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    • Thank you again. I'm hoping it will come out in the wash and will endeavour to check my online account. I'm a bit unsettled by not hearing from Booking.com but the host is sounding helpful at the moment. HB
    • I've just remembered that a friend of mine had bookings cancelled on Booking.com about a month ago - and the good news is that all worked out in the wash. I'm at work now but will scribble properly in a couple of hours with the full tale.
    • Thank you Dave. I've had nothing from Booking.com, just a message via the site from the host. I know I need to check my bank account, just trying to resolve some technical issues. HB  
    • Which Court have you received the claim from ? Civil National Business Centre Name of the Claimant ? JC INTERNATIONAL AQUISITION How many defendant's  joint or self ? Self Date of issue – 22 May 2024  Particulars of Claim What is the claim for – 1. The def owes the claimant £300 in respect of gas and electricity charges supplied by OVO. 2. Debt was assigned to the claimant with notice given to the def. 3. Despite formal demand the def has failed to pay the debt and the claimant claims £300 and further claims interest pursuant to s69 of the CCA 1984. What is the total value of the claim? £385 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Energy debt When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? Moved home and they were the current energy supplier  Is the debt showing on your credit reference files (Experian/Equifax/Etc...) ? No Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt assigned to JC International Were you aware the account had been assigned – did you receive a Notice of Assignment? Not sure probably  Did you receive a Default Notice from the original creditor? Again can't remember but probably  Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No Why did you cease payments? Changed supplier What was the date of your last payment? Never  Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No
    • Their FAQs state - Cancellations and modifications If your booking has been cancelled, Booking.com refunds you immediately. The processing time may take 7 to 10 days and depends on your bank. If you have questions, contact your bank directly. I'm a regular Booking.com and AirBnB user.  The former have never cancelled.  The latter have and my money was refunded immediately (not that that helps you as we're not talking about AirBnB!) Best to check with your bank and see (a) if you did pay in advance and (b) if it has been refunded. Also, have you received a message from Booking.com officially stating the cancellation?
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Brightestsparkler Vs RBOS ***WON***


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Thanks

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Excellent help sally ;)

 

The only thing I would possibly change (if appropriate) is the paragraph that says you have not made any attempt to settle as you might have had an offer already?

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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I haven't had any offer already just the letter to say they are looking into my request :confused: . I am just using the templates from the same site that I started this process from in an attempt to be less confused although that doesn't seem to be working (lol)

 

I just wish I has found this site earlier is all I can say and will use the templates on this site for my claim on Cap 1

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Thanks Sally wish I noticed your post prior to posting the standard LBA but hey ho! Could use it on Cap 1 when I get to that stage instead.

 

Anyway LBA has now been sent rec del today 14 more days and counting!!! and I can spend more time reading the threads now as the house sale is all over with :D

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Good Luck, not that you will need it. :)

05/03/07 S.A.R - (Subject Access Request) handed in at branch

Found missing statements at home !!!!

08/03/07 Prelim+ schedule posted rec del

22/03/07 :mad: No reply to prelim LBA posted rec del

05/04/07 :mad: 14 days and no reply to LBA, sent e-mail

27/04/07 :D Offered FULL SETTLEMENT £3375

03/05/07 Cash in bank account :D :D

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I haven't had any offer already just the letter to say they are looking into my request :confused: . I am just using the templates from the same site that I started this process from in an attempt to be less confused although that doesn't seem to be working (lol)

 

I just wish I has found this site earlier is all I can say and will use the templates on this site for my claim on Cap 1

 

That's why I said "if appropriate"? If it is applicable to you then leave it as it is.

 

I would think that that letter would be most effective after the 14 days is up on your LBA, not before your LBA sparkler.

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Guest littlesally

I sent the letter after the LBA.

I believe a few people have used it but have no idea if it has worked for them, but it's worth a try.

 

Sally x

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  • 2 weeks later...

I've just realised the LBA14 days are up on Tues so have just e-mailed the letter that littlesally posted to my work so I can print it :)

 

I decided to delete this part of it tho

If you wish to pursue this course of action please telephone me to obtain my account details.

As they already know my account details as I will be using this to go towards clearing my overdraft with them. (should I add that to the letter?)

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Guest littlesally

You could but there isn't a lot of point - you may change your mind once you get it.

 

Sally x

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Guest littlesally

That's right, I truely hope it works.

Have a good look around as there is loads of guidence around.

 

Look here.....

http://www.consumeractiongroup.co.uk/forum/rbs-bos-successes/

 

That lot should give you hope.

It's a pity the chatroom is still closed as that place can really help with any doubts and fears you have.

Also good for just unwinding and having fun.

Still hopefully it won't be long.

 

It's basically a waiting game, seeing who can out stare the other - don't be the one to look away.

Many people do at this stage and give up.

 

Make sure you stick with the winners and you will be one!

 

sally x

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Thanks littlesally I posted that latter Sat Rec del so they should get it tomorrow then comes that hard part if they don't respond i guess :( not looking forward to all that form filling etc, but at least there's plenty of help here from lovely people :) should I get stuck (i'm sure I will)

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Hi all can anyone help me please?

