Have you sent LBA????? Sorry to ask so many questions but i cant understand exactly what has and what hasnt been sent...... im sure we can work it out tho Scott

A SAR gets your statements so that u can claim the true amount owing to you.......... You should have requested the statements first....U need to send of a sar to get the statements so that you can continue with an accurate claim... Im not sure how Cobbetts would view a figure plucked out of the sky(probably have a field day with there defence) Hope this helps Scott

hi follow the instructions ive given u and u will be fine they will not defend in court as long as you use the correct POC and the court will not throw the case out MCOL always transfer u to a court closer to your home so this is totally normal give the court a ring they will tell u exactly what to do dont worry this is fairly common scott

hi parky great news about the offer.........expect a better offer soon GOOD LUCK MATE Scott

Data Protection Act Retail Regulatory Risk 2nd Floor Cornerstone 60 South Gyle Crescent Edinburgh EH12 9WF Dear Sir/Madam Scott

Hi Im the bloke who got £36k My claim wasnt for more than 6 years people are winning cases with claims longer than 6 years so go ahead and claim......... read through threads and get an understanding of the process b4 you start Good luck Scott

PPman I amended MY N1 all i did was complete the N244 and attached the new POC (Seperate sheet of paper 3 copies all in RED INK) The changes on the original N1 you cross through with a Black pen 3 Copies also required I did not have to complete another N1 Hope this clarifies things Scott

All amended parts have to be in RED ink by the way Im not 100% sure what u are trying to do so if my answers leave u confused please explain what u r doing SCOTT

Referral Fee-- This is when an item is, rather than bounced is paid which takes the account over an agreed or unagreed overdraft by more than £26. 3 charges maximum a month on that last one. Hope this helps Scott

Hi Karen you need to send your SAR recorded delivery or they may well lose this letter......... Good luck Scott

hI CLAIM CLAIM CLAIM gO GET YOUR MONEY LOOK AT CONTRACTURAL INTEREST Im sending u a PM scott

Theres a stickie (ABOVE) by nattie Scott

For the hearing i assume on 12 July wow you are well prepared Good luck mate They will pay u out b4 the hearing hopefully they did with me any way, i hadn't got round to preparing my court bundle (well not printed i thought id leave it closer to court date as i think you need a small forest for the paperwork LOL......... Scott

are u in court tomorrow Gary.........

the letters u sent for your account will be ok the main difference is with the business account as long as you use the correct PARTICULARS OF CLAIM both of your claims can continue with no problems Make sure you use the consumer version POC for personal account http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html and business version POC all info here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/64975-business-claims-basic-guide.html this should keep u busy lol Scott

thanks lulu Tried that but it hasn't given me a definative answer.....i also tryed searching abbeys web site again no luck..... I'll ring them tomorrow Thanks for replying Scott

On a Abbey bank statement, others have mentioned it in their threads......do u think its a charge as 1 month they took £73 then the following month they took £70!!!!!!!!!!

hi can anyone tell me what is "overcash" is it a chargre if it is can i claim it back Thanks Scott

well done !!!!! Scott

Hi i think its time u persued this on both claims through the courts ...... If u need help just post on here and someone will help u out.... There are differences between personal accounts and business accounts have a look at this thread http://www.consumeractiongroup.co.uk/forum/bank-templates-library/64975-business-claims-basic-guide.html Scott

Are u ok now???

I think u have given nat west enough time.......... Time to start the legal action or they will continue stalling Good luck you will win Scott

Hi Wendy I wouldn't send the statements as they will have all that info (they are your bank after all)Ifu want to send them only send copies not the originals............ u need to redo the spreadsheet but this time save it to your computer b4 u enter any charges into the ss Hope this helps Scott

HI hELEN I WILL GO THROUGH THE PROCESS WITH U 1st click on this link Her Majesty's Courts Service then look 2 the right 4 money claim online (in green) click on that.... It will then open anew page click on I am a claimant reply when u have got to this stage SCott

Hi Steve im claiming at the unauthorised overdraft rate of 29.5% CI Scott