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    • please complete this: and post up the defence you filed too    not sure where you got that from... is this the same issue? Logging on to MCOL - is the site down? - Financial Legal Issues - Consumer Action Group  
    • thanks for bothering to update us after all the free help.... dx  
    • Hi all,  I really need to start my own thread on this Claim with Overdales/Lowell for a Cap One debt. but have already got to this stage .. My initial question for the moment - until replies come in - is that I figure my main stance is that a purchased debt cannot be claimed, debts can only be claimed by the original issuer of the debt .. but mediation is about coming to an agreement. would I be acting in bad faith if I enter into mediation yet not seeking to come to a financial agreement? Also, I need to reject the scheduled time slot and ask for another as I'm not going to be free during those hours. The wording of the email gives the impression that I am given this one slot and if I reject it, then I am rejecting mediation - there is no mention of rescheduling, only of freeing up the slot for others .. although, I would have thought it would say so, if there were no possibility to reschedule.. Can I ask for another date without issue? I am happy to post up my defence and start a proper thread? I had a lot on at the time and had to do things right away due to the time limits, so didn't feel I had time to come here and go back and forth for info, put my defence together from reading through relevant threads, late at night. CCA request appears to have been fulfilled (I'm still to check the accuracy of the documents). The other thing, asking solicitors about the particulars of the claim, hasn't .. although I forgot to ask for proof of postage and didn't send recorded post either (whereas the CCA I did), so not sure if I can pursue that easily ..?  
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Urgent - Assistance Reqd - welshuser v Lloyds


welshuser
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I went to court last week re my bank charges against Lloyds and won. Lloyds had nobody there to state their case and judgement was given in my favour. Now, today ive had a letter from the court as below and am worried about what I need to do or what is happening as I thought I had won the case (told that at the time by the Judge).

 

GENERAL FORM OF JUDGEMENT OR ORDER

 

Before HIS HONOUR ******** sitting at *********

 

Upon hearing the claimant in person and Counsel for the defendant

 

IT IS ORDERED THAT

 

1 Unless the Claimant do by 4.00pm on the 20th of April 2007 serve and file a schedule of bank charges for which reimbursement is claimed to include:

 

(i) Date of the Charge

 

(ii) The Amount

 

(iii) the reason for the charge as disclosed by the Defendant in for

example bank statements and

 

(iv) reason reimbursement is sought

 

then the claim be struck out without further order.

 

2 If the schedule is duly served, there be a stay until 4.00pm on the

18th May 2007

 

3 The Defendant shall serve an amended defence by 4.00pm on the first

of June 2007

 

4 The action be restored for a directions hearing at ****** at

 

Dated 26 march 2007

 

 

______________________________________________________________

 

Like I said I went to court, gave a breakdown of costs, no defendant was present and the Judge told me he will give me what I asked for and the moved onto the next case, so please, what does this mean? thanks.

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Have Lloyds paid?

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Very strange. If you've already had a judgement then its likely to be a mistake - I suggest you ring the court and ask.

 

If they can't tell you catagorically that its definately been sent in error, then you should comply with the order, just to be on the safe side. Certainly don't ignore it.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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It is asking for your schedule of charges and the reasons why they are unfair (ie, your POC)

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Looks that way - very odd....have you called the court?

 

When did the judge say Lloyds had to pay by?

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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looks like an error, but im contacting the guy who wrote it and will be back off leave next tuesday.....

 

weird that, and I panicked a bit because judgement in my case has already been given over a week ago.

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