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Hi Thanks for the address, used it to chase up creation finance(land of leather ppi). They replied by saying they have forwarded my complaint directly to Land of leather's administrator,Deloitte.Any thoughts? regards Kev

will do Kev

Hi I have PM'd you the ones I used.Good Luck. Kev

Hi Painty Job done(£400 off A&L for closing accounts). For some reason windows won't let me add to your scales:confused: , anyhoo thanks for your help and advice, it was brilliant. Kev x

Hi After writing to FOS regarding A&L decision to close our accounts in retaliation of reclaiming back nearly £3000 in charges(August 2006}. A&L have offered us £200 each in compensation. Cheers. Kev

Hi Both myself and wife's account was closed in Aug 06 after £2500+ in charges back I also had to pay back £600 revolving budget account. Is there a template letter of complaint I could use to send to A&L regarding retaliatory closure? regards Kev

Hi Just to let you know, received cheque from citi, for full refund. Thanks for all your help. Kev

Hi Here is my first draft. Do I need to put in how much my claim is for? Do I have to send a copy to citi? Regards Kevin letter to cardiff judge citi.doc

Thanks BF Will get draft over w/end and post Monday. Regards Kevin

Hi Can some one advise me with this. I received General Form of Judgement or order this morning. It reads:- Before District Judge Hendicott sitting at Cardiff County Court,Civil Justice Centre, 2 Park st Cardiff CF10 1ET. Upon the courts own motion. The court has made this order of it's own initiative without a hearing. If you object to the order, you must make an application to have it set aside,varied or stayed within 7 days of receiving it. IT IS ORDERED THAT 1.DIRECTIONS WILL BE GIVEN IN THIS CASE BY THE DESIGNATED CIVIL jUDGE.HIS HONOUR jUDGE G HICKENBOTTOM ON THE 21ST DECEMBER 2006 AT 10.30AM AT CARDIFF CIVIL JUSTICE CENTRE. 2.THE PARTIES MAY APPEAR IN PERSON OR MAKE WRITTEN REPRESENTATIONS AS TO HOW THE CASE SHOULD PROCEED PROVIDED A COPY OF THE REPRESENTATIONS IS SENT TO THE COURT AND THE OTHER SIDE AT LEAST 7 WORKING DAYS PRIOR TO THE HEARING. DATED 20/11/06 I am unable to attend the court on this date as I will be out of the country, do I make an application to have it set aside, varied or stayed or provide a written representation to the court. Any advice gratefully received. Regards Kev

Hi Re-recent court case(where citi didn't turn up) Received a letter from district judge. Upon hearing the claimant in person and reading the letter from the defendant IT IS ORDERED THAT: 1.The parties shall agree the issues between them by 16th November 2006 and the claimant shall by 13th November 2006 file at court a list of the agreed terms in the case. 2.THE CLAIM BE TRANSFERRED TO THE CARDIFF COUNTY COURT FOR FURTHER CASE MANAGEMENT. 3.THE COSTS OF TODAY BE COSTS IN THE CASE Kevmaxthom

Hi Your PM is full, Regards Kevmaxthom

Hi Yes I was bemused that they didn't turn up. I must say the judge wasn't very impressed either. In hindsight I wish I 'd have pushed it further but there we go. Kev

Hi Just returned from court. Pm me for update. Kevmaxthom