Thanks, I will wait for further instructions from the court.

Thanks for the quick response. No I did file direct to the county court. This defence was received (30/5/07) through the County Court.(Willesden county court).

Hi all, I have received Lloyds 9 point defence but without an AQ nor an order from the courts. Should I as suggested, send to the court an edited 'draft order for direction' or wait from the court for further instruction. Also, when do I send in the payment of £100.00 as claim is over £1500.00 since no AQ or an order yet received. Thanks to all so far!

I am having a similar issue with AMEX. My account has been closed with all arrears now cleared but an agency as claimed, authorised by AMEX to collect the so-call cancellation fee (about £315.00). I did call them but to no avail therefore I am prepared to settle this amount but would after this demand my statements as per the data protection act as used against the banks. can I do this? Do I have to send a request as per a modified templates used from this site though they were design for the banks. Are these templates also applicable for credit companies such as AMEX? i.e if so, do I need to add £10.00 and request for six years statment though I have been with them for over 23 years? Help Please!

Hi Nicsussex, Below is a paste of template used from MoneysavingExpert.com. "Dear Sir or Madam, Re. Account number: [iNSERT ACCOUNT NUMBER] I am writing to request that you repay all the default charges that have been applied to my account. I do not believe these charges reflect the true cost to [iNSERT NAME OF BANK]. The charges total £[iNSERT TOTAL CHARGE], plus as I believe I have been unlawfully deprived of the money I have calculated £[iNSERT TOTAL OF INTEREST]interest at the statutory rate, the amount the court will award. I therefore ask that you repay me the full amount of [iNSERT TOTAL OF CHARGES PLUS INTEREST]. I have attached a full schedule of the charges and interest with this document. [iNCLUDE THE PRINT OUT OF CHARGES AND INTEREST FROM THE CALCULATOR AND BE SURE TO KEEP A COPY FOR YOURSELF] I look forward for a full response to this letter within 14 days. Yours faithfully, [YOUR SIGNATURE] [YOUR NAME (PRINTED)]" After 14 days I sent in the last letter (LBA) and now awaiting my court action (i.e filling in the N1 Form).What do you think. Should I go ahead without calculating and adding the Contractual interest or just go for what I had already done by adding the Statutory interest(8%) as per the letter. Thanks

Hi all, Before I discovered this action group I had already calculated my charges and added the 8%(which should have been left out until the court action) and demanded payment from the bank. I have now realised that that was incorrect as suggested by the action group. Also, I had submitted my LBA demanding payment with the 8% added.(All these before discovering this action group) Should I go ahead to claim the charges plus the 8% as per s69 court act, which I had already in error demanded from the bank OR withdraw everything and go through the process again with this time using the action group suggestions & calculations. If I do go ahead, I may forfiet the O/D interest charges which I didn't submit to the bank in the first place. Now, will the bank argue as vague if I claim on the N1 Form the charges,O/D charges + the 8% as allowed on the total charge though I will be submitting to the courts a new revised charge sheets to include the O/D interest claim. Should I just forget and claim my initial demand? The charges without interest already calculated to be £1700.00. What should I do, any useful suggestions? Thanks to all!!!

Hi all, I have just posted the final request letter for payment from my Bank(Lloyds). Just a brief through this site has raised my confidence of taking on the bank. I will update with any future response and maybe the first step of claiming at the courts.(Will need help on this) Regards Amex