MB, can you put up a link here 4 the libraries s/s? I can't find it. Cheers, iedec

Cheers saintly, you're a star. Can you tell me what the SOE is though. Sounds like a contents page to the basic court bundle or is it another form with a link. iedec

Congratulations crowe, it seems like every 5 mins someone new's just won and received a full settlement. And it gives the rest of us the boost to keep up the struggle. It seems crazy that they keep refuting claims and offering chump change and then paying in full. Their legal bill for all this messing about must be astronomical. Mind you, they can certainly afford it with all these illegal charges they've been taking. Like JackG, I'm still learning and hadn't heard of this SOE, although I've downloaded Bookworm's Court Bundle. Do I need both? Am in the London Mercantile Court this Fri and think I've missed all sorts of things. Have looked for the Barclays T&C's but can't find them. Can you send me a copy of your PDF version? Many thanks, iedec

Sorry Bookworm, I'm not quite following. What do you mean when you say "if the bank tries to do that" etc. Do what? And when you say "start again", d'you mean a 2nd claim for the previous 5/6 months or the whole thing from scratch? Cheers 4 the links to basic bundles guys. I've just realised that none of that was in my initial claim file submitted to the county court back in Feb. I got the template letters from another website b4 knowing of the CAG, printed them out along with bank statements all in triplicate and submitted with N1's. The template letter mentioned Dunlop Tyres and Consumer Regs. etc but I didn't think I'd need to provide a copy of the old cases. Surely these courts have a copy or 3 already, along with a copy of the consumer regs. I didn't supply T&C's either but then I haven't been asked to. Do you think I should ask for my case to be put back to the next group hearing so I can provide an updated and full bundle in triplicate? Apologies, am getting long-winded I know. Wish I'd known of this website earlier. iedec

Can anyone point me to a thread which has a simple and straightforward list of what an entire bundle should consist of? Then I can go through the list one at a time through the forums. Also, can the moderator take the bit in brackets out of the title now.:o Cheers, iedec

. . . or i'm missing the point. Just noticed the wink.:o I'm obviously new to this forum thing and you're takin the mick. Yep, getting the hang of it now.

Bookworm, Check the times. We're missing each others replys.

Cheers Bookworm, I like it. If I draw up a further schedule of loss incorporating the charges from Jan 07 to July 07 its probably another £150+, plus time spent on working the case 8hrsx£9.25=£74 plus £75 petrol/parking/CongChge = TOTAL - £299 min. My initial claim was for just over £2½k so I should be able to say; pay me the initial claim and I walk or I'm asking for the extra £299 (roughly) in front of the judge. What d'you think? Ask 4 the extra £299 as well? or accept the full initial claim? iedec PS: I won't be doing anythin other than staying firm. It's the only way I know how. Besides, we're not in Hull or Coventry or wherever that weirdness went on.

Quick Update: Finally got through to the court and have just been told that there is no need to complete a CMI sheet. As it's a directions hearing (I think that's what she said), the initial paperwork sent to the county court is all that's required. Only if you wish to provide further evidence do you need to bring something along. I'm proper confused as to why everyone's filling in all these complicated forms now. Still interested in advice for above query if u've got the time though. Cheers!!

Jonny2bad, Caro and Saintly, Thanks 4 your advice guys. Been trying to call the court all afternoon but constantly engaged. I can find the CMI sheet on the hmcourts website and will prepare 3 copies for fri with a written apology and hope 4 the best. One of the points mentioned in the banks defence was the claim can only go back 6 years. My first complaint to the bank was in Jan, so I backdated 6 years from then. Does anyone know if my 6 years backdated claim should be from then or from now. For instance, I have received further charges since making my initial claim. If I include those, will I have to go back 6 years from this Friday meaning I should cut out Jan 01 - July 07. I drew up a full schedule of loss right at the beginning including an interest charge of 8%. I hadn't even heard of the claim for time spent working on the case. That's priceless. So to clarify my question: If I have to draw up a new schedule of loss that takes me up to this friday, do I go back 6 years from this friday or 6 years from the initial complaint? Cheers Guys, iedec

Evenin Saintly, Cheers 4 the link. I read a lot of that yesterday and it goes into how to fill out the CMI sheet etc. The mercantile court requires this form to be filled out and sent to all parties concerned at least 7 days b4 the hearing. As I've missed this deadline can anyone suggest what course of action I should take at the hearing itself. Cheers, iedec P.S.: Apologies to the moderator 4 you having to move and combine my posts. Perhaps you could delete one instead to stop me looking like a pratt. Oh, and maybe you could suggest someone else to ask for help.

Hello, (((Sorry about the dramatic title - I only have 3 days until hearing))) I am due in court this Friday in the London Mercantile group hearing with a claim aginst my bank for £2½K+. I have been following the bank charges story through the media (Talksport, Radio 5 and the papers etc.) and did not know about the CAG until last night. I did a search to see if there was any info on this fri's hearing and came across this forum. Having spent some time looking around I realised that I may have dropped the ball with my case. I have not filled out a CMI sheet as I had never heard of one until last night and now realise that I was supposed to submit one to both the court and the defence at least 7 days before the hearing. I am now obviously worried that of 200 or so people attending on friday, I'm going to be the only idiot that loses my case as the court won't accept ignorance as a reason for failing to fulfil the courts requirements. Can anyone please advise me on what course of action I should take? Many thanks, iedec

Hello, I am due in court this Friday in the London Mercantile group hearing with a claim aginst my bank for £2½K+. I have been following the bank charges story through the media (Talksport, Radio 5 and the papers etc.) and did not know about the CAG until last night. I did a search to see if there was any info on this fri's hearing and came across this forum. Having spent some time looking around I realised that I may have dropped the ball with my case. I have not filled out a CMI sheet as I had never heard of one until last night and now realise that I was supposed to submit one to both the court and the defence at least 7 days before the hearing. I am obviously now worried that of 200 or so people attending on friday, I'm going to be the only idiot that loses my case as the court won't accept ignorance as a reason for failing to fulfil the courts requirements. Can anyone please advise me on what course of action I should take? Many thanks, iedec