LBA'S sent

angry banker · 25th September 2006, 13:53

just a quick update that i've sorted all my little queries and have now sent my LBA.s for all three accounts. hopefully will hear soon and let you all know.

austenpowers · 25th September 2006, 13:54

well done angry, though I'd better warn you you are likely to be ticked off for not sticking to one thread. Good luck with the claim.

angry banker · 26th September 2006, 11:06

thanks Austen i didn't realise i was doing the threads bit wrong...so do i just keep using the quick reply at the bottom of this thread each time i want to add a new bit??...is there any way to link all of mine up now i've messed up and got bits all over the forum

thanks

angry banker · 4th October 2006, 12:38

just an update on whats been happening,, i have just recieved a letter saying my account is being passed to a debt collection agency . i am now aware that they can't do this as my account is in dispute so thanks for the advice MUM OF THREE BOYS.

angry banker · 9th October 2006, 10:33

further updates: i have just received my first offer of £890 on case 1 against the woolwich which i intend to decline as the full amount is £1810... am hoping to get offers on the other two accounts so i can do the same. I was really getting worried after not hearing from my bank but now i have no fear about taking it all the way to court if needed..

watch out woolwich i'm coming for ya!!!

paddym · 9th October 2006, 13:20

hold your ground angry banker and stand firm your only looking back what was rightly yours in the first place !

angry banker · 12th October 2006, 15:05

MY letter of rejection has been sent lets hope they hurry and make another offer or i will be seeing them in court ...although the £890 would come in very handy right now i cant just throw the rest away and i will be a lot happier with £1800 when it comes...lol I still haven't heard anything back on my other two accounts with the woolwich but the deadline dates are the same on those so i will not be messing around.

angry banker · 12th October 2006, 15:06

Have had another letter from woolwich about my joint account and they are charging anothe £81 in overdraft fees, can i add this to my claim when i go to court?

paddym · 12th October 2006, 15:07

well done angry banker for what its worth i think you made the right decision ! good luck !

Thailand · 12th October 2006, 20:16

Quote:

Originally Posted by angry banker

Have had another letter from woolwich about my joint account and they are charging anothe £81 in overdraft fees, can i add this to my claim when i go to court?

Yes you can, if it is taken before you start your claim (as far as I know). I would PM a Mod to merge your threads, no offence, it will help you and us to keep up to speed on your progress

angry banker · 16th October 2006, 16:48

Further update: my N1 forms are complete and i am ready(i think) to go to the court in the morning and get the ball rolling , real scared though in case i haven't done something right and end up with diddly squat. One bonus for me is that i haven't got to pay my court costs as i am exempt through disability which makes life a lot easier....no cash up front !!!! will keep you posted on how it goes...

angry banker · 17th October 2006, 20:51

Been to court today what a nightmare!!! trying to put in three claims so 9 N1 forms and no help from the gentleman behind the counter!!!
didn't expect it to be all plain sailing but i am now actually really nervous about the whole thing! am sat here with three files full of statements and letters sent and recieved one for each account and am at a loss as to what i have to duplicate to go with the N1 form. I hope this all works out just hope i dont actually have to go to court although i will only i will be a bundle of nerves.

will keep you all updated on how its going..

Thailand · 17th October 2006, 21:02

I'm confused! It read to me that you have filed 3 claims and are now wondering what copies need to be duplicated. Surely you submitted the copies with your claim today? If I have missed the obvious its because I'm having a bad day!

angry banker · 17th October 2006, 21:11

sorry thailand i wasn't very clear . i was going to file three claims today but was sent home with all my files and 9 N1's and told to duplicate x3 anything relevant to my claim. Then return tomorrow to the court with it all done . Do i include every bit of paperwork since the S.A.R - (Subject Access Request) or just the basics of the claim? I am blonde but not normally dumb so i do apologise for scatty brain at the moment but im baffled.

johnni2bad court bundle was huge when i looked at that but was that a second lot put together including every piece of info ready to actually appear in court....im just lost with it all now....

Thailand · 17th October 2006, 21:21

Okay! Don't worry about the bundle stuff at this stage - you may never need it(I have printed this off - but not read it, I'm running on the assumption this is just if you are heading to a hearing). This is what I entered on my mums claim:

3 X N1
3 X Comms between you and Bank (and since I had the statements, I didn't bother with the Data Protection Act/S.A.R - (Subject Access Request) stuff - just did from LPA onwards.
3 X schedule of charges.

Clip them into 3 seperate lots. One for the bank, one for the court and one to be returned for you. (I didn't do 3x everything - just two - it seemed pointless to print a third copy to be returned to me)

I could be corrected on that - but I think its correct!

angry banker · 17th October 2006, 21:31

Thanks thailand, that was what i needed a nuge in the right direction with basic instructions...Have you ever felt like yr brain was going to explode....and the more i read the worse it got...lol

i will now get my claims in order and go back in the morning and try again. i am so glad this site is here with people like you to help out or i would of dropped it all by now..
thanks again

Michael Browne · 17th October 2006, 21:32

You don't really need to include all the letters and statements, just the N1 and a schedule of charges.

The majority of people file using moneyclaim where not even the schedule can be included

Thailand · 17th October 2006, 21:50

Quote:

Originally Posted by angry banker

Thanks thailand, that was what i needed a nuge in the right direction with basic instructions...Have you ever felt like yr brain was going to explode....and the more i read the worse it got...lol

I know exactly what you mean

Michael, shouldn't we still forward SOC, even at MCOL?

Michael Browne · 17th October 2006, 22:08

Quote:

Originally Posted by thailand

IMichael, shouldn't we still forward SOC, even at MCOL?

Yes, although a lot of people don't until asked for them by the bank's solicitors and if you phone MCOL they'll tell you not to and to send them with your AQ, but I suspect that's because they're swamped with claims and could do without the extra work.

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