I have had a letter from Northen Rock saying "we won ha ha ha ha" they also kindly filled in the court forms for me to sign saying I am giving up my case I look forward to the imminent new advice from this site

I find it amazing that they keep on talking about "fees for unarranged over drafts" I have a claim for nearly 2k and the vast majority of the charges I faced related to them refusing a payment. These charges frequently pushed me into overdraft triggering further fees When I began my claim my bank, Northen Rock behaved with an extraodinarty amount of spite and malice I hope I get to go back to court to argue the unfairness of these charged This is so misrepesented it is insane it is not the financially irresponsible vs the the good ones who never go overdrawn any rational person looking at individual cases will see that the banks have behaved in a totally unreasonable thieving way for years power to the people

i made this point and both the judge and the barrister for northen rock laughed i said that i did not find it a laughing matter at all

my unreasonable behaviour appears to be that i did not agree to the stay and so they had to have a hearing thats me being unreasonable.

judge was very sympathetic (was a lady judge called Fink in the end) but she that unfortunately she had to grant the stay The barrister representing Northen Rock then applied to have costs awarded because of my "unreasonable behaviour"..... grrrrrrr she rejected this .... bless her so now i wait what happens after the test case what about the charges northen rock are slamming on me as we speak? what about court costs? what about interest?

its tomorrow i shall let you know

District judge Freeborough

i dont intend to email them again at least until i see them in court anyway i do feel strongly about it and i appreciate your comments about it but i must admit in my email when i said "i believe that you have stolen from me...." whilst it might be unwise i do feel it is somewhat justified as quite apart from the £800 or so they have "charged" me for going overdrawn, bouncing a cheque etc ... they have actually charged me a number of times when there was in fact money in my account. this is very easy to prove with my statements and contrary to their response... perhaps i am getting too annoyed by this and i am finally moving my account... but OMG they way they have behaved has really shocked me... and also do you think if i owed them money and baillifs came round here i would be able to dispatch the bailiffs by telling them i was about to apply for a set aside to a court order? thanks for your help all throughout this thread.... much appreciated

i did agree to the telephone hearing i do not know who the judge is but my hearing is at 10 o clock on the 2cnd October (i will check my paperwork so i can tell you who the judge is when i get home tonight)

http://www.consumeractiongroup.co.uk/forum/other-institutions/12055-help-aggressive-response-northern-12.html#post1148959

going to court a week today i will be apposing the stay on a number of grounds,,, moslty those mentioned in the letter i got off this site but also because they have been totally bullying me (and others) i really do believe they have used their corporate might to intimidate people and to thwart the court system recent email exchange

well after nearly 2 years of them trying to bully and intimidate me and after a year of them disrespecting and attemtpint to thwart the court process i am finally gonna get a day in court two weeks today croydon county court 10am.... all support welcome this is the hearing to decide on their application for a stay... wahoooooooooooooo i am sure they have other things to worry about but cannot for the life of me think what they are

thanks much appreciated

please? do i object to their requestr to attend the hearing by telephone? or do i agree? or do i do nothing except send me letter detailing my reasons for objecting to the stay?

anyone ?

sorry

oh yes its very convinient the court is a 60 second walk from my current contract

osrry what is post 223 please?

i am on small claims track and northen rock requested the stay

right so i call the court and they tell me to wait for a hearing on the stay they then send me notification for a hearing for the stay.. i was going to send the letter kindly linked above about me objecting to the stay that was kindly linked above. i then get this letter: any suggestions? i am loathe to agree and yet again i feel they are trying to bully me they have attempted to thwart this claim for over a year and now they claim fairness? any suggestions greatly appreciated

many thanks

so after all this i phone the court on monday to ask what was going and they said i would be allocated a hearing by the end of the week i then got a letter yesterday from northen rock saying they were requesting a stay for the test case i called the court today and then said i was about to be allocated a hearing but they have received the request for a stay do i send the court a letter saying i am not happy about this and want my hearing i mean after all the bank ignored the initial claim, the ignored the judgnment by default even though i informed them by letter and by phone), they ignored the warrant (again i informed them)... they only applied for a set aside when the bailiffs went to their offices then they threatened and harassed me into agreeing the set aside and now i have to wait for the test case? this has been going on for over a year? what do you guys suggest? is it worth me writing to the court saying i object to the stay? please help oh and northen rock arent even one of the banks involved in the test case

right folks BACK ON TRACK after a couple of months of chasing the court (not as much chasing done as i would have been doing normally as have had a very busy and interesting few months) anyway AQ finally received and returned yesterday with new spangled thingies from this site (once again many thanks) and the draft order hopefully i can see them in court or otherwise get the money they stole back

just did that claim is in the "system" bank has filed defense i "should expect to hear from the bank within a few days" re informing me of the defense and allocation questionnaires etc sigh....

i have been quite unwell of late i have not heard anything from the bank or the court what do i do now? it is over a month since the set aside and the bank were supposed to file their defense in 7 days? does this mean i can apply to have the default judgement reinstated and the warrant then executed? how do i do this? sigh.,,,,,,,,,,,,,,,,,