Groovycaz v The unCooperative Business Bank

[MARTIN3030]

Hi C
So far manual intervention has very rarely entered into the equasion since the banks are reluctant to provide any information as to its costs.It was though early on that they may try and use this as a defence but it has not happened.
Only Citicards have tried this (although again a poor attempt)
As regards limitation,settlements have been made beyond 6 years.
Go from your earliest date but dont make any references to it......wait and see what the response is in their defence.Bankfodder has written some stuff about this and offers advice and guidance.
Martin

[groovycaz]

Thank you Martin, i'l keep you updated..Gc

[phatram]

Good luck GC, if I can help I will, just holler!!

[groovycaz]

Thanks Phatram,
N1 filed lets see what happens >>GC

[groovycaz]

Hi all
decided to alter my POC to include unauthorised borrowing rate also authorised and 8% CC Act, if anyone can help with the authorised rate of borrowing it would be most appreciated, as I was only ever charged the unauthorised rate I dont know what the cooperative banks authorised borrowing rate is, even better the authorised rate back in 1996 when the interest rates were higher..Many Thanks GC

[groovycaz]

Hi all,
Changed my POC, only cost £35 so patiently waiting...GC

[groovycaz]

Hi all
recieved today from the court Notice of Issue and will be deemed served on 12 July 2007, will keep you all informed...GC

[groovycaz]

Hi all
just got back from holiday to a letter from PW Kerns Solicitor with a copy of the Acknowledgement of Service intending to defend all the claim, and signed PW kerns Civil litigation Adviser, the address is Legal service Dept, 19th Floor, Miller Street Manchester. maybe in house solicitor?..GC

[Micky the Hippo]

you seem to be on almost the same timetable as me caz, I got acknowledged by the very same chap on Wednesday

[groovycaz]

Hi micky
just been reading through the Co-Op success threads and cant find any that actualy went to court, have you seen anyone else's thread where the coop turned up in court?...GC

[Micky the Hippo]

I'm read up on Smile, not so much Co-op although they're the same people aren't they?

The Smile posters told me that they always settle just after LBA and they did pay my basic charges a day or two after the N1 was served, the Smile threads are almost all deadly dull and one single page before settlement

so no, is the short answer I suppose, although quite why they haven't paid me, or you, is beyond me, I'm only claiming charges plus debit interest

although I'm claiming two Smile accounts and a Co-Op cc at the same time they insist on replying separately for each account which doesn't make things any easier

even Barclays and NatWest don't turn up in court very much

[groovycaz]

Hi all
recieved this today from PW KERNS Solicitors

Dear Groovycaz

I write with reference to your above calim and confirm that I will be defending your claim. I note from your particulars of claim that you are seeking reimbursement of charges for the period 26th Nov 1996-24th July 2000.

It is evident that you have in your posession copies of all your banking statements and I would be grateful if you could provide me with copies of such statements datailing the individual charges claimed by return. I will of course reimburse you for your reasonable photocopying and postal charges in this regard.

I look forward to recieving you early reply. if you wish to call me my direct line is 01619035593

yours sincerely

PW Kerns

[Micky the Hippo]

oh good, I suppose I'll be getting that one tomorrow

remind them that you supplied Co-Op with a full set of your charges with your POC

tell them to send a Subject Access Request to Co-Op

[groovycaz]

Hi Micky
I should do just that, ive already sent the Co-Op a copy of all my statements showing the charges when I very first wrote to them asking for it back..GC

[Micky the Hippo]

I'm sure the proper advice is to send them another set as they ask but write a covering letter saying that you've already sent the bank so many sets already on so many dates, and add that to your file for later so show how helpful you've been and how silly they've been

[groovycaz]

Hi Micky
posted copies of all statements showing charges and posted them to Co-Op solicitors today, il let you know when I get a reply...GC

[Micky the Hippo]

I confidently predict some waffle about the OFT and stays and a feeble goodwill offer to save you having to wait until the end of time

Just got that today from NatWest

Ah well, what can we do

best o' luck

[groovycaz]

The way my lucks going lately nothing would supprise me, I was in court todat with citicards and although its a credit card account, it was STAYED for 4 months, i never got the chance to have my say even though citi failed on the draft directions for full disclosure..GC