that we will be able to persuade the police to accept pleas to either or both of the speeding offences as they were committed within a very short space of time and withdraw the two fail to give driver details offences as normally if you plead to one or other of the speeding or fail to give driver details the prosecution will withdraw the other related offence. If successful you would not face a totting ban. In respect of the speeding offences, it could be argued they were committed on one occasion due to the proximity of the time and location and we may be able to persuade the prosecution to drop one of the speeding offences. You are technically guilty of all the offences because you accept it was you driving when the speeding offences were committed and that you did not update your change of address with the leasing company when it was your responsibility. If the prosecution will not withdraw the two failures to give driver details offences, you will face a totting ban but will be able to put forward an exceptional hardship argument. This may or may not go ahead at the court hearing date, so we need to prepare for all eventualities. As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge. The court have dealt with the matter very quickly and have actually listed your matter for an application to suspend the disqualification pending appeal on the above-mentioned date. We could actually use this date to make the statutory declaration in court having explained the situation to the magistrates and then see if the prosecution will agree to accept pleas to one or both of the speeding offences as a way of resolving the matter without the need for you to put forward an exceptional hardship argument. It is possible the case would need to be adjourned so that we can make those representations, or the court may want to go ahead and hear the exceptional hardship argument. The outcome of your case is always at the discretion of the Court.  
    • Hi,    I will look over your case shortly.   I am sorry for the delay.
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No defence recieved


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I issued claim against A & L, served to them on 21/04/06. Shortly after recieved notice that they intend to defend and as of today I have not received the particulars of their defence or the so called allocation questionnaire. The allowed 28 days from date claim served in which to file defence has lapsed.

 

What do I do now?! Apply to the Court to enter judgment by default against A&L?

 

Help please...

 

Wez

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Yep ;-)

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Thanks Dave,

 

And the implications...I have read FAQ's and this aspect not covered. Is judgment by default what banks would generally like to avoid and therefore I am shafting them; I take I have essentially won my claim?

 

I am now concerned what should happen if they do not pay up, is there time limits for them to pay up, is it feasible that at some stage I will have to instruct bailiffs to remove property?!!

 

Wez

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If you apply for judgment and you get it, I suggest that whatever you do that you don't tell the bank that you have got it.

 

They few people have then written to the bank or telephoned them and told them that they now have a judgment.

 

You just bide your time, wait seven days, and then apply for a warrant of execution and this will instruct the bailiffs to go in and get your money. You've been through all the hard work of getting your judgment you may as well now have a little bit of fun at the bank's expense.

 

If you let the bank know in advance that you have a judgment then they may well simply trying to get the judgment set aside and cause you more work. Although if you get warrant the bank may still apply for the set-aside and least you have got them on the back foot

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Thanks Bankfodder,

 

'...try to get judgment set aside and cause you more work...' How can they do this if they have filed no defence or made an admission? Do you mean if they are aware of judgment and if they are quick they can file defence on same day which will take precedence over my entry for judgment?

 

What more work? If my assumption is correct above and defence is filed (ie judgment set aside) then surely next step is court hearing (is this the extra work?).

 

Cant understand how after Warrant of Execution judgment can be set aside - whats the point of judgment by default then!?

 

FAQ's and MCOL guides dont cover this! Help...

 

Wez

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Settled Claims:

Abbey: £4025 Claimed 27/02/06 - Paid in full 19/06/06

NatWest: £4529 Claimed 10/05/06 - Paid in full 1/08/06

Halifax: £1150 lba 18/05/06 - Paid in full 07/06/06

Natwest CC: £420 Initial letter 25/07/06 - Paid in full 08/06

Woolwich: £1100 Paid in full 28/2/07 + Default removed

NatWest Pt 2: £1700 Claimed 10/05/06 - Paid in full 7/2/07 + Defaults removed

 

Current Claims:

Abbey Pt 2: £2300 + adverse credit removal claimed 23/03/07

Alliance & Leicester: £1421 + adverse credit removal claimed 23/03/07

 

Refunds pending:

Capital Bank: Swift Advances: Halifax

 

Son's Refunds pending:

Abbey: HSBC

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Dear Whizzkid,

 

Quite a story and it seems that you are quite the celeb! Best of luck!!

 

It still bothers me though how a set aside can happen (I take it there MUST be some valid reason, i.e in your case they claimed not to have received the letter of claim).

 

Will be applying for judgment by default on Monday (28th day today and not yet elapsed) and then keep very quiet...

 

Any words of advice in the meantime...?

 

wez

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Just keep your resolve & stick to your guns! Don't let them intimitdate you!

Settled Claims:

Abbey: £4025 Claimed 27/02/06 - Paid in full 19/06/06

NatWest: £4529 Claimed 10/05/06 - Paid in full 1/08/06

Halifax: £1150 lba 18/05/06 - Paid in full 07/06/06

Natwest CC: £420 Initial letter 25/07/06 - Paid in full 08/06

Woolwich: £1100 Paid in full 28/2/07 + Default removed

NatWest Pt 2: £1700 Claimed 10/05/06 - Paid in full 7/2/07 + Defaults removed

 

Current Claims:

Abbey Pt 2: £2300 + adverse credit removal claimed 23/03/07

Alliance & Leicester: £1421 + adverse credit removal claimed 23/03/07

 

Refunds pending:

Capital Bank: Swift Advances: Halifax

 

Son's Refunds pending:

Abbey: HSBC

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Dear All,

 

Alliance & Leicester settled my claim the next day in full, cheque received with usual '...not an admission of liability...' and '...we will contact you regarding your account as it is clear you do not accept the terms and conditions...' They have only just saved themselves some embarrassment.

 

Off to sue HSBC now.

 

Thanks

 

Wez

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Result!! Way to go!!

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 12 years later...

This topic was closed on 10 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

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