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    • jk2054 - I haven't started a claim with OIC or MIB yet, due to being unable to obtain the name of the other driver.  BankFodder cheers for that, I'll go back to them with this info & update on here when I've had a response
    • Andy thanks for your reply. No i am now being evicted from the house i moved into after that previous post. The letting agent lied to me when they said the landlord would not be selling the house. SHe did not mention that the landlord tried to sell the house last year, i was not told this, 4 months into the tenancy i got the eviction notice. Its obvious they lied to me and used me to fill in the gap between their attempts to sell the house. I have filled in the defence form as it was easy to follow the old one from my previous post. I will post it later on in the hope someone can give it the once over. It has to be in by the end of this month may 31st.  
    • It's a GR Yaris - Finance is with Alphera, who are part of BMW I believe. I'm sure the unit is very expensive to repair, I have even told them I would be happy with a refurbished/reconditioned unit, in trying to be reasonable as well.
    • Without seeing this envelope, document and sticker it is impossible to advise properly. However, just going on what you have told us, there are two ways you can deal with this: !. The easy way. This has the lowest risk but the guarantee of a penalty for speeding.  You can respond to the SJPN by pleading “Not Guilty” to both charges. In the “Reasons for pleading Not Guilty” box you can explain that you responded to the request for driver’s details but it was recently returned to you, seemingly not actioned. However, you are willing to plead guilty to the speeding charge providing, and only providing, the “Fail to Provide Driver's Details" (FtP) charge is dropped. You could also ask the court to consider sentencing you at the fixed penalty level (£100 and 3 points) as this prosecution seems to be the result of an administrative problem outside your control. 2. The not so easy way with higher risk. This could see you convicted of the FtP charge but has the possibility that you escape with no penalty whatsoever. You can do the same – plead not guilty to both charges. If you go down this route the speeding charge cannot succeed as they have no evidence you were driving. This comes from your response to the request for driver’s details which the police say they have not got. You can mention in the “Reasons” box that you returned the request for driver’s details as required. You will then face a trial for the FtP charge and you can produced your response together with the envelope and sticker showing it had been returned to you. The risk with this is that if your defence fails you will be fined a week and a half’s net income, pay a “Victim Surcharge” of 40% of the fine, pay prosecution costs of around £650 and have six points together with an endorsement code (MS90) which will see your insurance premiums rocket.
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    • We have finally managed to obtain the transcript of this case.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Hi... would really like info on bank charges!!!


louise78
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It looks good, but I'm not sure that I'd quote the Hull County Court order as this hasn't actually set a precedent yet. With regards to the settled claims, leave this is in as this is easy to find. You go to the Litigation section on the main forum page and enter the following details - claim number, bank (national westminster), amount and date. Select font size 8 and enter the details. A spreadsheet will open up in a new window - print this off as this is a sample list of settled claims.

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Thank the lord!!!!! I can stop jumping threads now!!!! ;) xx

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The bit I took out was this:

 

The Claimant believes that if the Defendant has the serious intention of defending this claim at trial as is indicated by its defence, that it is incumbent on it to disclose such information. Further, the proposed directions are already routinely ordered in claims of this nature in the Mercantile Court in London, as well as in small claims track cases in Leicester, Derby, Chesterfield, Northampton and Mansfield County Courts.

As the law relating to contractual penalties is long established, the Claimant believes the outstanding issues to be of fact. Accordingly, the Claimant respectfully requests that this claim be allocated to the small claims track, and estimates that the hearing of the claim should last no longer than one hour.

I'm not sure where my right lay on this one! I have no idea what they are talking about when they refer to the proposed directions are already routinely ordered in claims of this nature in the Mercantile Court in London, as well as in small claims track cases in Leicester, Derby, Chesterfield, Northampton and Mansfield County Courts.

 

OR : As the law relating to contractual penalties is long established, the Claimant believes the outstanding issues to be of fact.

I hate to be thick and ask for so much from you.. but the solicitors scare me! Although my desire to "screw" them (pardon the expression) kinda makes up for it!

Any advise would be VERY gratefully recieved!

xx :)

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You want to leave all that stuff in.

