Sad arent we............... all hail to the power of the curry............ ooooooooooooo not much else in life comes close to the bliss of munching the curry.oooooooooooo for the curry................. aghghghghghggh. I HAVE NOTHING TO FEAR FROM FAST TRACK, I HAVE NOTHING TO FEAR FROM FAST TRACK, I DONT REALLY, I HAVE NOTHING TO FEAR FROM FAST TRACK................... IM POOOR SO THEY CANT MAKE ME PAY COSTS, LOL LOL LOL, I HAVE NOTHING TO FEAR FROM FAST TRACK....... see its working................xxx curry curry curry, Next question, is it a robust heavenly barolo to go with the curry, or a cheeky little chardonnay, Lolxxxx Ooooh decisions decisions...........

I know Hedge, I know, not much else could cheer me up at the mo though, except you lot, Lol Lol.xx Im being naughty again, cos I cant help it...........xxx My new mantra of the moment is: I have nothing to fear from fast track, I have nothing to fear from fast track, Michael Brownes words a while ago when he was explaining the difference between this and small claims to me. Bless him.........xxxx

Um, I see your predicament Hope. Tell ya what, send a PM to Michael Browne, he will know best course of action from here, and he usually gets back to you same day. Honest, hes fabulous.................... he will know answer. Fendy xxxx

Back now, still trying to put file together for disclosure. Will have gotten there by Monday, I know I will. Fendy xxx

Hi Sir Tom. I think you need to PM a mod on this. Its business stuff. I would send a private message to either: Michael Browne, GaryH, Gizmo or somebody similar as they will probs be able to help more with this one. It sounds a bit of a complicated one. Dont give up though, reclaim what is yours and get them off your back. But PM a mod for help. You will be glad you did. Fendy xxxx

Right , off on kiddy pick up from school so back on about 5 ish.............. seez ya peepies............ and thanks soooooooo much for all the help and encouragement today. Every bit counts, believe me........ Lol xxx

Depends on how quickly you want the money. My reckoning is that by hearing them en masse in September you will get your spondoolies, shortly before then, but if you dont want to wait till then you could try transferring it, but you might then run the risk of taking longer. You call Hope................... why dont you try ringing the more local one and asking how long at the mo its taking for cases to get to trial ??? They might be able to tell you, but they might not, but worth a phone call I would say. Your call though hun. Fendy xxx

Hope, thank you.................. Im not panicking, but just fed up...........xxx

Aaaaaaaaaaaw I missed scotties post above earlier, Just read it now. Thank you soooooooooooooo much. Lovely words, but I truly dont feel worthy of them Scott. Pressure................. aghghghghghgh !!!

Ive started it. thats it Im afraid for now. Intend to get it it finished over the weekend in plenty of time for the deadline. Tis so boring and poopy though. Lol xxx

Take a break though archer. Dont become all inked out. Lol xxx

And you know what, I just had to say this....................... my argument isnt with Cobbetts, so far, the lady there has been sooooooooooo incredibly nice, all the nasty stuff, i.e. delaying has been caused by Nutwest, not Cobbetts...........

So double b*gger pants. They dont like me cos a) we giggle too much on this thread and b) Im a laydeeeeee.............. Ooooh but this lady doesnt do fear............................ I aint super intell either, but I dont do fear.................xxxx Fraidy pants and me dont go together in the same sentence, if anything their intimidates makes me so angry, that I want to employ a flipping solicitor to tie em in knots................ really, the last thing they should do is make me angry cos then Im not nice one bit............... I can play dirty too if I have to.

Ah, does that work against me then, my thread having so many hits. Oooo flipps, I think me has shot meself in the size 4 feet then, Lol xxx Cripes................ me and my mouth, I knew it would get me into trouble one day............ Lol xxx Nah, I still have the precious e mail that states about some charges being legitimate service charges, lol lol, I think that will prove very useful in court. Lol xxx And admission by them of some being legitimate, does that them mean the rest are illegitimate. Im guarding that e mail with my life. Lol xxx

Right, e mail, going going gone. Lol xxx

Seahorsey, heres my e mail: I will edit it out in 2 mins once youve picked it up. there. Keep it, in your addy book now. Lol xxxxx

Flippin eck, Scotties claim was for way more, why couldnt he be a test case,, lol lol lol xxxx I see you hiding there at the bottom Scottie......................... If they paid out your 37K, why the heck are they quibbling over my 16K. ??? Is it cos Im a woman,,,,,,,,,,, they think they can intimidate me, Lol xxx

PPPman thats more like it.......................... lol lol lol xxxxx

Oooh yeah please Seahorsey. Please. !!!!

