my response in blue

i think this is meant to be Anyone who has broken the rules and has put this site in jeopardy will be warned and the post deleted, and slagged off behind closed doors

in my opinion yes i would, as the case in it's entirety was not heard and was therefore dismissed due to CB paying out. This would also allow it to go through court again, for a second claim. you would need to push for a full proof hearing against CB to get it through to them we are not giving up and they will not want a judgement on either the case law or the UTCC's

can i just correct this bit here, we decide who goes into this section (this depends on commitment and complexity of the case) also IMHO this section is doing excellent !!, it does not depend on if you donate !! never will do....only admin have the authority to add a member into this section. we do check the posting's and threads and also rep points. however access is not solely based on those being met ....... we try to keep access to a minimum. poltmcm

well done!!!!!! sweet

well the way i look at it, it would be a new section.........not taking any of the other info away !! so it would of course still be fully comprehensive information these members would be getting without the need to post !! merely a side room for the more complicated cases.

Yeah Dave i know the mods admin and maybe site helpers section,but is there not more that members could contribute to about the banks strategy?? i agree with you the way things run here are fine, but i know from being admin at another site that this hidden section is in fact great, i doubted it at first but the members are helping each other out with specific aspects of their claims and not having to edit or delete LBA's POC's etc keep up the great work poltmcm

ok IF the section was relevant to your claim then admin would be able to upgrade you. if it is not relevant to your claim then i think it is in the best interest of the members carrying out their claim to be able to do so in this way as not to jeopardize their claim. At the end of the day we all know the banks are in here daily......and other forums.......ohh i know they are believe you me. Also can i add that once there has been enough research and succesful cases then it would get opened up to main forum again. These claims are technical and need to be very thought through processes. do you see a forum for the bank solicitors that we can see their defenses before we get them. nope and not likely to either.

basically what bill is saying. over the road we have a private section to our forum it is hidden from members, nothing is taken away from the site. there is no limited access, if mods or admin find you could use this info in your claim you could be upgraded to allow you to view this section. if you look at bill's user title platinum account holder ok if you were to add a section on CI or even CCA only. then the admin would set up a separate user group, called something like CI account holder therefore allowing legitimate claimants of CI only to view and debate, discuss all aspects of each others claim. Therefore the banks would need to await for us to give them our findings and arguments, instead of them starting them before they receive the bloody things. all i can say is it works for us !! ain't that right bill

the only risk with summary cause is the cost's should you lose, which come on guy's we got the penalty charge scenario well tied up here. keep it basic do not try smart tactics or pitting your wits with a qualified solicitor. keep it simple and to the point and you'll win. The papers are exactly the same as a small claim, use the ready made statement of claim and your laughing...........the only thing that will compromise this situation any further than it has already is WHEN the numpties at the OFT print out their guff on the charges. However we still go for credit card charges don't we!!! so leave it up to the individual for what route they want to take.....

yes they can, but hey look at it this way............challenge the CCJ. paulwlton has a thread about it

just go along to the sheriff court they will help you with this. or put this in The pursuer requests the decree to be granted as craved.

i can see complex jurisdiction issues with claiming against RBOS in England, mostly due to the fact you signed the contract in Scotland and reside in Scotland. so unless the consumer actually lived in England or their registered address was in England then it is a no go.

i think that is a good idea add in about interest, only thing is it is up to the person handling the claim for FOS whether you get it or not. good luck also please try and get a FREE consultation at a solicitors just to see if you have a case, legal aid may be available to you.........you never know but worth a try. poltmcm

your in East lothian so get yourself along to musselburgh Llewellyn & Co. Suite 2 47B Bridge Street Musselburgh EH21 6AA Tel: 0131 665 5429Fax: 0131 665 7469 it will cost you £31.26 (this is added to the charge for payment) or there abouts to serve the decree(charge) on the bank. the sheriff officers will serve the decree on them and give them 14 day's to pay directly to you. you will receive your money near the end of the 2 weeks by cheque. trust me been there and done it.

once decree is granted you go direct to the sheriff officers. They then give them 14 day's to pay...........and if they don't in they go

it would be advised

yeah i agree with what you are saying. basically as i said before this the reason we gave the advice we did, but by no means would i say it was as extreme as the way you reffered to it as s***! you and i know that it ain't it is however a very valid point when it is not your money you are talking about, it is somebody whom has never met you nor me. that was my advice and i stand by that advice. well i am no longer going to go through and through this. i have said it before and i will say it again. good luck with whatever you decide to do snOOpsmum.

right back to the point i was saying about snOOpsmum, right this is where i see it from. £7k+ in charges applied unlawfully ........... yes offer made only £200 short so even if the money program predictions are right at £2.50 for returning d/d then the banks losses would still be more than £200. snOOpsmum, whatever you decide to do good luck, i really do hope you win. good luck in the future. the main reason i posted was due to some individual stating the advice was s***! i was merely explaining why we gave that advice and this was also the advice of a individual concerned with law on a daily basis. No offense was intended by myself. i wish you all well at CAG

ohh do citi not go to court now then ???

Hi i am not interested in the CI here..........to be honest i couldn't give two hoots about that part. the point remains the bank have a right to their actual liquidated cost's. It is stated clearly in the UTCC'S this is the reason we are claiming back the penalties because that is what they are. however we do not have the right to claim every single penny back, as there was some loss to the bank.

and first of all from me, if the bank offered only £200 short from the total amount of charges snoopsmum has received this claim is doomed to fail..........why i hear you say? basically the bank do incur a cost and do have the right to retain their actual costs, and if rbos are taking only £200 in cost's for a £7k+ claim then i would deem that VERY reasonable, if the basis of you continuing this is to get CI claim then a sheriff would take this into perspective. your offer is a acceptable offer. Also no we do not talk S***!! we deal with fact's and both sides of the argument. The fact is if your going to go for contractual interest on this claim snoopsmum your going to have to go ordinary cause, your unable to file in england because it is the rbos. t&c's state Scottish law applies and of course you live in scotland. if you go through with this then you could get lumbered with massive cost's. so please seek advice from a solicitor, a free consultation.

morgan has won her case so far, and money in the bank and is still fighting for it not being full and final settlement.

nope send Lloyds a 7 day LBA along with a photocopy of decree saying if they don't pay you will get the sheriff officers to pat a wee visit

judging by recent events of the RBOS they ask for a 2 week continuance and pay out, yes they do turn up but they ask for the above and sheriff usualy grants this.