For those who remember the way County Courts operated before 1999, a CPR Part 18 Request is a "request for further and better particulars of the ..." whatever pleading was filed and served. I will quote from the Civil Procedure Rules: 18.1(1) The may may at any time order a party to (a) clarify any matter which is in dispute in the proceedings; or (b) give additional informatoin in relatino to any such matter, whether or not the matter is contained or referred to in a statement of case. 18.1(2) Paragraph (1) is subject to any rule of law to the contrary. 18.1(3) Where the Court makes an order under paragraph (1), the

hi my name is Paul not Jane? ....lol jannercobbler is a nickname my DLA lacky is Michael Shires and this letter will be in his Inbox when he gets into work on Monday morning, and also on his desk on Tuesday via Registered post. There is only about 4 weeks left till D-Day in court. This is not a fully finished letter as I have been making minor alterations all day. Please feel free to use anything you find useful and please don't forget the scales at the top Paul

Ok this is my speculative reply any views/comments/alterations? before I email / Post this to them? Also am I right that “Without Prejudice” means it can't be used in court? “Without Prejudice” Your ref xxx/xxx/xxxxx/xxxxxx/xxxxxxxx.x I am in receipt of your letter dated 22nd September 2006, and note the contents; however the offer does not fully satisfy my claim against your client Abbey National PLC (“Abbey”) and as such is not acceptable. On the matter of contractual interest I disagree with your hypothesis, as I consider that there is an implied term. I have also noted your comments that Abbey is not enti

The defence with my responses are in bold & you may wish to ammend or await other comments Cobbets In your claim you state "the claimant is claiming the return of money taken by the defendant in charges" 2. Please provide the following particulars in support of your claim: 2.1 In relation to each charge please identify (a) the date when the charge was charged; (b) the amount of the same; and © the reason(s) given for the charging of the same. 2.2 In relation to each charge, please clarify the following: (a) is it the case of the claimant the same should not have been charged? NO it is the amount that’s in dispute (b) If

They are bullies and will intimidate you if they possibly can. Do you know for sure that the judgement has been made in favour of the store cards directly and not C.L. Finance who seem to be the company most often employed to do their dirty work. This makes a big difference to your response. In my last reply from Cohen's they even stated that a variation of judgement order which was granted by the court was at their discretion and not the courts!! Please don't be intimidated especially if you are up to date with your payments. I have made it very cear to them that once I establish that a large proportion of the alleged debt ar

give them a ring and try to blag the account no out of them i did this by saying i run a business and tax man after me for previous years so need details:)

Hi Helen, welcome to the family. First, spend a few days reading the FAQs, the step-by-step guide and the threads in the HSBC forum. This is a self-help forum, so it's up to you to do a bit. Click this link for FAQs Clcik this link for the step-by-step guide. Go Through your statements and highlight all the charges. Next, transfer the highlighted charges to a spreadsheet. Click this link for spreadsheets. When you have completed the spreadsheet, save it on your PC (you'll need it again). Print it out and send it as your schedule of payments claimed with the Preliminary letter. Click this link for prelimi

yes they charge £20 for late or missed payments.

I know that if it was my council they would contact the agency and explain on your behalf, you could ask them. I don't think they would start proceedings, without contacting you first, and I doubt they would look to evict you just yet! Try not to worry, I know there is no worse feeling finacially, than the thought of losing your home, but I'm sure the council will be able to help.

This is becoming standard practice for them all now. reduce their unlawful charges to £12 as 'recomended by the OFT as a 'fair' charge' and then increase interest rates. Strange way of doing it really as £12 is still unlawful and was not recommended by the OFT. In fact it's exactly what the OFT said shouldn't happen, but with the OFT being the toothless wonders they are following their latest statement is it any wonder? Personally interest rates of 15% and upwards should be made unlawful as they are definitely unjustifiable in my opinion. We, as a group should start a plan to tell them the consumers of this country NO LONGER accept

its the handbrake sign. if you drive with it on (even slightly it will appear) so next time you drive your car see if you have letting it go correctly. lisaxx my fella is a mechanic by the way other wise i wouldnt know!

take a look at this.. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/844-n1-claims-form-pdf.html

Should be pugsley, ive just bought one today and it says on the receipt quote please retain your receipt as proof of purchase. this receipt should be produced if any enquiry or claim is made in respect of the order. so i presume they will be able to track it at the post office. in the old days i believe you had to get a p85 i think it was called to track them!

Hi, and Welcome. Yes is the answer to your question. Read the threads here, you'll learn lots and it will give you confidence in your claim. Any problems, post here. Good Luck.

