Oops, a bit late there, the lovely Mr Browne, to the rescue. As usual. Lol Lol Lol xxx

Hi Sheff Utd. Right here goes............... on account of you are amending using N244 I would have thought its easier all round just amend the N1 rather than the POC, just put the amended values in and copy x 3, one for court, one for you of course, and one for Cobbetts. By amending your POC that should cover you. And no need to resubmit POC, just N1. Dont worry about anything. I take it, its fast track ?? Famous last words YOU HAVE NOTHING TO FEAR FROM FAST TRACK, YOU HAVE NOTHING TO FEAR FROM FAST TRACK. THEY HAVE TO DISCLOSE THEIR TRUE BREAKDOWN OF HOW THEY ARRIVE AT THE CHARGES, AND LETS BE HONEST, WE KNOW THEY CANT DO THAT UNLESS OF COURSE THEY HAVE A NEW TACTIC IN THE WINGS.......... which I sincerely doubt. Not yet Im sure. But maybe later in the year I can see it being a possibility. I mean, the lady at Cobblers gave a little more away to me than she should really, by talking about them actually looking towards a test case in the not too distant future. But I think for now, youre ok. Best of luck, Im thick as two short planks and Im ok with it all, so you will be fine. Lol xxx Looks like most of it has already gone your way anyway, Lol Lol. Keep karma on your side mate. All the very very very very best. Fendy xxxx Im in exactly same position as you. Standard disclosure by list by 26th June and then inspection by 10th July. Dont panic. We will get it through it, if if even gets that far. You might find you have cheque for the balance before your disclosure date. I will keep an eye out for ya, intrigued to see what happens next, Lol. But I think probs a cheque. I hope so anyway. Fendy xxxxx

Okies, will have a look for ya, Fendy xx

Well archer, its just the list finished. None of it printed off yet, simply indexed all my letters and e mails, and statements, all in date order, i.e. oldest, starting with prelim letter etc., right up to e mail on Friday to Cobblers and phone call that followed, so everything now listed and in order. I dont need to print em, purely cos I just submit the list at this stage, then if theres anything the Cobblers wanna see, then I print em off ready for inspection on 10th July if its required, i.e. if they aint paid meee me spondoolies by then. So all prepared. Twas actually good that hubby was out for the day and kids were amused with the pool in the back garden, and of course by 1 the sun was shining so kept them all outside playing and me inside with pooter and printer, concentrating on getting it right. Eldest, i.e. daughter, almost 16 was lovely, she kept coming through with lovely cuppas and hugs for me, telling me how well I was doing and how proud she was that I was going to try and get the dosh back, (me thinks she earmarking it to get her through Uni,) if thats the road she chooses to go down, lol lol lol.xxx Kiddies, dontcha just love em........... iccle darlings when they have to be............... they left me to it, and I just put my head down for the day.............. Yaaaay I know it may sound stupid to a lot of peepies, but to me, its a huge achievement that Ive done it cos my file was in a right ol mess, Lol xx tisnt now though, tis uber gorgeous and organised, Lol xxx

Flippin eck Sheff Utd. youve been reading this all day, Lol Lol Lol xxxx or have you fallen asleep already and just forgot to log off. Lol xxxx

Right, Ive done it. Gawd Im good................ Im so pleased with myself. On account of the sun came out, and it made me feel like wanting to be in the garden, I got lazy, sat outside with cup of tea for 20 mins then gave myself a right ol kick of the kaizer. Fendy you will stop feeling sorry for yourself and you will get your *ss in gear and you will do this today and you will finish it. Stop wussing and looking for reasons to quit. OMG I gave myself such a right old talking to, twas untrue.............. kids think Im barking, even dowgeeeeeee was looking at me lop sided like. Im such a put off today what could be done tomorrow gal when the sun shines. Tis like moth to a flame............. but I overcame my bolshy mushy headedness and guess what. Ive just finished. Yaaaaaaaaaaaay. Only thing I can say is it doesnt look too professional at the moment cos my letter titles in the list go on a a bit, I know I know, no surprises there. So the list is finished. All 54 points of it and thats just the Correspondence Section. Section 2.Authorities has the usual 11 points, just added terms and conditions to that, and hey presto. Im done, Im done Im done. Yaaaaaaaaaaaaaaaaaaaay me........................ Gawd, Im so proud of meeeeself I could cry. I didnt think I could do it. But I have. And its fab. Just gonna spend this evening or even tomoz tidying up some of the points 1-54. Cos theyre 4 pages long, A4 size too, Lol Lol xxxxx So, tomorrow morning, once Ive tidied it up, which uber MOD wants to check it for me. M Browne per chance. Fendy xxxxxx IM HAP HAP HAPPPPPPPPPYYYYYY PANTS PIE. Yaaaaaaaaaaaaaay, Im way ahead of ya Cobbetts, mines done and finished you pants *ss firm. Yaaaaaaaaaaaaaaaaaay xxx

