Sent my AQ in along with the draft order and have be sent this in return So what next..... Do i send the statements i got from the bank in relation to the S.A.R - (Subject Access Request) or do i send the statements i have that include the 8% interest from the date of each charge? and should i be sending any other stuff. thanks in advance

Hi all, handed in my AQ with draft order on the day the OFT case came to light, i expected a Stayed from the court! however this has not been the case and it looks like the Judge wants to press forward, atleast i hope this is the case. So i guess i need to send to [problem] yet again my S.A.R - (Subject Access Request) statements, and a copy to the judge..... Can anyone advise if i should be sending any other stuff to the judge and [problem]. Regards DMW

Well i just hope you took them to the cleaners lol

Christina, Thanks for all your Advise, I’m just about to post statements and Interest calculation's off to [problem], I have included in this package a copy of the AQ(Courteous) and supporting documentation for Draft order for direction sent to the Judge to deliberate if I’m successful here then I’m back on to them for Credit Card accounts, along with Barclays AL and Halifax Its a learning curve for most people but I would say one that we all should look to achieve, it is disgusting the way these banks operates.

in my pleading i have stated 8% interest (not compounded) i have now with the use of the calculator added this interest up on each and every charge from the date of the charge, this i will send to [problem] as my settlement requirements I was just a little scared due to the silly error where i stated the charges as £5.05 to much. Is the AQ a tool i could use to advise that there is a small error in the amount i want judgement on or do i just leave it as you say. thanks again for your time and paitents lol

Thanks that is ready to be posted along with the bank charge interest calculation. what i need clarity on is this. Should i avise on my AQ that i have overstated without interest the amount by £5.05 and should i also advise [problem]. or do i need to amend my claim thanks for the help

Christina, Sorry if i confused you, the reason i stated the pleading here was to highlight that i had not added interest, this i hoped would give people the information to answer my questions. i have no intension of sending my pleading to [problem]. 2. The total in the pleading for charges does not at this point include interest is this an error on my behalf? If so how do I correct this? my 3rd question that i have stated a slightly higher figure without interest in my pleading and i wonderd if i need to change this or if i should state this fact along with the interest onto my AQ and or should i inform [problem]. I have the break down statements that i will be sending to [problem] along with Bank charge interest calculations. @Pete i have more times then i can remember lol

Thanks, Any advise on the questions below: 1. is the pleading strong enough? 2. The total in the pleading for charges does not at this point include interest is this an error on my behalf? If so how do I correct this? 3. I’m a little embarrass about this one my total falls some £5.05 over from the total of my charges, as stated in my pleadings can I fix this? 4. Do I reply to [problem] given that I have an error in my figures? I have to submitt my AQ before the 30th July ans would like to ensure that i have this all sorted.

Hi All, I have been going through the process of reclaiming bank charges with Lloyds, and I’m at the stage where I have been sent an AQ and the same day this came through the letterbox me received a letter from [problem]. The letter states: So to my pleading Now here are my questions 1. is the pleading strong enough? 2. The total in the pleading for charges does not at this point include interest is this an error on my behalf? If so how do I correct this? 3. I’m a little embarrass about this one my total falls some £5.05 over from the total of my charges, as stated in my pleadings can I fix this? 4. Do I reply to [problem] given that I have an error in my figures? Note I have not returned any information to [problem] or to the court at this point. Any help would be gratefully accepted

Hi All, First post so here goes. I have been going through the process of reclaiming bank charges with Lloyds, and I’m at the stage where I have been sent an AQ and the same day this came through the letterbox me received a letter from [problem]. The letter states: So to my pleading Now here are my questions 1. is the pleading strong enough? 2. The total in the pleading for charges does not at this point include interest is this an error on my behalf? If so how do I correct this? 3. I’m a little embarrass about this one my total falls some £5.05 over from the total of my charges, as stated in my pleadings can I fix this? 4. Do I reply to [problem] given that I have an error in my figures? Note I have not returned any information to [problem] or to the court at this point. Any help would be gratefully accepted