In for a penny!!!

[sallysas]

I have one court date/time for 3 different cases. Will one of them turn up?

[sea-sidelady]

So all 3 are for the same time? When is this for?

[sallysas]

It's embarassing to have so much debt - and then some. I have a court appearance with an old mortgage a/c next month. (This was one I started 12 months ago, but lacked the bottle to progress for some months. AND I STILL HAVE NO BOTTLE.) Ooohhhh, no pun intended, just lack of cash for fripperies like wine/beer.

 

Then on 23 January it is barclaycard, halifax visa and a secured loan. Who is going to get rattled first, one of them or yours truly. Steady the Buffs.

 

Then in the New Year I will continue going after Natwest (again) and will go for 'hardship criteria' to get Halifax to settle not one - but 2 - currant accounts. I have totted it up and they owe me £3000+ on my 2 outstanding claims. Amazing what can happen when claims are put on hold or one gets old data. And Barclaycard owe me some data, Sainsbury's has been on a backburner for a while and I am sure the co-op have more data then they admit. And I will claim contractual where applicable. Oh, and the secured loan have been charging me interest so it will be 2nd time around again.

 

Have I said I want a solo bike, BMW 650GS. Maybe I will order it next year.

[sea-sidelady]

Oh i thought you meant all 3 were at the same time at the court. I must read properly in future.

 

And it not embarassing to have debt, thats we are all here. And think of it this way, the more you have, the more you get back...!!!

 

Wont be long till you get that bike.

[sallysas]

No it's me I've been sat here too many hours!!!!!!!!!! Same date/time/judge. Better go prepared if it gets that far. Ooooohhhh, butterflies just thinking about it. Same judge for the old mortgage and another cager has said 'what have I done to deserve him, someone dosn't like me' on another thread which makes me nervous.

[brett48]

Sally,

[brett48]

Sally, apologies for the previous hiccup, I pressed send by mistake!

If you are after lifting a stay on a bank case they will probably wheel on their legal heavies, otherwise my guess is that it will probably be a no show. Your credit card/loan cases look like the second scenario so you have just got to keep fighting and the dosh will surely come ... Brett

[sallysas]

Hot off the presses so to speak. Not much news though.

 

Money Observer

[sea-sidelady]

Thanks for that though Sally,

[sallysas]

We havn't spoken for ages. How are you? Looking forward to next week with SatNav at the ready. I don't have one of those (obviously not successful enough to run to that expense yet) so I don't have to worry about you getting lost.

 

Getting over 'flu and need to ask silly question. Using advance bank calc sheets going back to last century can I just go ahead and list them or am I being silly and have to use brown 'estimate of previous charges' line.

 

 

'An estimate of previous penalty charges can be entered in the brown box if charges have been applied before the six year period. This entry is inferred by the argument in bold above.'

 

Thanks in advance

[sallysas]

I have a court date for visa end of January. I have reason to believe they issued default notice anyway. Going to get confirmation from Experion - already had free trial. Do I bring this to the attention of the judge right now or shall I wait till I issue non-compliance order for the older statements? They were ordered by ICO to send me all data but only went back to 1996. Can I put it all in POC or bring it to the court's attention in my court bundle (assuming it gets that far). Also they have failed to provide T&Cs so can I just use the copies we have available here? My judge is Judge Cooke so I have got to be on the ball. For those who don't know this he is the judge who found for Lloyds because the claimant didn't have any T&Cs.

 

You have been warned..........

[brett48]

Hi again Sally. I am also now being charged a late fee in addition to interest and receiving letters asking to bring the account up to date. Having remonstrated with them once more on the phone protesting that my cccs payment was fixed fairly and I couldn't pay any more, they let slip that my account would be defaulted in the next 3 monthly review and transferred to debt collectors Blair Oliver & Scott.

I know that you are fighting your default notice but I say bring it on in my case! Blair & co are aleady one of my cccs creditors from another bank and I know from experience that they play fair and square with no interest/charges and ready acceptance of the cccs calculated monthly payment. Also, my credit rating was already shot to pieces years ago so another default added to the pile makes little difference....

 

Good luck in court, assuming it's not stayed again

 

Brett

 

Brett

[sallysas]

Silly me!!! Looked at their defence and I was actually claiming more than I should as I didn't understand Vamp's credit card spreadsheet properly. So I will have to accept their offer which is the correct amount near enough. So I was lucky to get anything. Sorry I will have to issue an iou as this only reduces the amount outstanding. Could have been a lot worse if I ended up in court with incorrect information. Lets not go there.

 

Just chalk it down to experience and can this be moved to successes please.

[sea-sidelady]

Well it is another one down for you!!

 

And .....

 

[**Tilly**]

congratulations sally:D

[MacBoy]

Many congratulations and well done, Sally!

[Bigmac versus]

Great news Sally, congrats.

[ja-de]

Sally

[brett48]

Congratulations Sally!!!

 

Brett

[sallysas]

Thank you one and all but if brains were dynamite I had a damp squib on this particular one. All part of life's rich tapestry.

 

Will do better with my next visa claim - probably going for contractual (which I have done once before) once I get all data from them.

[MacBoy]

I'm taking HFX to court on 2 contractual/over 6-year cases so will at the very least be able to give some moral support, Sally. Good luck!

[sallysas]

Thanks Mac. Just going to get court date out of the way later this month and then going for non-compliance. Have counted up all outstanding people who still owe me money and it is at least 10 accounts (some for the 2nd or 3rd time) so I am going to be around for another year at least. Will they start going 'oh no - not her again'.

[sallysas]

Finally got round to filing at court today on my current account. This year, next year, sometime never. It will come around eventually plus the one that is stayed from last year.

 

Going to file for non-compliance on visa account though, hopefully this Friday.

[sea-sidelady]

At least its in the system now Sally.

[sallysas]

I came across the old paperwork from the 1st claim to be stayed. It states (erroriously) that I have 2 claims stayed. This is wrong because halifax settled my 1st ever claim after I submitted my N1. I didn't actually tell the court we had settled as it stopped there. Should I have done so as the stayed paperwork says both claims should be heard together as the judge could strike it as an abuse of court time (or whatever the strict legal term is).

 

What I am asking - in a nutshell - (a) should I inform the court that one claim was settled 12 months ago (b) should I be worried I now have 2 in the pipeline which are going to be stayed? HELP!!!!!!!!!!!!!!!!!!!