This topic was closed on 11 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 11 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

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This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

3 hours before court....I really do need some advice should the judge want to put this on a different track, it must stay on small claims as my friend cannot afford it to go onto another track, what arguemenmts should I use? K

Bump.....12 hours b4 court.....any1 able to offer some advice on argueing that this should b e on small claims track !? K

Hi all, I have already posted this elsewhere but I thinkn that forum may not be read asmuch..I would not normally double post and apologise for doing so however time is running short, here goes: I would really appreciate some advise on a claim I am helping a friend through. It is against providian. As far as I am aware I have followed the correct proceedures for him ( preliminary letter then LBA etc ). Providian have not yet paid up and the court date is for tomorrow! However on the court letter it says it is a 'directional hearing'. Does this mean the court is questioning whether it should be on a small claims track or not? Has anyone else experienced this ? Should providian not pay up by tomorrow morning then my friend is likely to have to attend this hearing? It would be much appreciated if any of the more experienced folk here could advise on what grounds this should be small claims, any other reference cases etc...or even advise on whether this 'directional hearing' is what I think it is? Also, has anyone yet had to go into court to argue the case of charges ( I know almost 99% never get to court because if the banks fail they will set a precedant? ) but have any got to court and if so how were they won ? Many thanks all, I just need to ensure my friend is fully prepared ( as little late i know he only told me the date 2 days ago ! ) K

I hate to bump a thread but time is really running out...anybody able to offer advice ? Thanks in advance K

Hi all, Been awhile since I've been on here, I would really appreciate some advise on a claim I am helping a friend through. It is against providian. As far as I am aware I have followed the correct proceedures for him ( preliminary letter then LBA etc ). Providian have not yet paid up and the court date is for tomorrow! However on the court letter it says it is a 'directional hearing'. Does this mean the court is questioning whether it should be on a small claims track or not? Has anyone else experienced this ? Should providian not pay up by tomorrow morning then my friend is likely to have to attend this hearing? It would be much appreciated if any of the more experienced folk here could advise on what grounds this should be small claims, any other reference cases etc...or even advise on whether this 'directional hearing' is what I think it is? Also, has anyone yet had to go into court to argue the case of charges ( I know almost 99% never get to court because if the banks fail they will set a precedant? ) but have any got to court and if so how were they won ? Many thanks all, I just need to ensure my friend is fully prepared ( as little late i know he only told me the date 2 days ago ! ) K

If you have any specific questinos shuttle please just ask ( or PM me )I will be happy to tell you things as I understand them.

Hey folks, Well, since I last posted on this I had a hearing and had a charging order permantly put on his house. This means that he cant sell it or re-mortgage without paying us back. Unfortunatly ( or not so really ) a few weeks ago we got a letter from the courts saying the landlord was appealing this decision. We had not a single response from him in almost 2 years since the outset and now he finds he will actually lose some money he has decieded to fight it ( slimebag ! ),...and drag me back to court. This is in the next week this appeal hearing will take place and fortunately everything is still in our favour and it may allow us to get our money back a little quicker. I will let you know how things go after they have happened, i'm somewhat anxious and stressed by it but at the end of the day all I have to do is turn up, tell the truth and whatever else happens after that regardless of my thoughts is the judges decision, K

Although I have now received my bank statements from Abbey I feel the courts failed me in my DPA claim. I took a DPA claim against abbey, we phoned and phoned the courts over a period of several months to find the status of the claim, each time being told it had gone upto the judge and there was no current news. Then all of a sudden we get a letter throughthe door telling us the hearing was 'that day', we of course could not attend with such short notice. We immediatly phoned the court and informed them that we had received the letter on the same day, we also wrote and informed them of this. Upon phoningg a few weeks ago we were told that due to our non attendance the claim had been struck out! We told the clerk the situation who informed us that if we wanted it reconsidered we must pay another £65! Yesterday we received a letter confirming that the claim had been struck out. At the end of the day we have the statements from abbey so we dont want to start the DPA claim again but I do want to know how I can complain about the courts actions? K

Hey folks, after waiting AGES yesterday I finally received the bank statements from abbey. We claimed for the latest 14 months over 6 months ago and have been after the remaining statements since, unfortunately a few hundred pounds of charges are not within the 6 years anymore, could someone clarify the 'charges within 6 years rule' and whether it can be arguedthat abbbey have delayed us on purpose and hindered my ability to claim for everything owed ? Many thanks y'all K