Ladymuck V Royal Bank of Scotland

[ladymuck]

Hi, I'm new to this site and would firstly like to say Hi to all, I hope this is the start of a beautiful relationship!

 

RBS have defended to claim, so it has been refered to County Court!

I have received documents from their solicitors asking for all sorts (in legal jarrgon)! has anyone help me through this stage, I haven't a clue what to do, many thanks

[happyolddog]

Welcome to the forum.

 

Please take time to read the faq's

Please find your banks forum and start a thread;

(your user name) V (banks name)

Other members with experiance of your bank can offer informed advide.

use the template letters in order. Stick to the timetable in there.

 

LINKS....

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/71112-glance-guide-claiming.html

FAQs....

Templates Library....

If you have charges going back further than six years read in here;

http://www.consumeractiongroup.co.uk/forum/general/80486-claiming-beyond-6-yrs.html

There is also live chat, visit if you need any quick advice.

http://www.consumeractiongroup.co.uk/forum/chat/flashchat.php

Finally good Luck.

Happyolddog.

 

If my advice helps please tip the scales, left.

[Guest louis wu]

Hi jennifer,

 

It sounds as if you have got a standard letter, although there are sometimes slight variations.

 

It would help if you could list the solicitors requests. Quite often, its info the already have, and is nothing to worry about.

 

Have you had anything from the court yet? If not, you will soon, either with a set of directions (instructions) from the judge, or an Allocation Questionaire. Again nothing to worry about, and everything is here to help you complete the forms.

 

Give us a bit more info, and you'll find you'll get lots of really useful help and advice.

 

louis

[ladymuck]

Help please!!!!!!

 

I've done everything up to the small claims stage, my claim has been defended and has been refered the next court, which is Walsall!

 

I have had a letter from Cobbetts in Manchester, asking me for all sorts of stuff!!!!!!!!!!!!!!!!!!!!!

 

All in legal jargon (of course), I really don't have the faintest idea what to do next?

 

I have been reading the threads for two days now, can someone please help me?

[ladymuck]

Hi, I'm really sorry I didn't say hello to everyone, was in a major panic!!

 

Have sent off the basic letter on CPT 18 , and not in accordance with Part 27, sent it today, so will keep you informed!

 

Still don't know what I'm meant to do next, but heyho, lots of people to help, many thanks, Lady xxxxxxx:-)

[paulwlton]

Hi, I'm really sorry I didn't say hello to everyone, was in a major panic!!

 

Have sent off the basic letter on CPT 18 , and not in accordance with Part 27, sent it today, so will keep you informed!

 

Still don't know what I'm meant to do next, but heyho, lots of people to help, many thanks, Lady xxxxxxx:-)

 

 

First of all what's all the panic for, i think it's just a matter of waiting for a hearing date now, just get the court bundle together and read up on a few threads.

 

Paul

[ladymuck]

HI, all, thank you all so much for your support.

 

I have sent off the letter re: the chapter 18 being excluded under part 27 today to cobbetts (1st class and recorded delivery, they should have it Monday)! Really wanted to tell them where to go,because it really terrified me (but not anymore, thanks to you lot).

 

Having myself a nice glass of chilled wine now, feeling slightly more assured with the fact that there are thousands of people who have been made to feel really desperate at times by these bullies and we are all doing something about it.

 

Will keep you posted (don't care if they know who I am, (not terrified anymore), this site does such a wonderful job, Thanks again x:)

[JOSH_IOU]

Welcome to the forum.

 

Please take time to read the faq's

Please find your banks forum and start a thread;

(your user name) V (banks name)

use the template letters in order Stick to the timetable in there.

 

For instant live help please go to the chat room

 

Any advice given is purely based on personal experience and if in doubt you should seek further advice from a professional.

 

 

Useful for those claiming for the first time for a summary of steps.

At a glance guide to claiming.....

 

A-Z of useful links to this site.

Can't Find What You're Looking For? Here's A Complete A-z Index

 

A list of head office departments to send your requests to

list of places to send you correspondence to

 

Step by step instructions better safe than sorry!

Example Step-By-Step Instructions

 

Templates If it aint broke dont fix it!

http://www.consumeractiongroup.c o....lates-library/

 

Online claim or direct at court?

Getting MCOL Right

 

Finally good Luck.

jamesrap.

 

[isidore]

It think it's extremely important if you are going to court or in court to read up the Library section as there are all sorts of guidance notes and procedures to help you along with your claim. You are after all potentially going to court!?!?

 

If you get enough homework done LM, you won't get terrified because you will be expecting them to defend or them to request your claim be struck out. Get reading, reassure yourself and prepare for what is about to happen. No need in panicking now is there?

[livelylad]

I have removed your full name from your title.

[ladymuck]

Thanks Lively x

[ladymuck]

Many thanks T4FF, had my defence through from Nottingham today, advising that it was being refered to Walsall, with no AQ.............

 

Do I just wait for Walsall to give me a date now?

 

I've been reading in the library and the other threads, when I made my claim I'm sure I did it on 8%, but I've just read about contratual, does this apply to me???????????????????

 

Would appreciate any directions

 

many thanks

 

Ladymuck

[livelylad]

Many thanks T4FF, had my defence through from Nottingham today, advising that it was being refered to Walsall, with no AQ.............

 

Do I just wait for Walsall to give me a date now?

