If anyone has any views about how ot what ive said feel free to comment, this is to be attached to my AQ for submission on monday Cheers all, BTW the expectation is not that the court strikes the defence out but it might you never know, I can hope cant i. Glenn

WELL DONE KATE xxxxx:lol: ;-) Enjoy it!!!! welly;-)

Working on the bank is like being on a list of staff who will come in and do the odd shift as and when required, normally bank staff are paid hourly and there is an allowance within the hourly rate to cover holiday entitlement. How much holiday were you entiltled to per year? When did the holiday year start? How many weeks of the holiday year did you work before you left? How much holiday have you taken in this holiday year? I've been in the same position and managed to reclaim (albeit a long time ago!) Holiday pay in the year of leaving is normally pro rata. IE if you are entitled to 20 days holiday per year and you leave a

Hey, I've got 2 grey blobs and 1 reputation point. Whoohoo! Did you know that the Euro Millions jackpot has rolled over again. Next week it may reach £100,000,000!!! ;-) If my syndicate wins, we will all be millionaires. We only need to match 5 numbers as all Lucky Star numbers are covered.:grin: Hey, maybe this tip will get me another grey blob or even another point.

GM? General Motors (or, in this case, their UK trading arm, Vauxhall Motors). Don't confuse "The GM Card" (HFC Bank) with "GMAC" (used to be General Motors Acceptance Corporation) - they're completely seperate entities.

Hi Discocolumbia, welcome to the family. No matter what the reason, these penalty charges are unlawful. Therefore, you can claim them all back. To get you started, spend a couple of days reading the FAQs and the step by step guide. That will answer most of your questions. Remember that this is a self-help forum....Your claim....Your cash....Your homework. Good luck.

Welcome. Before you start please have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of 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. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily. There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race,

They will do anything to charge you money. They did me too. And millions of other people. But it's payback time now! This site is huge and the information can sometimes be overwhelming. Take a good few days to read around the issues and the procedures. Start at the FAQ's. You will win, but it's takes a bit of time and effort. I started on NatWest in June and it was only settled on 23rd October. It was, however settled in my favour - for £3708!!!!! This includes 8% interest on all the charges! Best savings account I ever had! Have fun

I'm not sure you can include the Fraud Prevention Agencies but the rest seems fine.

Leave it to the court now...

its probably just a delaying tactic, did you call the data protection consultants on 01422332991? if not give them a try.

give them seven days, with letter go to court to enforce

1. A parachute account is a back up account you open in case your is shut down in the claiming back of your charges 2. You send the SAR (which mentions the DPA), then the Preliminary, then your LBA and 3. yes change the first line if it doesn't apply but please make sure you have read the step-by-step guide and have done things in the correct order.

Good luck follow the Step-By-Step guide and you can't go wrong!

MrsJ click on the FAQ link in my sig and have a read of the Step-By-Step guide you need to know what you're doing so you don't make any mistakes. Good luck.

Anything over £5k is usually fast track but you can stand your ground to say that you think it should be seen in Small Claims i think. As for the Allocation Questionnaire and the CPR Part 18 you may never see these, you may see one or both. Natwest are very up and down at the moment as to how they are dealing with claims and info on all of this is in the FAQs some CPR info is at the top of this forum.

Hi Mrs Johno, What have you sent already? If you have sent the preliminary letter (from here) the nxt one to send, after 14 days is the LBA (letter before action) in the templates library. Ignore anything they send you about extra 4 weeks to look into ot or anything like that. Stick to your timetable. Nona

conyinue with claim regardless its standard fob off letter

You're selling yourself short. When you sent your letters, you made it clear that if you had to issue claim, you would claim 8% STATUTORY APR. They chose to drag the process as long as they possibly could, why on earth would you now let them get away with the interest? It is YOUR claim, do not let them get away with bartering, there is not one single reason why they should not pay you that amount in FULL. By indicating that they'll only pay the 8% if it goes to court, you have just indicated to anyone reading that they can now save themselves a substantial amount, since they have NO INTENTION to ever get to court. If you think the

You've mis-read it. The OFT didnt say £12 was reasonable, it said that charges above that would be deemed excessive and could be investigated, but that didn't mean charges below £12 were automatically considered fair

No, if they acknowledge within 14 days, they then have 28 days from the original deemed date of service to file a defence

might be worth a quick phone call to equifax then. I'll have a quick check through my emails and find the exact wording which I sent, but this is not a good enough response from equifax is it? Don't panic, the good folks on here will help you through this!

