thanks x

have started to complete spreadsheet but can't for the life of me get my head around the bit where it says interest applied, account balance etc!

Hi uk found it- thanks x Been reading some other threads and took a quick look at the spread sheets - I can't make head nor tail of how to work the contractual interest out! really thick when it comes to maths

Hi UK, don;t understand what vamps chambers is - sorry! x

recieved statements and copies of computer print outs re-terminologies. not sure what it means, do I just add all the charges like I did for my bank claim?

Thanks guys x

You can tell I'm gonna be a pain! I anyone post the links to initial letter for statements etc. Been looking for the past hour!!!

Many thanks to all of you, you've all been so kind and supportive- couldn't of done it with out you xxxxxxx Going over to Cap 1 and start again!

Hi everyone! Just won £6000 from Nat West and now I really want to get my hands on Cap 1 as they have made my life an absolute misery- bring it on!!

Cobblers sent the cheque for interest on my charges, that's it everyone GAME, SET AND MATCH GRACIEFAYE VS NATWEST WON !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! DONATION ON ITS WAY

thanks for that. could you direct me to the templates library please as not only am I bad at maths but computers too ? x

sorry Steven but maths was never a strong point thats why I used the automatic calculator. On Martins site you imput the date of the first charge, then total amount of charges then it works it out for you!

Help!!! Cobblers have gone to the trouble of re writing my date,charges, interest calculation on each charge and total!!!! They tell me that they have calculated the interest correctly and it totals 1200 short. I made this calculation on Martins money tips ready calculator. They say that they way they've calculated it (not a clue how) is the way the court will do it. It's 8% interest plus my court fee but cant understand how our figures can be so out. What do I do?

Hi everyone, just thought I'd give you an interesting update. Received a phone call from Cobblers yesterday saying that the court was going to strike their defence out so they would like to settle but needed some clarification on some of the charges as I'd put the total charges for the month not idividual ones. She went on to say that it was to calculate the interest as I may be owed more?! As I'd calculated the charges wrong and under charged them by £800 you're not wrong they may owe me more! but they don't seem to of figured this out. Also I've heard nothing since the court date of 22nd. I asume it will go back before the Judge who will strike them out but do I need to do anything? What do you think about it all? Oh and has anyone got an idea of how much to charge in the waste of courts time application, some rough idea would be really helpful:D

Hi Benj My date with Rhyl court was yesterday. Was worried as wasn't sure if I was supposed to do something but looks like we just sit tight. Wondering when to put claim for waste of our time claim (or what ever its called)? Anyway keep me posted xx p.s hope you had a nice holiday

Hi Ukaviator The court is considering striking out cobblers claim unless it produces all claims it has pursued to trail and all cases it has settled by 4pm 22-6-07. So its not a date for the hearing or I dont think so but should I be doing something in preparation?

Hi everyone, just a quick up date. Have heard nothing from cobblers, the date the court gave is 22nd, do I need to do anything in preparation for the date?

Hiya its Graciefaye, how did you get on with the phone call hun?

Hiya! How ya get on then!

Hi Benj hey a rhyl lad, well done! keep me posted x:p

God really? Thanks everyone! It was Rhyl County Court North Wales.

Just a quick up date- Received a letter from cobblers asking for the break down of charges again yesterday. Today I received a General form of Judgement Order which says-: Upon the courts own motion. The Court has made this order of its own initiative without a hearing. If you object to the order, you must make an application to have it set aside, varied or stayed with in 7 days of receiving it IT IS ORDERED THAT WITHOUT A HEARING OF THE COURTS OWN INITIATIVE 1/ The court of its own motion is considering striking out the defence as an abuse of process on the basis that the defendant has settled all previous claims of this nature. 2/If the defendant objects to this course of action, it is to file at court by 4pm on 22.6.07 a schedule setting out a list of all claims it has pursued to trail and all the claims it has settled. wHAT DO YOU THINK?

Thanks everyone will get on to it asap. Problem is that she's had no payments from them at all but we'll see how we go

do I send a copy of the letter to court? Also what do I say, I know that may sound stupid but it's one thing sending a letter and another talking to them!

Thanks for that. It's because we've been on the phone to them at least twice a week over two months that we don't know where to turn now.