Hi all I'm in the process of preparing my court bundle for a claim against Woolwich and do not have the terms of contract for the original account when it was opened. Can I use the Terms of contract from Barclays which is in line with the dates when I opened the account to use for the Court bundle? Any advice will be helpful Many thanks Hedgerow

Okay another question which comes to mind is: If the people who have done the work can prove the amount of money spent, i.e receipts etc. and made a contract with the other couple so they in effect signed it agreeing to pay back the refurb costs. Would they then be in a position to get their money back if it went to court. Surely, seeing as it is a joint ownership then both parties would have to be agreeable on everything before the sale could proceed. BTW. How do you know that it is even shares on the split regardless of the monies spent? Hedgerow

My partners grandparents passed away a few years ago and they left their house to my mother and father inlaw and also to my inlaws family too, a joint split of the estate if you like. My inlaws have over the last year or so gradually redecorated and refurbished the house prior to it going on the market and have invested their own time and money in order to make this happen. The dilemma which is now surfacing is how the estate is going to be split. My partner tells me that the other side of the family are the sort of people who fit the category of being 'out for what they can get' I personally have never met them but I do believe and trust what my partner has told me about them. If when the sale of the house goes through, are my inlaws legally entitled to redeem their money spent on refurbishing before the money is split between the two families? If anyone does know more about this and where they stand I will be very grateful if you can offer any advice or guidance on this. Thank you Hedgerow

Just to let the site helpers and moderators know that I have made a donation to CAG. It should appear within a few days. Thank you Hedgerow

dar£n's right, just carry on with your claim. Pay the court fee and get the ball rolling. The letter you received saying if you have not replied within 8 weeks, again is standard stuff. I received one too and just carried on. You should do the same. It's all part of the delaying tactics banks use. Good luck Hedgerow

Thanks Welshcakes Have you had a win yet?

Hello all Just an update to let you know I've WON!!! Finally! Check arrived on Saturday morning (27th July) Below are the details for moving to the Barclays successes forum Hedgerow Claim Number: 7EA00353 Total of Claim: £4024.89 £1550.91 to clear arrears on the account £2473.98 cheque received As soon as it is cleared I will be making a donation. (3rd August ish) And finally, Thank you to all for your efforts in making this site what it is and providing all the vital information anyone making a claim can have at their fingertips. Hedgerow

Keep us all posted as things unfold Hedgerow

Hello welshcakes I did use the new AQ strategy and Draft directions. Have you used these yourself? If so, how did it go?

It seems that everyone will have their own opinion or belief on this. To my way of thinking, if you're unsure about contractual interest or calculating it accurately, then going for 8% instead and then again when the claim is issued which is a daily additional amount until settlement, it would be crazy not to as you are in effect leaving money on the table, right? Hedgerow

I agree with what you're saying Hedgey 06, but if claimants are not sure about calculating contractual interest, or they simply do not have the rates applicable to their accounts for the respective periods then going for the standard 8% has got to be better than nothing at all, would'nt you agree? Hedgerow

Just a quick update on the Woolwich claim. Claim issued on the 5th June 07 - deemed to be served on the 7th June 07. Defendant has until the 21st June to reply. Defendant acknowledged on the 19th June 07 and then submitted their defence on the 6th July. AQ returned on the 19th July 07, now just waiting for reply from court to send off court bundle etc. Hedgerow.

I wish I could help with credit card charges essential mixer but I haven't made a claim on these yet. If you have been sensible enough to keep a hold of all your cc statements, unlike me, then working out your interest shouldn't pose too much of a problem as they will be listed on your statements (I think) You could try looking through some successful credit card claims threads and see how others have prepared their claims. Hedgerow

Thanks for that steven, I thought that this was the case. I have tipped your scales Thanks Hedgerow

Hello claimb You know, you could go for the 8% with your prelim & LBA letters, I've done this, I'm sure many other CAGers have done this. I'm waiting for a settlement from Barclays having done just that. It certainly won't do any harm to try! Hedgerow