Typical................. bl**dy suns out now.................. making me feel very lethargic, mind wandering, and wishing I was blumming outdoors. Thats it. Ive had enough. Brain mushing by the second. Im calling it a day for today and finishing this tomoz. Mind just not on it now. Spent way too long at it. Now up to point 40 and still not finished. Bah Humbug......................................xx humph

Gawd, my brain is going to sleep now. xx

Thank You Michael. I will. All 680 of Em. Lol xxx

Hokey dokey, ta Parky. xxx

Okies, ta Parky. The thing I was wondering though. From what the Bank Fodder was saying, at this stage, all I submit is the actual list. I dont enclose all the original document copies I intend to rely on at this stage, is this right ??? or when doing the disclosure list, do I have to photocopy everything I am submitting in the list with the list itself. I got the impression from BF that all I had to submit was purely THE LIST itself, not the actual copies of the documents. Aghghghg, help is this right ?? which is right ?? getting confused now ??? Fendy xxxx

Okies, thanks Parky. Much appreciated. Just thinking though, on the example of disclosure list in the templates, i.e the one done by karnevil thats the basis of the spready Im using, do i have to list my statements on there as evidence or not. Can I just list my charges spreadsheet, or surely I would have to list my statements, i.e. numbered 450 to 1150 etc. Sheet by sheet, or dont I have to mention them at all ??? It doesnt show these listed on the example disclosure list done by Karne. Do you know ??? or not ???? Thanks parky. Fendy xxxx

Right, clear head, pile of paperwork, i.e. natwest file in front of me, and raring to go on the disclosure list. Gonna take me hours, but not worried. I am so focused on this now its untrue. Not gonna start falling at hurdles this late down the race................ So thats me busy for the next few hours, got the day to myself, family scattered to the four winds today, so nothing else better to do right now, and weather cloudy but warm so what better time to start my list then now. Will be finished by tea time. Guaranteed................. then PM it to a mod to check over, and ensure its hunky dory ready to submit to judge no later than 26th June. Just a thought, if its ready this week, which it will be, can I submit it early, or do I have to wait till nearer the date. Fendy xxx

Too right Hedge, and dont worry about 6th July. We all completely understand. Twinkies would be gutted if you didnt go. But I do think we have to reorganise, we cant do it without ya Hedge, pointless really. So lets reorganise for another time. Everybody start putting suggestions on the Manchester Meet thread please, for suitable alternative dates............. Yaaaaaaaaaaaaaaaay for the sunshine. Of out myself now to finish garden pottering and house cleaning. Oh the joys of working part time, lol lol lol xxxx

Morning peepies, and what a gorgeous morning it is in Oakies today. Little lad nattering to put the pool up, so have spent best part of an hour nearly fainting and seeing iccle sparkles in front of my eyes through blowing up giant rubber ring around the pool edge. Its one of those Intex easy up pool thingies, a big 10ft one, and boy do I wanna sleep now, Lol Lol. Those funny sparkles appear for a reason, thats when I shoulda stopped blowing, but nope, kept going and nearly wobbled over a few times. Feel all faint and funny now.............. probs gonna take about 7 hours to fill the thing and I darent even think what my water bill will be next quarter once its full, lol lol xxxx NVM, Seahorsey, off back to sea, well try and bob in when you can my friend, I know life on the waves is busy, but we do miss ya you know. And you havent been around much this time when youve been back on dry land, we understand, setting up Mrs. Seahorseys hat shop, wow, best of luck with that, but do pop in when ya can.............. eughgghggh just thinking about bobbin up n down on the waves is making feel all queesy again, ugh, Oh dear, up chuck kicking in, Lol Lol Lol xxxxx I think meeee banana smoothie might be making an appearance. Lol xxx Well its not the full bundle I gotta do Hedge, its just a disclosure list, which is bad enough in itself, Lol. Its way too nice today to do it, and weathers supposed to be a bit iffy here tomoz so gonna crack on with it tomoz, and at home Monday so hopefully will have it finished on Monday. Not worried, completely got it now in my head, so its just a case of sitting still long enough in one place to get it completed (and believe me, thats very hard for me), always on the go.................. ants in meee pants usually. Only had two glasses of vino last night so feeling top of the world, no hangover or anything, yaaaaaaaaaaaaaaay. Archer very kindly sent me a copy of Natwest terms and conditions for a year which I need, so I got them, thank you archer you uber darlingness.......... I cant thank you enough hun. Very very grateful.......... so working on any other loose ends I need to tidy up. Got offer today, albeit paltry from Capital One, £378, Im turning it down, obviously, and then can file at court next thursday anyway. So filing MCOL again on mine and hubbys Capital one next thursday cos they aint playing ball, so neither am I. And going for contractual on both too, Lol Lol xxxx Now I know what Im doing on here, Lol xxx Right off to check on how the pool is filling up......... probs end up with every kid on the street in the back garden this afternoon, once the pool becomes common knowledge, cripes I might be back on here then for some peace and solitude to escape the noise, Lol Lol xxxx