Yes, I do. I'm quite sure that MBNA are the ones to tackle first. I'm sorry that I haven't yet found the reference that I am looking for. This site has got so big! But I'm still looking! I don't know how MBNA behave, because I have no experience of them, but they ought to respond to that letter. Once you get success there you can tackle AK. The way your posts read, it seems you have been defaulted twice by AK and once by MBNA, three times in all! I think that's a record for one debt! AK's incompetence knows no bounds. Elsinore

couple of points, you cant claim back only six years, you can claim back AS FAR AS YOU LIKE if you believe the defendant concealed the nature of their charges or you paid them in the mistaken belief they were lawful. Limitations act Sec 32.1.b and c i believe. Secondly banks have been very reluctant to remove default notices until forced to. I'm not sure how those who have only asked for defaults to be removed have got on. In my claim against abbey i am tieing a claim for the money and removal of the default together in a single claim. Seems to me to either force the bank into court to defend the charges in total or to ca

the spreadsheet should do it for you http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

You have the AQ Laws and dont panic This means they have filed a defence and you have 14 days to return the AQ. You should find a guide to completing it in the litigation library PM me if you dont find it and I'll help you with it. Got one myself today and already completed it ready to take in tomorrow Then I anticipate an offer from them

AQ guide here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

hi sara, yes i had handed my court bundle in on the day the offered settlement. i did call them and spoke to a lady called christine 02077 564 398. she is a very pleasant lady. i just asked her if she would be prepared to settle out of court, she asked me if i had an offer before, so i said yes, 50% and i rejected it. she took my number and said that she would get back to me. then yesterday someone else called me and offered me settlement. but the lady said that the total was 1414.41, i said that that is not the amount, that is the amount it was on the day i filed in court, but the interest has gone up so its 1430.77. i said that i

Hi Karish, welcome to the family. Their action is not illegal, it's unlawful. Illegal involves criminal law, but this is civil law. Spend a couple of days reading the FAQs and the step-by-step guide. That will answer most of your questions. Good luck wth your claim.

Absolutely - I use Flextel (FleXible Telecoms™ - Free personal & business non-geographic phone numbers) the number is free, and you get around 1p/min credited to you for each incoming call. You simply set up the automated divert from the 0870 number to the telephone number you want to answer your calls. I've made £35 so far!

Flippin 'eck Sey, and you've been here HOW long?! They are a method of showing if people like what you post. If you want to give them away, click the Awesome Scales of Justice at the top right of a post. As you get more of them yourself, your Power to affect other people's rating increases. You'll see that I have a veritable PLETHORA of green blobs... that means I'm utterly fantastic. Less green blobs either means "very new and not many posts" or "Gosh I have a lot of posts but not many people like what I've said" or even "Nobody seems to use the scales any more " A red blob means the Mods have taken away from your reputation,

As far as I know DPA SAR requests only go back 6yrs, there are a few people on this site who have statements going back further and are attempting to get those charges back but in most cases you are advised to go back 6yrs. Therefore july 00. As for contract date, hmmm, not sure, but presumably as you are claiming from july 00 that will be relevant, unless u can remember exact date in 1966 you joined! good luck with your claim and welcome to the NW forum.

Doesn't it make your heart bleed? maybe someone shoud remind them that it has all been brought about by their own unlawful penalty charges and that they deserve everything they get. Anyway, as they have written to the judge, you had better lodge your own objection as quickly as you can. Send a letter to the judge Dear Sir/Madam - quote the case number and refer to the defendants letter asking for the case to be transferred to their local court. say that you wish to object to their request on the following the grounds: Firstly, they are a business and you are a private individual with limited finds and who is suing in pers

here's my edited version