HI Do not think it really matters, I hand delivered mine to the branch, others leeds, London. Once they have the letter it is up to them to make sure it gets to the relevant department - not yours!! Good luck Caroline

Write again, accepting as part payment, and stressing the default issue. You will get a letter in a few days offering the lot, and default removal. You can give them a time limit, say... money paid in by Friday or whatever. This should gee them up a bit. Dont loose your bottle... keep up the pressure. You have made it this far. It is exeedingly unlikely you will ever set foot in a courtroom. relax!

I'm no bank worker, and I haven't seen any other letters of this type so I don't know if its totally accurate. but here's what I think anyway, I hope its of some help to you Dear Sir/Madam Re: Closure of Account xxxxxxxxxx I am writing in regard to your letter of day month 200x. I am shocked to learn of your decision to close my account as a result of my recent complaint. I have recently learnt that the OFT have heavily criticized institutions such as yourselves for taking this action as a result of claims such as mine. [don’t think you need the next paragraph, its too long!] I feel that the alleged mismana

Norman Lamb: "There is a big problem with the transfer of credit. Sometimes it can work in the consumer's interest" this Norman really worrys me, it appears his got connections in the CRA or at the least an interest in them, he implys it shouldnt be in the consumers interest were information is king. "I am seeking to address one specific historic problem, which is that, in the view of the industry and the Information Commissioner, there cannot be a full sharing of data. The commissioner has advised the industry that it would be a breach of the Data Protection Act 1998 to share data without consent. Incidentally, the problem has

They may need information from you to confirm your I.D. Data Controllers have a duty to ensure that information is not divulged to anyone who is not entitled to it. Other than that, don't get involved in dialogue with them. If you keep everything in writing then it could prevent a problem, later, trying to remember what you said.

PPI is always with a different company. The fact the seller has used a particular Insurance Company is irrelevant to you. The selling company is liable. We ALL agreed to pay the charges until we found out they are unlawful as are the solicitors as believe me they do not represent the actual cost to the selling company.

Just remember, everyone........ There is NO loophole. You will get it all back if you follow the well-tried and tested method on this site.

hi pfens if you could provide a little more info to what has happened and what you have done, we should be able to help more

No, that will be fine - it will be forarded on.

Each to their own. ;-)

pete - if you prefer not to use google the sheet in my sig may be of use to you.

Hope you don't mind, but I just eavesdropped on Vamps & Glenns dubious encounter. I, too had trubs downloading Vamps new sheets. I escaped from her chamber with no more than a load of blank HTML pages ! Then realised that I had to register, and save them in my Google area, which I then obediently did. Forgive me, but I prefer to be able to download stuff to my hard drive, so that it's MINE all MINE HA-HA-HAAAAAA!! However, I appreciate (inasmuch as a bloke can be expected to) Vamps reasoning in making them all so freely available. I'm not too sure about leaving my completed sheets in Google's area, though. Can I download at all? Second

I think this will help you. I would call the court and ask them if they require this first off. You can request a default judgment online on the MCOL site, it will say "Judgment" then below that it will say start. you click on the start when the banks 14days are up. Good Luck. Edit: you don't HAVE to send in any schedule unless they ask for it. As long as you have filled in the particulars of your claim.

EXACTLY! We are ending their current future rights to process our data... they've been allowed to do it in the past on the account, and we are not going after them for that... we are simply saying... okay you've done the bit for the management of the account... thanks very much, and now, that matter is private.

The system is different in Scotland. The N1 form doesn't apply there and they don't have County Courts - they have Sheriff Courts. You need to call one of the Sheriff's Courts (Edinburgh's is on 0131-2252525) and ask them for a claim form for whichever category of claim is relevant for you. The claim form will come with an easy-to-understand booklet with all you need to know about the procedure. Depending on how much you are claiming, you will need to ask for a form for: A Small Claim - under £750 A Summary Cause - between £750 and £1,500 An Ordinary Cause - over £1,500 Hope that helps - and good luck!

Send it to either. Personally I would use the first one for this letter and the Pipers Way address for your court claim.

Good good - keep to your timetable, even if you do not hear from them! You're the one suing them, not the otehr way around!!

DO NOT RESPOND TO THESE CALLS/MESSAGES IN ANY WAY. EVER. It is a well known ploy in the DCA industry to try to provoke a response. It's their sneaky way of finding out if you are still around to pursue. Any reply or reponse you make tells them that you are. Never help them to do their job. Ever.