Thread: Dex vs Woolwich Open Plan

all i can add is listen to the advice closey gives you shes good !

I second what Paddy says, closey and the others always give good sound advice.

Ok folks time for a bit of an update, so far i've sent the SAR, claim letter, and now not long sent the lba.

So it's time for me to file for court action (since I've just had the typical "not interested" replies)

My first letter was sent to Woolwich, after that I replied to the address on the letter i'd just received (which seemed to have varied between Woolwich and Barclays addresses!)

So I need to be sure that my court claim is filed against the correct address - can anyone confirm the right person/address to file against please?

many thanks
Dex


(had some good news the other day - MBNA have decided that they have done nothing wrong and are completely justified in the charges levied against me, but they've still sent me a cheque for £500 to add to the one for £300 they sent earlier - they've now paid me back everything I claimed for - so I don't really care what they say - and their money is now paying for the woolwich claim!)

Ok bit of help needed here please folks

Have just received my full settlement from MBNA which will pay for my court fees for taking Barclay/ Woolwich to court for the money they owe.

I've already sent the lba - and have just received and offer of £1000. I was just preparing the rejection letter as well as the spreadsheet to work out interest for the court claim. But there's a problem

I've miscalculated the figure owing on my previous letters. I had worked it out as totalling £3086.50 (just bank charges, no interest) and have just worked out it's actually £3080. So what do I do? Obviously the full total will be greater for the court claim (when the interest is added) should i make the correction to the baseline figure as part of my rejection letter?

Help. Please.

This is a non-problem!! You can amend your figures up or down right up to moneyclaim, just put the correct figure in the rejection letter:

http://www.consumeractiongroup.co.uk...ent-offer.html

Michael - thank you for putting my mind at rest - i was only out by £6.50 but wondered if that meant I had to start again with the request for payment and lba or whether I could carry straight on with the rejection letter.

I am thinking of sending them a copy of the Spreadsheet printout that I'll be using for the money claim to show the amount of extra interest I'll be claiming if it goes to court action (which I quite expect it to) in the hope this convinces them to offer the charges only fee to avoid the extra cost of interest.

Ok just prepared my rejection of settlement letter, together with a copy of the schedule of charges worked out using the database.

I've sent the schedule of charges that I'm going to file for the court claim as extra leverage to encourage a settlement - however I don't think there's a chance in hell of them doing it!
Letter will be sent special delivery tomorrow - The time period from the lba has already passed so i've included my phone number and said to that i'll be filing the court claim friday if they haven't been in touch with an offer of full settlement.

Any top tip threads on how to fill out the online claim? I really don't want to slip up at this stage!

The MCOL site has excellent guidance and FAQS. I did have to phone them to clarify something I wasn`t sure of (being a bit dense) and they were very helpful.

Also, see Jonnibad`s MCOL thresd in the library section

Cheers for that - do you have a link to Jonnibad's thread? I can't find it at the moment (still searching...)

http://www.consumeractiongroup.co.uk...laim-line.html

Cheers Michael right - no reply to my rejection letter so today I shall mostly be filing my MCOL!

thats the ticket keep to your schedule Dex !

MCOL filed - really was surprisingly easy

well it was once i started paying attention - i started the claim off by filing a claim against myself. which is slightly embarassing...

At least you would have won!


...which of course you are going to anyway

just to update - the court claim is now filed - it states it as being served on the 14th, so I have to wait until the 28th to do anything.

I'm *really* hoping that woolwich/Barclays are far too busy to get round to responding to it...

they have a habit of entering a defence at the 11th hour but dont worry youll win anyway at least the wheels are in motion and the clocks now ticking ! tick tock tick tock

i'd much rather if they didn't bother with entering a defence - but that's just because my boss will kill me if i get a court date!

(I won't have a problem getting time off to go to court - but he won't be pleased)