Thanks again ICY, im doing my rejection letter now then posting it recorded and as you suggest ill just sit tight until i hear from the courts. Youre a star :) Tracey

Hi ICY, sorry to ask again but im reading the letter from Northampton county court titled "NOTICE OF TRANSFER OF PROCEEDINGS" and it states WITHOUT HEARING IT IS ORDERED THAT 1. The filing of an allocation questionnaire be dispensed with in this case unless the district judge at the court of transfers orders otherwise I though that both parties had to fill this in?? Does this mean that i now go straight to court and that i should still send abbey national my rejection letter?? All this technical jargon is really confusing me now. Im unsure if i should just be sitting back and letting the court do the rest or should i be doing something?? Tracey

Thanks so much ICY, its gets so confusing cruising round the templates and I dont wanna mess up at the final hurdle and I intend to hang in and get the full amount then clear the overdraft and close the account and be done with the SHABBY once and for all :D Tracey

Hi everyone, Well ive filed my claim in court and then Abbey have come back to me filing their "Defence" at the court. Im claiming £507.14 in charges they originally offered to settle £180 then i refused and since filing they have now offered to settle out of court at £329.64 at 65% of the claim and have stated this would be "in full and final settlement of the claim". Im unsure what my next course of actions is, I know its not a lot im claiming but i would like to hold out for the lot as it will then settle virtually all of my overdraft. Can anyone advise what i should do next??? Many thanks, Tracey.

Thanks ukaviator, with a little help from a friend (cause im terrible at maths) have figured out how to calculate the spreadsheet and completed that. Im now completing the from on HMCS money claim online and theres a section where i have to type some jargon advising im claiming the interest back. Theres a paragraph which then says im also claiming daily interst upto judgement day but how much do i charge for this and am i also allowed to include somewhere charges for the amount of time this has taken me to do...cause ive spent a lot of my days off work doing this so feel i should be compensated for that too. Any advice here from anyone. Thanks so much TraceyD

Hi all, Yet another question....sorry but not used to all this legal jargon and getting totally confused and dont want to mess it up at this stage in the game. Cant find help on how to work out how to charge the interest and need it explaining to me in laymans terms. I know ive to charge 8% onto something but dont know what and dont understand what this s.69 reference is. Could anybody please explain what i should be doing>> Thanks so much, TraceyD

Hi All, Still getting to grips with all this. Ive had a reply from Abbey after my prelim letter with schedule of charges, they are only offering me part of what ive asked for, i believe i should receive all that ive asked for. Whats the next step here...keep reading the templates but getting confused as to the next letter to send. Any help much appreciated. Thanks Tracey x