Reclaim Unfair Bank Charges article discussion Part II

Kurt_Hamster

Lottie's_Mum wrote: »

As soon as you get to that 28 days in total (from the date the summons was issued ,as stated on the 'Notice of Issue'), go back on to the MCOL website and see if the bank has entered a Defence.

That should read the date the summons was served, ie up to 5 days after the date of issue.

Lottie's_Mum

thomell wrote: »

This is my debut on this site. I have been using Martins step guide but now I am confused. I've got as far as receiving Notice of Acknowledgement filed in the Northampton County Court dated 8th May 2007. I have watched Martins video on reclaiming bank charges and read through the 'Victory' paragraphs and it says 14 days to acknowledgement of service then 14 days to file a defence. on my letter from Northampton it says 28 days to file a defence. Am I getting this all wrong. I have tried not to bother anyone so far, I have tried to read what other people are doing but now I am getting scared. I'm reading about bundles of reams of pages which is scary. I had hoped this would have been settled by now because of the comparitable low amount (£661 + £80). I am doing this for my son (who is serving in a war zone at present ) and was hoping that it would be settled before he came home. Sorry this is so long but can someone please help me through this.
I am realy feeling the strain on both counts at the moment.
Thanks from a very worried Mum.

See earlier reply from Lottie's Mum.

geoff1057

Trying to reclaim late payment charges,from car finance company, had a letter this morning saying blah blah about agreements, then last paragraph of their letter says......"The OFTs recent publication of its findings into default fee charges only applied to bank and credit cards and did not apply to auto finance.Our view remains that we are entitled to charge these fees.", are they right?????? or shall i ignore them and press on with court proceedings?

Lottie's_Mum

Kurt_Hamster wrote: »

That should read the date the summons was served, ie up to 5 days after the date of issue.

Correct - it should have read date summons was 'served' not issued. Thanks!

Kurt_Hamster

geoff1057 wrote: »

Trying to reclaim late payment charges,from car finance company, had a letter this morning saying blah blah about agreements, then last paragraph of their letter says......"The OFTs recent publication of its findings into default fee charges only applied to bank and credit cards and did not apply to auto finance.Our view remains that we are entitled to charge these fees.", are they right?????? or shall i ignore them and press on with court proceedings?

Please see message #552 just above yours. I answered your post which you must have deleted then redid.

geoff1057

continue with my actions ,would yousay??

Kurt_Hamster

geoff1057 wrote: »

continue with my actions ,would yousay??

It's up to you whether you want to or not, but if you do you have the law behind you.

agnes_2

elliott1982 wrote: »

well ....got up this morning,went online,filled judgement!mcol says judgement filled!
got home from work letter in the post for transfer of hearing!!!!!
sooooooooooooooo...pixxed off!!!

Hi again what is happening? strange since I went online late on 21st and there was the defence filed, but I have received nothing in the post. I am reading as much as I possibly can at the moment

tezl

regarding lost tsb case surely when the banks do not turn up to defend and the judge asks us quetions it is like he is representing the banks. no turn up no defence.

Kurt_Hamster

tezl wrote: »

regarding lost tsb case surely when the banks do not turn up to defend and the judge asks us quetions it is like he is representing the banks. no turn up no defence.

The judge has a right to get you to prove that you have a case under the law before he makes a default judgement. Mr Beswick didn't prove that.