 

I've been reading in the library and the other threads, when I made my claim I'm sure I did it on 8%, but I've just read about contratual, does this apply to me???????????????????

 

Would appreciate any directions

 

many thanks

 

Ladymuck

 

Yes just wait for the court to contact you now. You cant claim contractual now only the 8% that you have asked for.

[waltav]

Hi muck...

 

I signed up to this forum months ago, and read up on everything and actually got quite knowledged up ( is that actually a word?? lol ) on the whole situation, but sadly have been too busy to do anything....

Anyway, a few months have passed and now my SAR has been sent.

I am also with the RBOS & will start a new thread in the RBOS section, so we can follow each others cases.

Hope we get them nailed without too much aggro!

 

Regards,

 

Walshy

[ladymuck]

Hi all, quick update

 

Was reading in a different thread about the AQ not being sent out!!!!!!!

 

My case has been sent to Walsall County Court, I was a little confused about the £100 fee that is payable for claims over £1,500!

 

All sorted now, I rang the court and it turns out that Walsall have to send out AQ with their instructions, but other courts may have been told not to. It would also seem that the £100 is still payable on claims over £1,500 even if you don't get an AQ, so make sure you send it

 

If in doubt ask

[20kplus]

HI LadyMuck!

I have just joined- today so am also new! I too have had my Bank- NatWest contest my claim...but in my case judgment has alreasy been made in my favour- 10 days before they issued their defence. I am also wanting to know what to do about it- if you hear first- please forward!

Thanks,

20kplus.

[ladymuck]

Hey all, just a quick update

 

Got my AQ from Walsall today, and the request for the £100, it now gives me until the 14th May to return it

 

I will be using the template on the forum (so I don't get it wrong)!!!!!!!!!

 

Just wondered if there is anything I should be now be doing in anticipation of a court date

 

Cheers Lady

[Guest louis wu]

Hi lady

 

Just wondered if there is anything I should be now be doing in anticipation of a court date

 

You could have a look at the court bundle,

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

 

and towards the end of this there are some additional pointers

 

http://www.consumeractiongroup.co.uk/forum/abbey-bank/60572-basic-court-bundles.html (it is a different thread)

 

Apart from that, sit back and enjoy the good weather;)

 

Louis

[livelylad]

I have merged your threads.

[intercityman]

Hey all, just a quick update

 

Got my AQ from Walsall today, and the request for the £100, it now gives me until the 14th May to return it

 

I will be using the template on the forum (so I don't get it wrong)!!!!!!!!!

 

Just wondered if there is anything I should be now be doing in anticipation of a court date

 

Cheers Lady

 

 

I am in a similar position just awaiting notification from Walsall Courts ( i used MCOL ). Intresting to know they are using AQ. I would be intrigued to see how quick you get your date.

[ladymuck]

Hi all, another update!!!!!!!!!!!!

 

Had a copy of Cobbetts AQ today (I sent off my AQ & cheque Fri recorded delivery to the court)!

 

They have put in Section G (other information), I quote:

 

Case management directions cannot be proposed until the Claimant serves a Reply to the Request for Further Information which was due on the 1st of May 2007. In light of this, the Defendant my amend its defence or apply to strike out.

 

Oh my God, have I done something wrong??? When the sent the Request for Further Information letter, I replied with the small claims track template! Have I done the right thing???????????

 

Can someone please give me some guidance, I'm really worried now!!!

 

Many Thanks

[ladymuck]

Hi all, just to let you know I've now had a court date of 4th September 2007 @ 10am, it says it should take no longer than 1 hour 30 mins, I'm wondering if they may be doing a few at the same time!

 

I've been looking at the court bundles, still a little confused, but have requested a court buddie, in the hope of getting it right and my case not being struck out.

 

I find it very interesting when reading through other peoples threads, that they have had some form of contact with the bank, I however have not heard a dickybird! Should it be me who makes contact with them?? I have read somewhere about nudge letters, should I be sending them or just do my court bundle and wait?

 

Keep your fingers crossed for me.

[ladymuck]

Hi

 

I need the T & C's for the RBS 1992, anyone know where I can find them, quite urgent, going on holiday so court bundle needs to be in by Monday!

 

Many Thanks

[kiff]

Hi Ladymuck

 

I've been following your thread as I'm not too far behind you. I have recently received a copy of Cobbetts defence and a AQ from my local court which has to be in by the 9th Aug.

 

With reference to one of your previous posts (see below), what was the outcome? Did you make any response or did you just ignore it and wait for a court date?

 

Had a copy of Cobbetts AQ today (I sent off my AQ & cheque Fri recorded delivery to the court)!

 

They have put in Section G (other information), I quote:

 

Case management directions cannot be proposed until the Claimant serves a Reply to the Request for Further Information which was due on the 1st of May 2007. In light of this, the Defendant my amend its defence or apply to strike out.

 

Oh my God, have I done something wrong??? When the sent the Request for Further Information letter, I replied with the small claims track template! Have I done the right thing???????????

 

Can someone please give me some guidance, I'm really worried now!!!

Just trying prepare myself if I get something like this!

 

Thanks

Kiff

[ladymuck]

Hi Kiff,

 

after asking for advise I ignored it!

 

When you get your court date request a court buddy (mine is great & available to go to court with me)!

 

Good Luck & keep me posted xx