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    • No u Unfortunatley I do not know who they were or how I might find out. the only details of the debt I have find just  mention debt managers.
    • Don't worry, Simple Simon of VCS/Excel is very well known to the forum, as indeed are his defeats, of which he notched up another brace only last week.   There is time to 5 February and as dx says, the defence need only be very short.  Get CPR off today and upload the correspondence in PDF when you can.  Just follow our upload guide.   A few questions.   1.  Briefly, what went on, how did your wife get three tickets?   2.  Is the person they are suing also the same person who was driving on the day?   3.  Did she receive a Letter Before Claim/Letter Before Action?   4.  Is this car park local to you?  If so it would be very useful to see pix of the signage.  You heavily hint that Simple Simon has mixed up Excel with VCS, and this has been fatal to him in court many times.
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    • Is the monthly repayment agreement that you have accompanied by interest? Or have they decided to freeze the interest on it?
    • Hi all, good to see a well used forum on all subjects...I don't think this will be too common.   So basically I got a £10 credit for Casimba Casino and turned it into £1045, I have used the same debit card for the past 12 months, I came to withdraw and sent it to that card when I used the withdraw procedure.   After 9 days it wasn't in my bank so their support finally tell me they sent it to a credit card I haven't used in over years, one I had defaulted on when I lost my job! I am paying it off in a monthly agreement.   But this Casino sent them the £1045, I got in touch today and said that shouldn't have been sent, its Vanquis and they said they will ring tomorrow on a decision whether they will send it back, I don't think they will but any ideas how I can persuade them otherwise, this money will be a great help as I struggle to find a job in these times.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
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      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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      • 31 replies

Defence document from wragg & Co ***SETTLED***


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A & L Claiming £680 offered £280 and rejected.

 

Just recieved a defence doument from Wragg's defending the claim outling all the details ect; any one know if I have to respond to this document or not:confused: ??.

 

No court date either? hoping for an improved offer before the 16th June deadline.

 

PS: The Court says Northampton County Court, I assumed it was going to be in Birmingham, do i have to go to Northampton if we get to court stage???

 

Cheers

Many thanks Zee

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Guest ChloeJane

Hi there,

 

If you filed with Money claim online, the matter will be transferred to your local court.

 

No you don't need to do anything at this stage with the defence, just wait for the court to be in touch and let you know what part is next.

 

The defence is normal, so to stay ahead and be prepared, it is worth reading this link!

 

http://www.consumeractiongroup.co.uk/forum/guidance-notes/64911-got-court-date-guide.html

 

All the best.

 

CJ

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  • 1 month later...

COURT BUNDLE details need Please.

 

Hi, I need to get together my court Bundle for Monday 30 July ( in court 14/8 )

 

Can some one please give me some idea of what documents I need to send to the court and Wragg's these documents.

 

Thanks for your help.

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The contents of your bundle depends on the directions given to you by the court. Read these theads for further information: GOT A COURT DATE? A guide to the later stages and Basic Court Bundle and Examples of Witness Statements / Disclosure by List / Draft Directions / Case Summary

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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Thanks hedgey06

 

It just states that each party shall deliver to every other party and to the court office copies of all documents.

 

So is that all the letters I have send and received and do it on an itemised spread sheet.

 

Do you know if I have to send copies of the statements covering the last 6 years, I certainly hope not.

 

Cheers

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Hi all, can anyone help me, It appears I may have miscalculated the 8% charges somehow on my original claim.

 

I had claimed £82.76 in interest charges, but after re-entering the figures again on one of the spread sheets it comes to £130.18.

 

Do I stick with the original amount I asked for or use the new figure.

 

Many Thanks

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Hi,

 

This would depend really on if you have filed your claim or not.

 

If you have filed then an amendment would cost you £35 and is not recoverable, if you haven't filed then you can amend figures up to the date of filing claim.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Can any one help please, I am just putting my case bundle together.

 

Do I need to send the copies of all past 6 years bank statements, or just take them with me.

