hedgey ..i get it now! many thanks again ...will let you know how i get on . xx

thanks Hedgey for you very kind words of encouragement ...well a quick update . i did get a response to my LBA offering £345.00 which i am about to decline as the charges came to almost £2K! have also done the spreadsheet and am about to fill in the N1 . my query is what i should put in the first red bracketed bit of the specimen claim shown below as the charges all arose on different dates over a 4yr period so can i jsut put "from the date shown on the attached schedule of charges " or have i misunderstood what this is about? The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year, from [date when the money became owed to you] to [the date you are issuing the claim] of £ [amount] and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of [enter the daily rate of interest] any advice very gratefully received as i so want to get this right! xxx

well have sent LBA on 28.06.07 so will start preparing NI form for issue 14th july as i know they will just drag this on and on ...no incentive to settle this as it is a closed a/c. grrr! will let you know how i get on but just had a look at the excel spreadsheets which are fantastic . i ahve never done one before and just thought they sounded scary but was very pleasantly surprised. have been reading like mad and am soo impressed with this site

thanks Martin 3030 . I'll just get on with it then and save time...great to see your success stories . pleased you got a quick settlement with hte halifax as they are on my list too! i appreciate the advice

hello everyone, first of all can i just say what a fab site this is . it is an inspiration to read so many success stories and just what is needed to stop nerves jangling . i have sent off a request for reimbursement of my charges from a closed NWB a/c totalling £1.9k . i feel a bit ashamed that i have managed the account so poorly but was having a difficult time in my peronal life when these were accrued. anyway NWB have written back to say they are investigating and will take til the end of July . I wondered if this was a standard stalling technique and they will then just reject the claim and hope i will give up in the meantime or do they ever settle at this stage? i would be willing to settle for a bit less than the claim amount to avoid making a court application as i work in the periphery of the legal profession and feel a bit embarrassed about my finances being seen by people i have professional contact with . if this is a standeard delay tactic i would just prefer get on and issue the proceedings now . what do you think? i have to go out to parents evening in a minute so please forgive me if i dont respond straigtaway but i will check in again later and would be so grateful for any thoughts that you may have .xxx ps .good luck to everyone else who is claiming by the way!