Mindzai - thanks for your advice, and the moneyclaim was sent on 19th(Issued 20th) Haven't done anything about the letter from SC&M as yet cos I've been quite poorly for the last couple of weeks (presume some obscure virus) so I've had to share the short bursts of enthusiasm to do anything between various tasks. I'm afraid the response you've had to your telephone calls doesn't surprise me - I worked in the financial services industry for over 20 years and finding anyone within many of the banks and building societies who actually knows what they're talking about is the result of the century. On reading through the thread I

I am absolutely certain that this tactic is a deliberate attempt by Abbey to throw a whole box of spanners in the works. If it pays some money back without notice, The payment may not be noticed (not everyone scrutinises their statements) and any further claim can be complicated as a result It might just placate you enough to cease your action It could claim a bank error and withdraw the money in the future (thus plunging you into more problems) How you deal with it depends on your attitude. Seeing as you've been asking for your money back, this could not be considered to be an unsolicited payment. Personally, I

Hi ValF. Post number two, in the Newbie forum, and you already have a date for your court action. I would suggest, as a matter of urgency, that you have a good read of the FAQs and the step-by-step guide in the library section. Please start your own thread in the Barclays Bank forum.

Hi Lee. Next step is to send the preliminary request letter from the letter templates library. Click on this link for the letter...... Just copy and paste into word, edit the bank details and send it off. If you don't have Word, Wordpad works as well, just set it up to suit your printer. When you send your request letter,n send your schedule (list) of payments being reclaimed. The easiest way to do this is to use a spreadsheet to list all your charges. When completed, save it on your P.C. because you will need it again. Click on this link for spreadsheet templates.... Just print it out and include it with you

Welcome haasturner. Before you start please have a thorough read of the FAQs (there's a Step by Step guide here too). You should print these out to refer to so as to avoid having to ask basic questions later. Then look at other threads in your bank's forum, so as you know what you can expect to happen You need to spend 2 or 3 days gradually getting your head round everything. There's a lot to take in, but it's time well spent and will ensure that you succeed in your claim without problems This is a self-help forum and you must be prepared to put in time and effort. It is your claim, your money and you cannot expec

Certainly send a promt letter, but not the non compliance letter.

You've probably got less than ten days before the full offer comes in:D Hang in there!!!

If it was issued on 5th it wouldn't have been deemed served until 7th or 8th I would guess so you may have to wait a couple of extra days.

Hehe, no probs - happy to help!! (Have you pressed the scales at the top of the post?) I know what it was like when I first started and can be scary. Just glad to be able to take the worry out for ya! Make sure you let me know when you have filed your MCOL.

Moneyclaim it is!!! They have made it clear they will not be refunding however some people would advise to wait 14 days from LBA but I personally dont see the point because your not going to get another letter and its certainly not going to offer u ur money back! Hope this helps Clark xx:p

Send the LBA today - it's your case so you call the shots Good luck!!

Good. Now add it up and claim the interest as well.If this is a credit card,claim back the contractual compounded interest rate.It's on your statements. eg.. 1.567% X 12 which equals..18.8% APR... The contractual rate is what they charged you,so it works both ways. Hope this helps Ukaviator

Have a look in the Bank Templates Library for advice on how to complete the Allocation Questionnaire. (AQ) There is an excellent post by jonny2bad called "Allocation Questionnaire - A Guide to Completion" Link below: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

Hi Trudi Can you post the reply of their defense here?.It may help others if a mistake has been made.Don't worry too much about the court.The judges are sympathetic towards people when it is their first time even setting foot in the door.You will probably be paid out before then anyway,as full disclosure of true costs will be presented.They definately don't want that out in the open. What idid they mean by Vague?.. If you go to the GUIDANCE NOTES on this site,everything you need besides your costs breakdowns and statements, is all there to help you.Don't forget the Mcnamara audio interview as well.It will come in handy. Good luc

Thanks again zoot ... you are good! Probably quicker if I can convince them to keep account open and accessible, but if it requires an injunction then so be it! My card might not work but I may be able to access online and transfer to other account until new card arrives. Will have a look tomorrow as bed is calling me now! Grrrrrrr ... couldn't you just scream at these trogs!

You will probably get an acknowledgement letter. The Data controller is called Joyce E Tudor.

They're just playing their usual silly beggers to delay you as much as possible. If/when they overlap their 40 day deadline, complain to the ICO about them.

Neither, this is for when they don't acknowledge or defend and you apply for judgement by default

ONE NIL TO NIGHTSTAR ONE NIL TO NIGHTSTAR come on join in!!!

Firstly, I would like to thank all of the Moderators, Higher account holders and of course Dave for setting up this wonderful site!. People who give up there valualble?? valuable time to help others deserve to be rewarded in Heaven or at least shown a good time in Hell!!. This is the start of my claim against HSBC. I already had all of my statements (filed by my ever efficient wife!) and have totalled the charges on my 2 main accounts to £3759. I have written by initial request letter for the charges back and will deliver that by hand to my local branch on Monday morning with the beakdown included. Within that letter, I have also incl

its not good when they file a defense but this is what they do, its rare that natwest pay before this point. It just means they are showing to defend the claim. They have so far always paid out before the court date.

Anyone who is worried about having to pay off their overdraft and not being able to afford to do so please read my post http://www.consumeractiongroup.co.uk/forum/natwest-bank/11326-sherbornevnatwest.html#post123235 which mentions a fantastic organisation that will help. They are NOT a LOAN company and WILL NOT get you to take out more credit to consolidate. They are the opposite and they are brill! Don't worry;) Good Luck peeps Plese click on the scales if you found this information useful:)

This is your claim and you set the deadlines .Do not let the bank dictate the pace.Always stick to what you have said .You have said you will start a claim in 14 days , so you start your claim.The bank is just stalling you.

Hi Skint chick, I copied mine from sean thrampton on PennyLess thread... Good Luck and lut me know how you get on cos i'm at the exact same stage as you! Re: Penny Less V Halif*x! Hello penyless: THis is how i wrote my claim; I have a contract with the defendant bank which is conducted on their standard terms and conditions.t am claiming the return of money taken by the defendant in the way of charges over the last 6 years plus the interest they have levied on these charges.The banks charges are a disproportionate penalty and therefore unenforcable as they are contrary to common Iaw.Further,as a disproportionate penal