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  1. This is the first hearing date I've been given and no, I've not been asked to submit anything.
  2. Have been given a court date of July 30th. If Nat West were to offer to settle before this, does anyone know when this would be? I was planning to go away that week but can't make any plans now until nearer the date.
  3. Is this a good thing or a bad thing from my point of view?
  4. Phoned my local court (Durham) and they have said that bank charges claims are no longer required to fill out an AQ. Don't know if this is unique to Durham or a nationwide policy but thats what they've told me.
  5. Ignore my last couple of posts, I now realise it was the CPR 18 bit and it's covered in other areas on the site! One other point - my case has been transferred to a court closer to home but on the notes from Northampton it says: "It is ordered that the filing of an allocation questionnaire be dispensed with in this case unless the District Judge at the court of transfer orders otherwise" Yet on the notes from my local court it says that the AQ should be returned to them. As there is no AQ attached am I to assume that I should do nothing unless ordered otherwise? Thanks in advance.
  6. Cobbetts have served their defence and also put in a request for more information - evn though Nat West have had most of the information requested already. One question has me stumped: 3. "In your claim you state that the charges are: "unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, the Unfair Contract Terms Act 1977 and at common law" and "they must be reasonable under s15 of the Supply of Goods and Services Act 1982." 4. Please specify all of the facts relied on by the claimant in support of the contentions in paragraph 3 above, and in particular please identify (a) the section(s) of The Unfair Contract Terms Act 1977 ("UCTA 1977"); (b) the regulations of The Unfair Contract Terms in Consumer Regulations 1999 ("the Regulations"); and © the principles of common law relied upon by the claimant in alleging that the contractual provision(s) referred to are unenforceable. Please also identify the contractual provision(s) that the claimant alleges re unenforceable by reference to UCTA/the Regulations. Help! Also when replying to Cobbetts, do I copy the court in my response? Cheers.
  7. Nat West have sent their acknowledgement through on 1st May. Do they have 28 days from 1st May or 28 days from my inital claim (18th April)? Nowt straight forward is there? Cheers.
  8. Well they have until 2nd of May to respond. A few questions: Do they have to respond to me, the court or both? If it is the court and they do respond, will it show up on the Moneyclaim site? If they don't respond, do you apply for judgement on the 2nd or 3rd? Thanks in advance.
  9. Well, they've had my LBA for 14 days now. I've had absolutely no correspondence from them whatsoever, including the Prelim Letter, which is a bit disconcerting. Is this rare, or is it just another tactic to dissuade you from continuing your action? Anyway, will start court proceedings tomorrow and see if I get a reply then. Cheers!
  10. Thanks Nattie, my apologies for not reading your link properly.
  11. Thanks Nattie; on that basis would it be wise to claim the £29.00 as it wasn't made clear on the statement or just the £20.00?
  12. Hi Nattie, the unspecified charges (normally £29.00) were put onto my account at the end of each month but without any details. It would just say 'CHARGES - DATE - A/C NO. - £29.00' .This happened for about a 2 year period. Prior to these unspecified charges, Nat West were charging £9.00 a month service fee and a £20.00 unarranged borrowing fee. Would I be right to assume that these two charges combined would make up this unspecified £29.00 charge? And if so, can I claim the full £29.00 back or just the £20.00? Thanks in advance.
  13. Cheers Andy, letter in post today.
  14. Hi all, Got my statements back from Nat West and I'm in the process of doing my Prelim Letter. A couple of questions: 1. Do I address my PL to my local branch or the same address as the people who sent me my copy statements? 2. On my statements (going back to 2001) there are some charges to my account that give no reason for the charge. Would I be correct to assume I can claim for these? Thanks in advance!
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