Reclaiming in Scotland

HariboJunkie

I am really unsure about submitting several smaller claims now for my total of £4000.According to the CAG website some people have had their second claim thrown out of court because they have claimed before and some say it might be wiser to just claim the limit of £1500. Does anyone on here know any more about this? Should I claim the whole amount and risk going to court and having costs awarded against me?

Edinburghlass_2

First of all what stage are you at? Have you submitted a claim for your charges yet? Are you at the court stage now?

McGeek

Hi Edinburgh lass

nope I am right at the beginning, past step one of setting up the parachute bank. I am just looking to make sure it is all right from the start

//McGeek

HariboJunkie

If you were talking to me Edinburghlass I am sitting with my 14 day letter and list of charges ready to post. I've already decided to forfeit some money by only claiming what I could find in charges on internet banking which only goes back to July 2002 and really don't want to claim for less than the full £4000. The letter I am sending does claim for the full amount but if/when it gets to court stage I will need to decide to settle for less with less risk or go for it with more risk. It's LTSB I'm claimig against who seem to drag things out as long as they can.

Edinburghlass_2

Next question is what bank? Fire your claim in now and we'll worry about the court stage when/if you come it.

Meantime have a look through this thread and especially have a look at the links to the Govan Law Centre re jurisdiction.

lmeehan67

McGEEK - The small claims limit is actualy £750 however you can do a Summary Cause where the limit is £1500. The fee is the same, £39 and as far as I know the procedure is similar to a small claims.

HARIBOJUNKIE - Just a thought, is this a joint account cos if it was perhaps you could do one claim for say 2002 - 2004 then your partner could do 2004 - 2007 or something like that....??? If not then you will need to make 3 different claims...hopefully your bank will pay up before it comes to that.

HariboJunkie

Good idea Edinburgh lass :A Like you say hopefully it won't get that far.

McGeek

Edinburgh lass: Llloyds TSB.... and will do

Imeehan67: Cool that sounds like an idea also

Damn if only banks were this quick and serviceminded :P

smilesimon

Hi,
New to this site and boards.
I have sent off my first letter to Lloyds TSB. I have not had a reply and not sure what my next step is. Can anyone help? Also I Live in Scotland and not toosure if there are any different laws here which may stop or hinder me from doing this, does anyone know?

Edinburghlass_2

Read Martin's article, link in my signature, for your next step and send the next letter according to your timescale. Have a read of the above posts regards claiming in Scotland when or indeed if it gets to the court stage.