 

If I do need to send them do I just send the copies of the statements that any charges appear on.

 

THANK YOU

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hi zeethat

 

if you wish to amend your claim figure-

you will need to complete

Forms N1 and N244

which are downloadable from this site.

 

If you go ahead with your amendment,

and as you now have a Court Date for

14 August,

you will need to send these two forms

to your local Court with a cheque for £35.

 

if you need any more help,

just post another message and someone

will come along to give you some help

 

 

good luck

 

alice x

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hi zeethat

 

me again,

just looking at your figures

it may not be financially viable

for you to complete the forms

seeing as the difference is only £47.72

 

£ 130.18 less £ 82.76 = £47.72 extra monies to be claimed back

but: cheque to court would be £35.00

 

meaning you would only be £12.42 better off ? !

 

You might be best speaking with the court

direct, and asking if they will let the figures

stand as they are, or whether you still need

to complete Forms N1 and N244,

in view of the small amount involved.

 

i wish you good luck with your claim

 

alice x

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good morning Zeethat

 

Yes Zeethat, Regarding your Court Bundle

 

You need Copies of All the Bank Statements

that Show the Bank Charges taken from you by Alliance & Leicester

to go into your Court Bundle.

 

Only the Bank Statements that show the charges.

Use a Highlighter pen on each Payment taken from your Account

Good luck Zeethat

 

alice x

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Hi Alice

 

It says, District Judge has considered the statements of case allocation questionaires filed and allocated the claim to the small claims court.

 

Each party shall deliver to every other party and to the court office copies of all documents (including any expert report) on which he intends to rely at the hearing no later than 14 days before the hearing.

 

The original documents to be brought to the hearing.

 

===========

 

With regard to the interest it was at the time on 11June when I wrote to Wraggs £82.11, but as I am filling in the spread sheet to send to the court at todays date the interest figure has gone up, so I unsure which one to use. The £82.11 which I was claiming on the 11th June

or I use the uptodate figure at todays date.

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Hi all just need some help on the following.

 

Just about to send the court bundle in, I have printed of the latest schedule of charges including the 8% interest.

 

The 8% figure at todays date higher than mentioned in previous correspondence to wraggs on 21 June.

 

Which figure do I send to the courts???

 

As of 21st June or as of Today or neither just itemise all charges that appear on statements.

 

Thanks

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Yes, the interest varies according to which date you work it out on:rolleyes:

 

I'd stick with your original one, or it will only complicate matters. Thinking about it, I would say you'd probably HAVE to stick with the original amount of interest, as that's what it was when you instigated your claim.

 

Hope this helps.

 

Mimi x

A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

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Didn't we all send our statements when we registered the claims in the first place?Do we have to send them again as the court and the bank already have copies they can look at.In fact that is what they must look at to file a defence.:?

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I didnt send the statements when I registered the claim, I shall just send the ones with the charges on when I send my bundle of other stuff to the courts to be sure.

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Didn't we all send our statements when we registered the claims in the first place?

Hopefully we didn't

Do we have to send them again as the court

Yes you need them for your court bundles
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Didn't we all send our statements when we registered the claims in the first place?Do we have to send them again as the court and the bank already have copies they can look at.In fact that is what they must look at to file a defence.:?

 

When the claim was first registered, it was the charges spreadsheet showing the charges which should have been submitted. The bank statements should have been used to produce the charges schedule in summary form, but should have been retained by you.

A-Z CAG links to all documents you'll need for

your claim

(Thanks to Michael Brown for all his efforts)

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

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i have just won my case.. you just send the copy statements with the charges on in your court bundle... but you will need to take both copy ones and the original ones to court with you. if it gets that far. and i know it wont go to court.

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Hi All, I am sending my bundle off Monday, the T&C's I am sending with my bundle are the ones I have downloaded from the current A&L web site as I dont have my old T&C's from 9 years ago, will this be ok do you think.

 

Many Thanks ZEE

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