Owed more than the Court limit

[campbeji]

Hi all,

 

My first post here so sorry if it is in the wrong place or anything.

 

I'm based in Belfast and I believe that the limit for the small claims court is £2000. By a quick count I recon that the Nationwide probably owe me about £5000, so what should I do, only claim £2000, claim £2000 2.5 times, Forget the small claims court and go for the next step up.

 

Any advice would be appreciated.

 

Jim

[campbeji]

Hi all,

 

I also meant to ask about multiple accounts with the Nationwide, at one time I had 3 accounts with them, all of them had charges applied at one time or another. Should I handle them all as one claim or different claims? My final question, some of my accounts, both bank and credit card have been closed, can I still make claims against them?

 

Thanks in advance

 

Jim

[blueskies]

The small claims court in Northern Ireland does have a lower limit but I think I can see the answer to the first post in the second. You say you have multiple accounts. Are the charges on any one of these over £2000? If not then launch action for the three accounts seperately. If one of them has charges over the £2000 figure then deal with the claims separately, seperated by date of charge. E.g. From 01/01/2004 to 01/06/2006 then 01/01/2000 to 31/12/2003 for example. If the earliest charges are not too near the six year limit then do the most recent first. (I have no knowledge of the law in NI, check whether there is a six year limit or whether it is longer or shorter).

 

You can claim for all charges within the time limit whether the account is still opened or has been closed.

[Janet-M]

Hi all,

 

My first post here so sorry if it is in the wrong place or anything.

 

 

Jim

 

Can you start a thread in Nationwide forum please and this thread will be moved there .

[woolfie]

You will find the answers to your questions and so much more in the FAQ section. It is vital you spend a couple of days browsing the site before you start any action. Once you have done this if there is anything you are still unsure of then ask away!

 

Cheers

 

 

Woolfie

[campbeji]

Woolfie,

 

Sorry I checked the FAQ's when I wasn't logged in, thought they were a bit empty, doh, I'll log in and read them properly. Thanks

 

Mjanet

 

Posted here cause the questions refer to accounts I have with various institutions, obviously didn't express it very well when I used Nationwide as an example.

 

Thanks Blueskies for the answer.

 

I'll go off and read the FAQ's now

 

Bye for now