Can you post exact details of this order please ZsaZsa, just to check there has been no misunderstanding. I can't see why you as a consumer and lay person should have to provide an expert witness in the field of banking. It may be necessary for you to apply to the court to vary this order. I will also bring this thread to GaryHs' attention so that we can see what exactly needs to happen.

You guessed right:D

The spreadsheets are a vital part of your claim, post back here if you have any problems with the spreadsheet.

Hi Madhoose Welcome to the CAG forum. Congrats on your successful claim on your current account. OK, Credit Cards. There have been many, many successes with credit cards, essentially they are the same as bank accounts, if anything as a result of The OFT Report in Apr 06 on credit card charges, the case is even stronger. Although we have seperate templates fro CC letters and spreadsheets, the court filing stage is pretty much the same. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html That link is for the N1 form, fill it out using the templates supplied and amend intelligently to suit the fact that this is a CC claim. If they try offering you the difference between £12 and £30(?) then DECLINE! If a penalty charge is unlawful then ,it is unenforceable in its entirety. You ask for the link to the spreadsheet templates, these should already have been completed and sent with your letters, if you have not done so, supply them immediately. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Good luck

Hi Pumpkin No worrys, click this link http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html scroll down to post 2, you will see a letter to send with your schedule to the court. do this as soon as possible.

Have a peek here County Court Fees

Without Prejudice is a phrase used to enable parties to negotiate settlement of a claim without any admission of liability. letters headed 'without prejudice' cannot be adduced as evidence in any court action without the consent of both parties.

dont do court bundle until court request it. when you receive AQ, (if you do) read this to prepare http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

Prepare your court application, N1 is better than MCOL, have a look in bank templates for all the details you need. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html I wouldnt bother ringing btw, it wont make any difference:D good luck

All the charges incurred on your daughters account can be reclaimed brian. After the second letter, give them 14 days then file a claim at court. She needs to do a spreadsheet showing all the charges to attach to the letters sent. Start by reading the FAQs link below my signature. Loads of luck to you and family:)

I know nothing (said in heavy spanish accent! ......think penelope cruz, cos she's just like me:rolleyes: ) that link dont work or was that meant to be a red herring........ :D

Agreed!

Hi jules basically ignore the letter from abbey, presumably that is a belated response to your LBA? just await their defence now, read up on Allocation Questionnaires (if you get one that is) good luck

good luck:)