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Bank defended - say they do not recognise me - please help


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I filed a claim on MCOL on behalf of my mum (against HBOS), using a friend's English address.

 

I did not refer to her Scottish address at any time, and used the English address in the main address section. I have now discovered I should only have used this address in the "service address" section.

 

The bank have now defended saying the "Defendant is unable to establish which account the Claimant's claim refers to as the Defendant does not hold any record for the Claimant at the address stated on the form".

 

It then says the "Defendant reserves the right to plead further to the Claimant's claim if further particulars of claim are provided".

 

Can anyone tell me what to do next. Have I made a monumental balls up?

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did you send the prelim and LBA as per this site???

OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

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did you get any replies to these letters?? if you did, did they mention this problem then??

OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

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did you get any replies to these letters?? if you did, did they mention this problem then??

 

I did receive replies, but that was before court action was lodged. This problem arose when I lodged a claim on MCOL and incorrectly entered the English address in the "main address" section as opposed to the "service address for correspondence" section. It's my fault. I'm just wondering if there is any way around it?

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i'd write to them and the court to let them know the info thats missing, say that you've no objection to them pleading further and apologise, if they've answered any of your previous letters without mentioning this problem, bring this to the courts attention, this is what i'd do, if i'm wrong then i'm sure that someone will correct me, if it's not good enough for the court then they'll let you know

OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

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Thanks for the advice. I think you're right.

 

I'll give it 24 hours (for others to offer up any thoughts), then I'll try going down this route. Fingers crossed.

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good luck

OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

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