None of the above. I would rather starve to death on a rubbish tip - it's way more dignified.

Good for you! They only offered me £430, and my claim is £7K +, so they obviously like you a lot more than me ! Good luck with the kicking! Jo xx

Way to go!!!!!!! Well done you, and best of luck for episode two Jo xx

Hi there I am no good at posting links:o but if you look in the A-Z guide here you will find a thread/sticky called "Can i claim beyond 6 years?" It sets out the relevant sections of the Statute of Limitations and the argument regarding concealment. http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31575-important-things-you-really.html?garpg=6 Tried to paste the link - hope it works, and helps! Best regards Jo xx

Hi Lee Just adding my support - I think you are definately right to reject the offer and hang out for the lot, as tempting as 5K might be. Can't help you on the legal stuff I'm afraid, but wishing you the best of luck, and can't wait to see ***WON*** on the end of your thread Regards Jo xx

Hiya dee Hhttp://www.consumeractiongroup.co.uk/forum/general/79524-key-arguments-against-compound.html aw poo am no good at posting links! Anyway, it basically says that yes you do have to add CI at the Prelim stage, but if you haven't and you decide you want to, then you can, providing you start the process all over again! And also, you cannot then claim statutory interest on top. Maybe that might help a smidgeon? Jo xx

Will do hun Mind you with the way Abbey have been treating me just lately, I am sure there will be something else to report soon Otherwise we can just have a chat! Jo xx

Hey deedee Not sure on this one but from what I have read you have to include contractual interest right at the start of the claim ie Prelim letter, or else it cannot be considered - that is purely my understanding of it, but I will stand corrected if someone else says otherwise. Hope someone can advise you further. I have subscribed to your thread so will be reading with interest - while mine goes quiet till the Court papers land on their desk! Jo xx

Thanks deedee but I have enough of those "complaints" leaflets to wallpaper the toilet walls - best place for them, me thinks Anyway.......... I filed my N1 at Croydon County Court at 11am this morning!!!!! So it's official (omg!) and now the waiting game starts I suppose. Oh and just to rub their noses in it a bit more, I wrote the cheque out of the Abbey account!!!!!! Jo xx

Sorry deedee was so mad, and madly typing, must have pressed submit by mistake :o

OH MY GOD! :mad: :mad: YOU HAVE TO READ THIS!!!!! Other half back, and just called FCO re the letter (post72). This is a brief transcript of the conversation: OH: I'm calling you regarding the letter you sent me FCO: Can I have your card number please? OH: Which number would you like, the one on the letter or my actual card number? FCO: Oh I see - are they similar then? Did we make a mistake? OH: Well they are both 16 digits if thats what you mean by similar! FCO: Oh.......(long silence), then did a few security checks OH: Also, you missed off a letter in my surname! So, whose card is it that you are investigating? FCO: I don't know (!) OH: Well I don't have a lot of faith in the FCO investigations at the moment then, if you can't get my name or card number right. FCO: Just checking something.....ah, there was a stop put on your partners card? OH: Thats correct, and she called you on the 15th and was told it was all sorted. FCO: According to the system, the letter we sent to her was not received, so this letter you have should have gone to her. OH: But the letter was received, and she called you, and you said it was all cleared? And this is not her name or card number either, so who's is it? FCO: I really don't know. It appears we transposed the details from another account, but only on the letter. (Oh my God what an admission)!! OH: So what happens now? FCO: I have checked your account, and it is all fine. OH: So neither card is stopped or flagged? FCO: No, everything is absolutely fine. OH: Actually it's not. Thanks. ***End of Conversation*** What the hell are they playing at? So the whole thing was wrong - name, card number the lot. And the letter was dated the same day that I called them to sort out my card!! So now do I have grounds for a complaint, based on the undue stress they have put on me through total incompetence, or is it a bit flimsy/circumstancial?? Has anyone ever experienced this before? I really want to take some sort of action, but am not sure what or how. God I am livid Any thoughts?? Jo xx