 

As you can see by my thread LBA date runs out over the weekend so shall we call it monday.

 

Next step is MCOL. I have read and read the threads on here to the point of confusion. I'm worried about the dealines that I have to meet once the MCOL is filed is it imperitive to file MCOL straight away? or can I get everything together for the next steps first?

 

Main problem being lack of time as I am a single mum working full time - add some short deadlines to this and i'm on meltdown!!!

 

Or.... is the collation of what is needed more easy that the threads i've read make it sound?

 

I've no idea where to start and wish they would just make an offer argghhhhh!!! Shall I just give up? I don't think i'm cut out for this :o

 

Another thought.... should I have requested CCA or is it too late?

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you don't need to file immediately...just make sure you do!

 

If you head over to the library section, there are template claim documents and lots of helpers.

 

DON'T GIVE UP!!!

If my post has been useful, tip my scales and let me know

 

Always start with the User guide!

Stuck with RBS charges? Click here!!

 

RBS CA1 £2794 SETTLED!!! RBS CA2 £503 SETTLED!!! HBOS CC £498 SETTLED!!! Barclaycard £705 (with CCI) ONGOING!!! NATWEST CA ONGOING!!! LLOYDS CA x 2, CC, LOAN ONGOING!!! HFC LOAN ONGOING!!!

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Guest ChloeJane

Hi Bright Sparkler!

 

OK - where to begin....as with all you have written I would like to add that little time is really necessary.

 

My advice would be - firstly have confidence ! You have got this far why back out now when the rest is just a process! It appears a lot and intimidating, but its simple honest!

 

Firstly - my advice - don't go MCOL.

 

Secondly - go via the N1. Its simple, put it in an envolope with a cheque and your done!

 

Its that simple!!!! However-read below!

 

NOW........just so you have some light reading - as a single mum you may be able to claim exemption from paying court fees. This is really really simple.

 

So I am adding only two links for clarity -

 

1) Read about the fees exemption - if you qualify or think you do, fill in the form and enclose it with your N1.

Fees

You can apply for an exemption through the court when you file your claim so it is worth a read and if in hardship, worth applying.

http://www.hmcourts-service.gov.uk/H...fl ets_id=172

 

See - simple no stress - it will save you money!

 

Step 2

4. Particulars of claim - N1 - hard copy version

The above link will take you to the claim form and the instructions of how to fill it out. - you will see a link that is a fresh N1 claimform link - click it and it will allow you to edit the form online!

** Where it has particulars of claim, copy and paste the above instruction template of the particulars onto a word documet - then on page two where it asks you for them , put as attached ****

PRINT 3 COPIES - SIGN

Step 3

Click below to find your local court

http://www.hmcourts-service.gov.uk/HMCSCourtFinder/

- If you have got that far -

PRINT 3 COPIES OF YOUR SCEDULE OF CHARGES - SPREADSHEET.

Put all of the above - N1 claim form, schedule of charges, exempt form filled out or cheque and post away!

Its that simple.

Or - use MCOL.

CJ

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  • 2 weeks later...

Firstly - my advice - don't go MCOL.

 

Secondly - go via the N1. Its simple, put it in an envolope with a cheque and your done!CJ

 

Aren't they just the same but one is online version where there is no chance of a clerk loosing your stuff somewhere?

 

Click below to find your local court

 

http://www.hmcourts-service.gov.uk/HMCSCourtFinder/

 

CJ

 

I've done this under work type they have

  • Criminal
  • Youth Court
  • Family Work
  • Civil

Does this fall into one of those categories or do I need to find an alternative place? If so what type of work does caliming back fall under?

 

Ready to get on with it again now, think that Lloyd case gave me a seious case of the jitters :o

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Guest littlesally

Hi Bright,

I have got no idea as my claim did not get this far, but am replying to BUMP this, so hopefully someone will see who will help.

Alternatively, if you look through these

 

http://www.consumeractiongroup.co.uk/forum/rbs-bos-successes/

 

find a few similar and PM them all to see what they did. At least one should reply!

 

Hope that helps,

Sally x

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OK i've been to the link for N1 and the template but dont understand the following...Can I delete that in orange as i've not mentioned this in any letters and not sure i was charged interest on o/d or not (never went there)?

 

Charges £xxx.xx

Overdraft Interest £xxx.xx

Interest under s.69 County Courts Act 1984 £xxx.xx (Is this the 8%?)

Court Fee £xx.xx

 

TOTAL £ xx.xx

 

Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £xx.xx per day (What's this bit about, does it mean I can charge them more interest on top of the 8% i've already mentioned in all my letters?) [(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day)] OR at such rate and for such periods as the court deems just.

 

I hope someone can help a legal dullard like me :)

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Hi

Thanks for replying to my post. If you look in the templates bit sticky number 4 it gives you the answers you need for the above question. I cant get the n1 form it keeps saying the file is damaged and cant be repaired. Good luck I think we are both in the same boat ha The orange bit you leave out I have not claimed this either

Twosue x

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Guest littlesally

Don't back out!!!!!!

Just last minute jitters!

I am sure someone will be along that can help, hang on in there.

Sally x

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