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49kirk v HBOS - Court action starts today


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Yesterday was the 14 day after I had sent my LBA and received nothing from them.

I contacted them, which took about 40mins to get through only to be told that they have until the 10th April to get things sorted. I told them that I am not taking that chance and will be starting court proceedings. The woman on the other end was like fine

Wen to the court and since we are in Scotland. I have to claim twice once through the summary clause system and then the small claims for the rest.

The question I am asking is can I do both at the same time and someone else take it into the court to pay the fee? Also how long do the banks have to reply?

I am so nervous which they had just made me an offer

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