OH MY GOD! YOU HAVE TO READ THIS!!!!! oTHER

I have just printed off my N1, schedule of charges (future dated for tomorrow) and Particulars of Claim, ready to take to Croydon County Court in the morning. Every page of the attachments has my name and the account number on it, and I left a space on the Particulars of Claim to write in the claim number. Just a thought - do I need to sign each page of the attachments, or is this not necessary? Basic question probably, but it has done my head in getting this far already, and would just like to be as "spot-on" as possible! Thanks in advance Jo xx

I think this ones quite good, but you really need to tell it to an Irish accountant (like my Dad for instance!): Tony, a builder and Patrick, an accountant, sitting at the bar. Tony asks: there are three trees with a pile of dung underneath each one. What does that make? Patrick: I have absolutely no idea Tony (in an Irish accent): Well tree trees are nine and tree turds are one, so ten of course. Call yourself an accountant?

ps did you change the daily interest rate calculation as above? Would hate you to get it wrong because of me! FYI it should come out to £0.78 per day Jo xx

Hey Vicki You are very very welcome - it was no problem at all. No, you do not have to inform them - it doesn't matter if it is different to your original request to them, only the figure on the actual claim matters. So save your postage - they will know soon enough hun Good Luck and Very Best Regards Jo xx

Oooooops! Made a boo-boo! Was just re-reading Particulars of Claim Hard Copy - doing mine today too. I mis-read the daily rate calculation for interest - nearly dropped us both in the doggy doo! It says "charges + O/D interest x 0.00022" and neither of us are claiming o/d interest so the formula I did for you (and me!) is wrong; it should read =C154*0.00022 on your spreadie Sorry :o Jo xx

Hi Vicki Yep no problem - will get it back to you asap. As far as the o/d interest goes, I believe that is "contractual interest" and as such cannot be included in your court claim unless it has been asked for in your previous correspondence to the bank, so I would leave that well alone. But I am sure someone else will correct me if that is not the case. Jo xx

Hi there 1. Yes it must be the County Court 2. How did you hide the columns? Did you use the tools or close them up? If you want to email me the spreadie I'll have a look for you (I'm pants at all the legal stuff, but not bad on spreadsheets!) 3.No, the overdraft interest is the interest charges Abbey put on your account when you are o/d. The interest under s.69 is the 8% from your spreadie, then you do the following calculation to work out the daily rate: your total claim amount at the date of submission x 0.00022 to give you an amount, for example mine works out to £1.75 a day. Will pm you my email address - hope this helps Godd luck Jo xx

Oooooh you are brilliant I didn't see that one - DOH! Thanks hun Jo xx

Having a dumb blonde moment - nothing new there then! As this is a Joint account I am claiming for, can I be the sole claimant or does it have to be in both names on the N1 with 2 signatures? Looked through loads of threads but couldn't find the answer, so sorry if it has been covered before. Thanks Jo xx

Hey determindator Thanks for the support! I didn't write specifically to tell them I was taking them to court, just made it clear in my last letter - rejecting their pony and trap GoGW offer - that if they didn't pay up by tomorrow (cat in hell's chance of that!) then "I would commence Court proceedings without further warning." So bring it on! (omg I am soooooooo scared - seriously) Jo xx

What did the ghost teacher say to the class? "OK, everyone look at the board and I'l go through it again" What goes up in the air and wobbles? A Jellycopter What do you get if you cross a triple-jumper with a boxer? A hop, skip and a thump

Hi Yes that is the standard "bog-off" letter (!), which is then usually followed by another one saying they need another 8 weeks, then one to say their charges are fair blah blah go away (in a nutshell!) Stick to YOUR timescale - as I said to someone else today, only you are allowed to move the goalposts, not them. Send your LBA after your 14 days are up - don't bother with an interim letter; it will cost you money to do and they will just ignore it. Good luck Jo xx

Wow noobrider, thanks for the speedy reply! That puts my mind at rest about compromising the Court claim, and once other half has called tomorrow to find out what they are investigating on his card, I will send a letter to Abbey as you suggest asking them what the hell they are playing at! (or words to that effect). Thanks so much for the advice (sorry again for bothering you with it); it may well be a coincidence, just seemed a bit suspicious. Huge thanks Jo xx