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Roll up, roll up.. take your positions for the next round of that increasingly popular show "wait for the cheque".
Or to give it the more legally appropriate title "Starter for Leeds Mercantile Court Hearing 29th August:
Anybody requiring information regarding the form and procedures should see the sticky thread entitled 'Mercantile Court Guide'Mercantile Court Guide at the top of this forum. Ignore the piece about Commercial and Admiralty (CPR58 & CPR61), but see post no.3 which deals with CPR59 Mercantile Court.
Apologies to Calculator for so blatantly stealing his opening post from the previous Hearing Thread, but in this game, it is all about borrowing the text that gets the job done. That's what the Banks and their solicitors do, and now, thanks to CAG and the other internet forums, finally we the public can get the benefit of the same techniques. If it wasn't for the sharing of stories and experiences that goes on here, we'd all be the scared little lambs and innocents that the banks have been bullying for years. At last we get to see their little mind games and scare tactics revealed for the sham that they always have been. We stand tall now, as we stand on the shoulders of giants. Read the previous threads and see what a stout heart and a shared cameraderie can achieve.
Once more unto the breach my friends, once more... Cry God, for Harry, England and St George!!!!
If you get any time later, do you think you could cast an eye over the last one and see if there is any advice given early on that should be ignored. In other words, was anything learned during the course of that thread which we can put at the beginning of this one? Links to particular posts within threads for example, that might carry the optimum wording, etc.
I'm hoping that my fawning and obsequious praise for your previous posts might encourage you to offer similar help to those of us approaching the arena for the next round...
The other important link is posts 15 and 19 on the thread http://www.consumeractiongroup.co.uk...nfo-sheet.html. (By all means read all posts on that thread). It is referred to in the thread 'Mercantile Court Guide', so most people would in any case come across it there.
One question that seems to get asked a lot is 'what do I need to take to the case management conference / directions hearing?' and it seems to lead to a lot of confusion. I suggest claimants read posts 109 to 123 on the thread 'Leeds Mercantile Court Hearing 28th June 2007', but pay particular attention to post 115. (Update: see updated information at posts 7 to 10 on this 29th August thread).
The other thing that often happens is that people jump in with their own question without reading the previous posts and they are often repeating questions that have already been asked and answered. Therefore if you are a newcomer, take the time to read previous posts.
Also if you are posting a question / asking for advice, give as much background information as you can about your claim relative to the question that you are asking. You will only get a satisfactory answer if the person answering the question fully understands the facts behind your question.
One last point, the various CAG forums cover the full court system - ie county court (Small Claims Track and occasionally Multi-Track) and Mercantile Court (Multi-track, not usually Small Claims Track). (The Mercantile Court is the High Court). If you are using/copying documents from other forums/threads make sure they are appropriate for the particular Court that you are in.
I hope the above helps.
Last edited by Calculator; 2nd July 2007 at 08:51.
Reason: Reference to updated posts 7 to 10 added
Anybody reading this who attended the 28th June Leeds hearing, while it is still fresh in your minds, can you please give an update on this new thread as to the documents you actually used at hearing and whether you feel any other documents should be taken.
The only information useful that I took was all copies of correspondence between myself and the bank and their solicitors as well as copy statements with the charges on. They were handy to be able to give to the rep of the bank who had no paperwork on my case at all!!!
Good luck to everybody attending. Hopefully your cases will be settled before you get to the court date, like most for 28 June.
Another thing, although it's easy to say now, don't be nervous - it's not as bad as you think it's going to be. I was so nervous I felt sick, but meeting Jenny Barton et al and talking to the others in the same position really helped to alleviate the nerves.
Good luck everybody for 29 August.
Angie
I agree, get together a "mini bundle" i took..
Paticulars of claim,
Up to date charges interest and costs Breakdown,
OFT Press release,
A few case laws
All correspondance
copy of cmi sheet.
Take 2 of everything just incase the banks rep has "mislaid" your details.
Funnily enough, no one was arguing the lawfulness of charges, the arguments which were going on were on wether the figures matched their's. But incase you have to put your case to the judge/bank take what you see fit.
