Well I can't believe it!!! This morning, we received a cheque for the full amount from Cobblers!!! I can't stop smiling and never thought I'd see the day but thanks to you kind people who have advised me so well, I will be forwarding a donation as a thank you to you all. Cheers!! xxxx;)

Hi! thanks for your advice. I have done just that - sent a cover letter saying that they already hold a copy of the detailed spreadsheet but have enclsed another copy, and I have sent a copy of my letter to Cobblers regarding this ridiculous request to the Judge stating how I am trying to resolve this matter as soon as I can blah, blah ,blah......so fingers and everything else is crossed with me now!!!!! thank you so much for your valuable advice. xx:rolleyes:

Well just received a message from Cobblers saying that they now require me to list down what the charges are for? I sent the table for bank charges from the website and completed it, and they have a copy of all bank statements so are they correct to ask for these details again? or are they biding time? your advice would be much appreciated.thank you.

can anyone help please? have phoned again today and left a message again - got through to switchboard and they transferred the call and then nobody answered so left a message again. what is the best action to take now? thanks:(

well have phoned them five times and left messages, yesterday and today - the switchboard said they're moving offices!!!! and said to ring back monday to which we said to the lady on the switchboard that thats what was said yesterday. Also they said that they weren't supposed to give out their names!! it all sounds v dodgy to me. x

just come back from work and am going to ring them now. x

Hi its me again! Well unfortunatley I haven't received a cheque as yet. I sent the letter which livelylad advised me to send - I got an immediate response but not the one I was hoping for! Unfortunatley I had mis-calculated the interest and had to send a revised schedule of charges. I did immediatley and received another letter from Cobbetts (Cobblers!!!) dated 23rd april saying that 'our client will be in a position to discuss further your offer to settle in your letter dated 16th April 2007.' I haven't heard another word.Any suggestions please?? Am seriousley fed up with it all but want an end to this now. I feel that I made a terrible mistake when I mis-calculated the interest and don't know how the hell I managed that but thats it I did!! i think i have jeopardised it all now. Can anyone advise me please? thankyou. x:(

Thank you both so much for your kind help and support don't know what I wouldv'e done without your advice. Will let you know what happens next. Thanks again. x

Hi its me again. Sorry but I missed the other part of your requirement. When you requested the POC, unfortunatley, I had to do this in my own handwriting, as my PC was out of bounds and couldnt copy and paste for some reason or other, but I used the POC template on the monsysavingexpert.com site, adding our charges and our own amounts. Does this help at all? Then we wnt online with the claim but as it amounted to over 5k they told us it had to be dealt with in the court itself. Hope this is of some help to you??????im quite scared of this whole thing by now as i dont understand a lot of the terminology. best regards.

Thank you so much for the fantastic reply. Here is the latest 'General Form of Judgment or Order' we received: Before HIS HONOUR JUDGE G HICKINBOTTOM sitting at Cardiff County Court, Cardiff, 2 Park Street, Cardiff, CF10 1ET. Upon neither party attending IT IS ORDERED THAT 1. The claimant shall by 4pm on the 20th April 2007 serve and file a schedule of bank charges for which reimbursement is claimed to include (i)the date of the charge (ii)the amount (iii)the reason for the charge as disclosed by the Defendant in (for example) bank statements and (iv)the reason reimbursement is sought. 2. There shall be a stay until 4pm on the 18th May 2007. 3. The Defendant shall serve an amended defence by 4pm on the 1st June 2007. 4. the claim be restored for a Directions Hearing at Cardiff Civil Justice Centre on Tuesday 14th August 2007 at 10.30am before His Honour Judge G Hickinbottom. Dated 26th March 2007 What do you think of this? thanks and regards.

Well we have done everything by the book really. We have followed the instructions step by step until now-am lost. Nat West stated that the POC was embarrassing and that they were sorry to hear that we were claiming- all the usual stuff u know? AS the court has been moved from northampton to cardiff to carmarthen -we have sent a few bundles and sent everything to Cobbetts to cover ourselves. Weve had a Notice of Acknowledgment of service from Northampton court 23.11.06 ; We had a notice of transfer of proceeding on 15.12.06 to carmarthen court; 15.12.06 cobbetss send the defendants defence saying it is denied that the claimant is entitled to the relief claimed, and saying that the defendant will apply to the court for an order striking out the POC.The defendant embarrased by lack of POC! 3.1.07 we received an allocation questionnaire completed by nwest/cobbetts. Notice of transfer of procceding to cardiff court on 12.1.07. General Form of Judgment order recvd 23.1.07 - the court has made this order of its own initiative without hearing - case on march 26th 07 in cardiff. We sent all paperwork again-written representation. 31.3.07 - general form of judgment or order asking us to serve and file a schedule of bank charges(again!!!) for reimbursement to incl dates/charges/reason for reimbursement . States also there will be a stay until 4pm on 18th may and then the defendant shall serve an amended defence by 4pm on 1st june 2007! last point states that the claim be restored for directions hearing at cardiff court on 14th august before judge hickinbottom. We started this claim on august 22nd last year. Dont know what to do now- send everything again to cardiff court for the last time? am fed up now.many thanks for your reply earlier.x

just wandering if you can help??our case went to court on 26.3.07 but we had a letter saying that they didnt know what the case was about!! Cobbetts their solicitors hadnt obviousley forwarded our file to Cardiff Court!!(we are claiming approx £5370 from Nat West in Bank Charges). Now it is going to court again and the court has asked for all statements and docs again!! by this Friday. Cobbetss want to throw the case out of court. We already have paid £240 for this case to go to court.What do we do now??