I do not know but i am sure someone with better knowledge than me will answer over the next couple of days.

Does anyone think that it would be worth putting a settlement letter copy from another bank claim with the first letter to a new claim against a differant bank to show them your serious ?

Will this letter fit on the online form ?

I would wait until at least 14 business days from the date of your undated 2nd letter to see if you get a response to it, did you send it by recorded delivery ? If the response is "we will look into it further blah blah" then issue a claim against them using moneyclaim online including the extra charges they applied after your first letter. Finally dont worry, it just takes a bit of patience. Happy new year to you too.

Looks fine.

I had a similar problem with certegy a year ago for the same reason, every letter I received from them i wrote back charging them double the fee they were trying to charge me, I also put a list of my extortionate charges on the bottom of every letter I sent them.( I do not think my charges were very lawfull ) In the end they owed me more than I owed them, actually about ten times more with my regime of fees. Never heard from them again after about five letters.

The defendants can put in a defence after judgement though they have to pay the courts to do so and it's not guaranteed that the court will let their late defence stand. But if the court accept the late defence nothing changes for you as you just carry on as if they had put their defence in time, it just costs the defendants more and more money.

I would stop paying scotcall as the debt in in dispute, I would not try and reclaim charges until the dispute part is sorted unless the 6 year period is up soon. What is the term CCA you use ?

Re Scot call write to them telling them you are stopping payments until legal action is concluded, get Citi to acknowledge in writing that the settlement was full and final, if they do not do this then sue them for the differance and this will let a judge decide, Citi wont like this and may settle before it gets to court, if all goes well and you know what charges and when they were charged to you then a month after they acknowledge your debt is settled chase them for the unlawfull charges. This is what I would do, if you do it it will be at your risk but if you lose you would only be in the same position as you are in now.

Write to Cabot (as you should do to everyone in finances, as months later suddenly the companies " have no records " to your prior phone agreements ) and tell them that you do not recognise the debt, put the ball in their court and get them to prove you owe it. Secondly write to citigroup and threaten them with court action for the amount of the "debt", as you said you had settled full and final, get them to prove otherwise and also ask for a copy of the conversation that they taped "for training purposes" If any of the collectors ring you tell them you will only corrospond by mail and hang up, it's easy to file letters, not so easy to file memories. Put pressure on the parties who are trying to pressure you, they really dont like it, they hate going to court, as proved by selling the debt onto other debt collectors rather than trying to persue you through the courts. Hope this helps.

Looks good, give them two weeks and if no action by them send them a "letter before action".

Hi Buzby, I recieved written judgement dated by the court 10 november 2006.

I find a lot of companies do not assist until you threaten legal or actually issue a summons.

Keep going.

Send them a letter signed by all the tenants giving them 14 days to start the work, also threaten to use moneyclaim online in your letter to sue them for the total amount the tenants have paid so far if they do not start within the 14 days. How long has the contract run and how much time until it ends ?

I had the reply confirming what the judge said at the hearing, how long should I wait to see if they pay up ?

No problem there then, check your user cp settings.

Let's see if I can reply.

Cheers I will let you know what happens.

Thanks Buzby, the company I sued was taken over so the judge changed the name from the company to the individual partners names, so if they are with the new company I might be able to trace them but as they sold it for 1.8 million they could be in the Bahamas !

Well I caught the train at Cardiff station at 5am to get to Leeds for the hearing at 11.30 and the defendants did not turn up so judgement was entered which means I won sort of, how do I persue my money ?

This thread might be worth another look for all the stayed cases.

Could also be that the judge wants a breakdown in date form for each charge against your bank account.

Show here what your original court claim stated Milo.

Keep going SA.