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    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer and that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim and don't add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the members of suggested above – it should be the final version. court, that I would respectfully requestup but I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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SarahAnne V Nat West


Sarahanne1
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Welcome to the Nasty West forum. First thing is to let us know what you want help with? Loads of help available

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html#post436526

 

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Can any one help me??

:???: Have been in dispute with Nat West since Feb 07. Have got as far as claiming with MCOL. Nat West have until tommorrow to do something.

Today have had an offer of £1384.00 which is all the charges less interest and court fees. Am very tempted but I dont see why they should not pay for the interest and court fees as well. Do I write to them refusing the offer and ask again for interest and court Fees or do I write to the bank? Any one got a template letter refusing the offer? :???:

Sarah

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Can any one help me??

 

yes whats the problem, the answers to most questions can be found in the FAQs and the step by step instructions, also there is a lot of information in the threads in your bank forum.

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http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html. Good luck its your money taken unlawfully from your account and you have alegal right to claim it back with interest. I have just returned the same cheque for £3,700 twice.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Well spotted ppman.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Yes got very excited about offer and posted first one by accident.

Have found FAQs and have done my rejection letter! Nat West have until 2morrow how will I know if theyve acknowledged? And also what is a LAB?

Sarah Anne

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A lab is short for a laboratory or a labrador, biggrin.gif An lba is what you want. Which is short for a Letter Before Action. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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:D Thanks for that!!

How will I know if the bank has acknowledged the court claim? Will it appear on the mcol website as acknowledged or will the court write to me? I intend to apply for judgement tommorow if Ive not heard from them or should I wait till Wednesday. It all gets a bit frightening from now could I lose at this late stage??:eek:

Sarah

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Just keep checking the MCOL site. They will inform you. Give them a ring on their help desk. YOU WILL WIN. Be patient. They unlawfully took money from your account and you have a legal right to claim it back.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Help!! Have been reading penalty charges forum and realised I have not sent any info to court except basic outline of case in claim document. Am I too late? In process of copying it all now. Will this go against me.??

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No, what you need to do today by recorded delivery, is send your full list, schedule of charges to your court with a simple letter, stating, can they attach the full breakdown of charges (which you have already supplied to the bank before) ask them to attach it to your court file. But send it recorded or drop it in in person that way you know they have received it safely. Its not too late. Just dont panic, and do it today.

 

Fendy xxxxx

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  • 2 weeks later...

Evening everyone,

OK need some help here have got to the 28 days after issue and Nasty West have acknowledged after 14 days but nothing since and today is the 28th day. Have tried to get judgement online through mcol but they say its too early!! I thought after close of business you could ask for judgement could anyone advise me. I started the claim online on the 26th April have I got my dates wrong!!

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Tisn't that you've got your dates wrong - it's just that it genuinely is too early to apply for judgement!

 

You'll more than likely find that cobbetts have got a defence in at the last minute. If you apply for judgement too soon - they'll more than likely ask the court for a stay to give them more time to submit the defence which will just drag your claim on longer than necessary.

 

Give it another couple of days then check to see if they've filed their defence. xx :p

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You never know.......... they may have forgotten about you!!! But it's best to give it another couple of days just to make sure!! xx ;)

Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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Afternoon everyone

Recieved defense this morning from Corbetts!! They really are crafty buggers doing it at last poss min..I honestly thought it would be a lot easier than this!! All the legal jargon is a bit worrying have just spent last hour reading about cpr18 and wot nots now head is busting. Am going to try and get things ready for court etc but not sure where to start!! Hopefully Nat west will make an offer.

Am going to start by sending Corbetts letter acknowledging there defence then wait for instruction off court.

Is there anything else I should be doing at this stage cos Im bricking it and want to make sure everything is right and that I dont forget to in clude anything.....?

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