Okies, Hedge, no worries.............. seeing as you are a major member of the night, I do think we should cry off and re-arrange.............. we wouldnt wanna do it without ya hun. Honest. No hard feelings, we completely understand its important to twinkies and they have to come first obviously, but LETS JUST RE-ARRANGE INSTEAD. Right Everybody put forward a potential say 4 dates that are good for them, and we shall start to work from there, anytime after 6th July........... Start the suggestions rolling in ???? Fendy xxx

Thanks a mill photoman, but the Seahorsey already found a copy and sent it over to me. I got it now, but thanks soooooo much anyway. Much appreciated. Fendy xxx

Jetspark, I would simply read up on the Draft order for directions to familiarise yourself on anything you should be asking for, and I would also PM Michael Browne if I was you. Having just been through a phone conference myself and not being entirely prepared for it hun, I would hate for you to put any foot wrong. PM him, Im sure he would be happy to advise on anything you need to know prior to this. Gawd your life has been hectic this last few weeks. You poor poor thing. Big hugs.......... keep us posted when you can. And remember, you made the right decision, you must know that now, and how happy must your girls be................ You are a brave brave woman, never forget that and we all think you are smashing............... RIGHT DECISION MADE, NO DOUBT AT ALL. HAPPY LIFE SPARKY, HAPPY LIFE........... Pop in whenever you can hun, and dont cry, HES SO NOT WORTH IT.............. you must see that.................... life has a funny way of making things turn out for the best, even though you might not see it at the time, in the long run, it works out for the best................ be strong, be happy. Difficult as it may seem, better life is just around the corner. Honest hun, BIG HUG AND LOVES............ FENDY XXXXX

Just a query, how come I am gagged for putting the other sites name (fun banter area only) when Im saving posting the junk and banter on CAG, and yet on the other site Im not gagged for putting the thread to CAG. ??? Theyre happy to leave it there.......... Just wondering. Explanation would be nice........

I tend to think the latter, but they will make ya wait right to the court date for it, or as near as dammit. Lol Lol xxxx NVM, you should plan a late belated birthday party with it around end august, Lol Lol xxxxx

Hedge, I will behave on this thread tonight, cos dont wanna get into trubble with the mods and we shall have playtime on that other site we have been using as a banter thread, you know the one. And then THE TEQUILA LOUNGE or should that be wine cellar..... thread Got that. Fendy xxx See ya there anytime after 6 hun. No rush, just bob in when you can, Lol Lol .xxxx Hubby is deffo divorcing me the amount of time I spend calling to yeee lot............. he's getting well ticked off with me, lol lol, but he doesnt seem to understand, Its research for when I win. Lol I need to do research, course I do.......... Lol xxxx

Ooooh riveted to this thread now........... need to be sure how this pans out for my own case, lol xxx Go Kev, go Kev, ooooo yaaaaaaaaaaay, go Kev............... forgive me, twirling with meeee pom poms now.............. Fendy xxxx

You should refuse the whole lot................ at this stage. Unless of course you want to accept. Send the standard rejection letter. All the best, Fendy xxxx http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html xxxx

Yes thats right. You are setting the timetable, Not them. Go for it. Good luck. Fendy xxx

i.e. youve technically already sent the bank a letter saying non compliance and given them a further 7 days so if I was you I would go straight to the ICO and make an official complaint. You can do it all online. Here: ICO – Information Commissioner's Office You can download the form on there and provide as much info about the complain to them as you can, and then they can ensure the bank comply. All the best. Fendy xxx