Lewis VS Nationwide

[MilkTrayMan]

Hi LewLar,

If U gave them 14 days to settle...allow them 14 days before U send off your LBA.

[LewLar]

OK will do, it's only Sunday I have to wait till anyway It's just that I had the letter waiting to go!

 

I better go and prepare my MCOL!

 

Lewis

[LewLar]

Another quick question, should I address my reply to the name on the reply I recevived (A Customer Service chap) or back to the Solicitor, Mr Bacon?

 

Ta,

 

Lewis

[lori1]

i sent my lba, to the customer service chap as you do not deal with Mr bacon until you file your claim in court, best of luck keep us posted:)

[LewLar]

OK, just about to submit my MCOL, does this sound OK?

 

Particulars of Claim

 

1. The Claimant has an account 25###1756 with

the Defendant, opened October 2003.

2. Since 17/02/04 the Defendant debited

charges and interest in respect of purported

breaches of contract.

3. Defendant is aware of all details as a

list of charges has already been supplied.

Another copy will be sent.

4. Claimant contends: (a) The charges exceed

the Defendant's losses caused by the

breaches; (b) The Term permitting the

Defendant to levy such charges is

unenforceable under the Unfair Terms in

Consumer Contracts Regulations 1999, Unfair

Contract Terms Act 1977 and at Common Law.

5. Claimant claims: the return of the amounts

debited of £1462.36;

6. Alternatively, if the charges are a fee

for a service, then they must be reasonable

under S.15 of the Supply of Goods and

Services Act 1982.

7. Costs allowed by the Court.

 

 

And for the lettering covering the Schedule of Charges...

Please find enclosed a schedule of penalty charges taken from me by the defendant. The charges equates to the total amount of my claim, namely £1462.36.

 

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

 

If someone gives me the go ahead I'll be clicking Submit this afternoon, all very exciting!

 

Lewis

[LewLar]

Go on, someone point me in the right direction..!

[LewLar]

Boing! To the top for an answer!?

[Melon Farmer]

I'm at the same stage and need the same advice quick! I'm absolutely skint and this is my most expensive time of the year.

 

Please help!

[lori1]

hi lewlar, it seems fine to me ...i have just filed with mcol two weeks ago and it is the same as mine .x

[LewLar]

Reet ho,

 

My claim has been accepted, but by clicking on the Start link I get the following options, what do I have to go for?

 

 

Do you wish to enter Judgment by Default or by Admission? Please select one of the options below:

The defendant has not filed an admission or defence to my claim

(Judgment by Default)

You will need to decide, how and when you want the defendant to pay. You can ask for the Judgment to be paid by instalment or in one payment.

The defendant admits that all the money is owed

(Judgment by Admission)

If the defendant has given a new address on the form of admission to which correspondence should be sent, update the defendant's details within the following Judgment request.

 

Cheers,

 

Lewis