Jenny
here here i second third and fourth all that others have said !
After much much sweating and fretting about what to take photocopying reading and rereading and reading again all you really needed was your CMI sheet, schedule of charges x3 and bank statements to back them up.
It is best i think to bring like Jenny said, your correspondence with Bank as if they "mislay" your claim details again you have solid evidence that you have sent them the stuff they need !
But in depth knowledge of the issues etc wasnt really required as it was and is just a Directions hearings, the lawyers there representing the Banks said repeatedly we arent under instruction to argue the questions posed they just either sorted out a settlement or in some cases agree further directions and also make rather pathetic excuses for their clients APPARENT INABILITY to keep hold of claim details till the necessary time !
I would say it would be a good idea to read Gary H thread here http://www.consumeractiongroup.co.uk...ate-guide.html
to understand the process a bit better as some of the lawyers seemed to try to chat @@@@ to imtimidate people blinding them with big words etc well you know what will happen next etc....
oh just to add that gary h thread is useful but like calculator pointed out the witness statement etc is arguing for allocation to small claims track and Judge wont let that happen once its in mercantile its staying there till they get a test case.
It is useful to understand the process though
i received an order dated 30/05/07 telling me my case had been transferred to leeds mercantile court and heard nothing since so am assuming my date will be august as well. I will ring court in the morning to check.
your posts above have been very useful and i think i will get my bundles done within the next 2 weeks so i don't have a last minute panic.
How do i go about adding my court costs to my claim and can you tell me as Northampton court had dispensed with the aq when they transferred my case to leeds mercantile , is there some sort of £100 fee i have to pay and when am i told i am to pay it as apart from the order dates 30/05/07 i have received sweet nothing since.
Spoke to the Clerk who looked after the June 28th hearing (Case Management Conference) and she said that 80 cases went forward. This seems to have been just the Alliance and Leicester cases (ie, the ones where the A&L representative did not show up, therefore cases got a 28 day stay).
She couldn't access the file to confirm the total number of cases that had been scheduled but we know it was close to 300. All, repeat ALL, apart from the A&L, were settled by the nice men in suits. This is not guaranteed to be the same outcome for the future cases, of course, yet we can all see how history is repeating itself...
The number of cases scheduled for August will continue to rise, until a cut-off point two weeks before the hearing.
i spoke to a very helpful lady in Leeds Mercantile Court today as apart from an order dated 30/05/07 saying my case had been transfered there i have heard nothing since. My case is in the "work to be done " file which means they have yet to look at it ( she kindly explained they had been inundated ) and she said she thought it was probable that i would be listed for 29th August
I would advise anyone wondering as a result of not hearing anything to maybe ring the court on 0113-306-2460; they answered the phone quickly and were friendly and helpful
Well I've booked my seat at Leeds on 29th August 2007. Received my confirmation today that the hearing will take place at 10.30am before His Honour Judge Kaye QC.
I'm taking bets that A&L don't show as per June hearing and also yesterday in Hull! I really do hope that the Judges take some action with them.
Nice to know you're going to be in court on same day... more the merrier .. Can't believe A&L's attitude towards these claims, like you said don't know why they don't just pay up and shut up!!!!
I haven't done my CMI yet but I've printed off the links from the CMI thread as to what to put on it as some of the questions are beyond me.... Calculator and j.barton1 have been really helpful on these links... if you need any help just shout up...
I've just filed my next claim with Halifax Credit Card so I'm hoping they will be a little easier to deal with...
Hope you hear something soon from scraggey wraggey and from Judge...A&L are really taking the mickey with these claims... surely they know that they will have to pay up in the end so why not just do it now and save all this messing about and the bad publicity it's bringing them. It must be costing them a fortune with the solicitors bills (they would be better using this money to pay us).
I'm sure they are going to do the same thing with the next hearing and just 'no show' and drag it on and on and on... I think we're in for a long wait!
Leeds Mercantile Hearing, 29 August 2007
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