 

Essentially, it's saying that you don't think the defendant, ie the bank, is serious about its intention to defend its claim and that in the light of this and what's happened in previous similar cases - at the Mercantile Court in London, as well as in a number of other courts - you believe you're entirely justified in asking for the bank to disclose its costs.

 

Basically, this is your opportunity to try and put the frighteners on the bank, as opposed to the other way around! ;-)

  • Haha 1

NatWest: seeking unlawful charges + interest incurred as a result of those charges of £4,292.82 and contractual interest (compounded) of £4,559.41. Court claim issued 16.01.08; acknowledgement of service filled by Cobbetts on 30.01.08

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Your threads merged again.

Please keep all posts regarding this claim in this thread.

If you're running a numbr of threads at the same time, it is impossible to follow your claim and could jeopardise our attempts to advise you.

 

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Good for you! Fingers crossed that either cobbetts cave in or the court grants the draft order. Keep up the good work! xx:D

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Hi again guys,

 

Just a thought after reading lots of threads! What do you think of writing straight to Nat West and "nudging" them. I have sent a "nudge" to Cobbetts... Or is it best to leave it in the solicitors hands now?

 

Any advice greatly appreciated! xx

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I don't really think it's worth it Louise, it's in Cobbetts' hands now hun........... and you've already 'nudged' them. Keep up the nudges with Cobbetts though (every 14 days) - if nothing else they may get that fed up with you that they'll settle!! ;):D xx

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Awwww............ what you like!!

 

Don't worry - if you need to do 'the bundle' there's plenty of help available! When you actually read it though, it's not that scary. It's just a case of 'doing as it says on the tin'!!!

 

Chill out! You're doing a grand job! xx ;)

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  • 2 weeks later...

Hey. News reel..!! I have just had some contact with the court. it is "Notice of Allocation or Listing Hearing" to the claimant's solicitor.

 

District Judge XXXXX has considered the statements of case submitted in this claim and has decided a hearing is necessary before a final decision is made about allocation can be made.

 

Reasons for this hearing are as follows:

 

The court needs to identify whther this particular case is suitable for hearing as a Fast Track.

 

District Judge XXXX order you to attend at XXXXX.

 

Also, there is an attachment saying:

 

"The court has identified a number of cases which all raise the same issues and defence. In an effort to manage them appropriately the court has listed the cases for consideration of allocation or in some cases reallocation. The court has endeavoured to lsit cases onvolving the same lending institution at the same time in the hope that only one representative need attend"

 

Do I need to do anything? Or just turn up at the allocated time? And it this good ish news?

 

Thanks for anyone's comments! x

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Louise, how much are you claiming (I'm too lazy to track back through your thread!)

 

This is an allocation hearing - have a look through this thread GOT A COURT DATE? A guide to the later stages for everything you need to prepare and take with you on the day. Get everything ready in good time and make sure that you understand all the documents.

 

What date is it???

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£3,300??? - I'd have thought that would be small claims track (maybe the judge has just lumped you all together though!!)

 

3rd Sept? - my hubby's birthday! I'll be thinking of you while I sip my wine in my fave Italian restaurant!! ;)

 

Have a good read through the link that I gave you above though louise, it'll help you to get everything ready to take with you.

 

Move quick your court don't they! :D

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

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Thanks so much Hedgey! I thought that the courts were moving quite slowly...! I've been at this one way or another since the beginning of the year!

 

Well, happy birthday to your hubby! Thanks for the link, I always get scared when I first read through the threads.. it takes a couple of reads to get it into my head..!

 

By the way, is there a quick way of finding my thread? If I don't have any news for a while it'll take me ages to look through them all?! Am I just being thick?!

 

Thanks again xx

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When you first log on, go straight to the blue control panel (near to the top of each page/forum) and click on 'quick links' then scroll down to 'subscribed threads' ................ you'll be able to find your own thread quite easily from there xx ;)

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Thanks again hedgey! I'll bet you're bored of reading that off my tread!!! ~ bit worried about the latest news ~ OFT taking 7 major banks to court. Not sure how that will affect us??!! Anyways.. just keeping my fingers crossed!

xxx

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Hi You are not alone they have done this to me too and I need help too. Not sure of where to turn at the moment it has taken me over 6 months to get this far so if you get a response of how to go on can you pass it on to me please thank you so much. bjtfp

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