Ooooh Ive just thought of way around the banter. So long as I put something relating to my claim in each post then it should be ok. i.e. this post. Cobbetts were quite nice. There we go, reference to my case.

Good work, me, nah, never, mostly banter..................... keep being told off.......................... soz mods..............You cant see outside, where they got you, black hole of calcutta ??? Sick building syndrome, thats what you will get working somewhere with no windows........... its not healthy................... Tell them to get some windows put in. Its cloudy and dull here, not cold, but very cloudy, but at least its not raining..................... the pennines look fine this morning, like a mountain in front of me, and Im on the top of em. Seriously though gorgeous views over the reservoir this morning where I work. Tis bliss............... Oooo still as a millpond.................. soz, im doing it again, rambling. I just cant help it............ soz soz soz..........xxx

And as I am about 240 miles away, that means what to me ??? Lol Lol Lol.. thanks for trying though !!!xx

Gawd Im fed up. Somebody cheer me up. Please.............xxx;)

Right fellow peepies and bank claimants, AM at Cobbetts just called. Very apologetic for not getting back to me. blah blah blah. Right, just had very open very honest convo with AM at Cobbetts. Now call me naive or what, but she again, was very very very nice. She said, they are not in a position to advise what offer is on the table, or if my offer to them is acceptable purely because Natwest have decided because of the size of my claim, i.e. they need to be sure exactly what are legitimate charges and what could be constituted going forward as service charges. So looks like if it gets to court they may decide to go down the avenue of trying to say some of these are service charges. OKies, so how do I prepare for that eventuality. How do I prove they are NOT. Help please ??? She did say she has been ringing Natwest every day since the telephone conference on Tuesday just gone to ask them what figure they will be offering. She firmly believes that they will be making me an offer before the 26th June, she's just not sure whether it will be the full amount or whether they will try and claim some of them are genuine service charges, and try to deduct some off my total. She mentioned, you do know that banks are in the process of trying to work out new defences based on using the term Service charges, I said yes I was aware of the Lloyds Birmingham win where that tactic had worked with a judge who hadnt fully researched this position, but that it was expected on appeal to be overturned completely i.e. the guy that lost, to now win. . I let her know I wasnt going to be intimidated by the phrase service charge, and that I would be fighting it to the death. I told her I intended to prove that none of the charges were Service Charges, but penalties imposed because of breaches of contract, I said obviously its better if settlement can be reached I feel purely to spare the courts, this wasted time which could be better spent on more serious cases, and she agreed, she said obviously Cobbetts make money from Natwest on defending, but that this one had really got to the stage where they had exhausted it, but she said her hands were tied, and she had to wait for the Natwests directive on this. She said there were people much higher than her at Natwest who decide when and if they settle, and not Cobbetts. She kept saying, you can appreciate because this is such a large amount, the bank have been using the words test case to me on this one, (my ears pricked up at this point), and I said, how can I be a test case when I am exactly the same as previous cases that have gone before and been paid out on. I even told her that the whole regime of claiming against banks would not have been necessary had the banks been able to, from Day 1, come out and prove exactly how much it does cost to bounce a cheque etc. etc. She agreed wholeheartedly but added that it was not her specialist area of knowledge, and she would leave that to the banks to decide whatever that was going forward. I distinctly got the impression that banks are getting ready to start defending these cases though or perhaps even having a test case with somebody (yikes, not me I hope)..... She said that the Lloyds Birmingham thing had opened up a whole new area of possibilities to the banks to defend that they had not previously anticipated. I said perhaps, but until they stand up in court and declare their true costs then in the meantime we would all continue to claim. I said, had they been fair with me, i.e. only ever charged me what it had truly genuinely cost them to bounce a cheque etc over the years I have had my account with them, then I would never have claimed in the first place. I told her it was the banks greed and profit making via the back door that had prompted this mass claiming. She agreed, then added, I had better be careful what I say as I will be getting myself into trouble here, I just laughed, she really did seem very very honest.................. I have to say, she was a lovely person, a very nervous person, but lovely. And so we left it that I will continue onward and upward, preparing my disclosure list for the 26th June, and they preparing theirs, but if in the meantime she had any news about an offer from Natwest, she would ring me straight away. So looks like I gotta do the disclosure list peeps. Oh double b*gger pants................ typical................. Why me ????? Lol xxx So thats my weekend spoken for as I said before. I dont expect to raise my head from my file or my pooter for the whole weekend. Lets hope for rain so Im not missing anything in the sunshine (from a completely selfish point of view of course).

I hope so, but after their last let down, Im not betting on it. Lol xx Im keeping going with the disclosure that Ive started until I know whats firmly in the bank, Lol. They cannot be trusted, I think they enjoy the game playing. xxx