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About arma

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  1. apparently it is supposed to give the claimant and defendant time to try to come to an agreement thus avoiding a court case. Should i write more letters to cobbetts trying to get my money back or should i write more letters to Stuart Higgley trying to get my money back. Since the court action started i have only communicated with Cobbetts. Is this right or should i be writing to my bank manager as well ? I phoned cobbetts up to see how things were going with my claim and they said they were awaiting instruction from their client. How do i prepare for this situation that is looming.
  2. the case was stayed pending the results of a test case in the future, i wrote to the court saying that there has not been any bank going to court over the charges and requesting the stay be removed, words to that effect.
  3. Hi all I rang the court today after posting the template letter asking for removal of stay for my case, anyways the court informed me that they are going to arrange a meeting between myself and natwest/cobbetts to dicuss this. This is what the lady on the phone at the court told me in lay mans terms. So when i get this date what the hell do i say and do when i get there ?, is it likely to incurr me any costs at all ? what if they try to claim costs against me ? Stating to get a bit jittery now has anyone had to do this before and how did it go ? Arma.
  4. OK Michael done all that and paid my £100, how much longer do you think this could go on for as my nerves are starting to get a little frayed now ! I understand i will need to prepare for the court if they do go to court and that seems to be pretty likely now. I have downloaded the court bundle and had a scan through it but it does not make much sense to me, who are the best people on here who can prepare me for this ordeal if it actually comes to a court hearing ! I sent the Proposed direction order and gave 14 days to produce the evidence of what they have taken in penaltys etc. T
  5. Hi all Is it just the AQ i have filled out i need to send to the court ? or do i need to send a copy to cobbetts as well. Do i aklso need to send the schedule of what i am claiming to the court as well or just the AQ ? Arma
  6. Do i send Cobetts a copy of the AQ i am sending to the court with the draft direction order thing ? and schedule again ?
  7. Chhers Michael you are a good un to be sure
  8. Hiya thanks for the reply one more question... do i leave it saying "Draft Order for Directions" or change it to " Order for directions" or "Proposed order for directions", at the top of the sheet i send with the AQ. I take it its the nat west who is the defendant and not cobbetts and i am the claimant, silly question but i wanna be doubly sure i dont mess anything up Arma
  9. Thanks for the reply, but i am well confused ! I take it the schedule is my working out of what the bank owes me ? thats no problem i got that, the same ones i have sent to cobbetts. Do i just send the syuff for previous cases of penalty charges from the court bundle ? The AQ has to be at the court no later than the 16th, i was hoping they would settle before i had to pay the other £100 but i have recieved ther AQ this morning 12th. I realy hope i have done it all corectly. Is there anything i really need to do to make sure this work out ok for me ? Arma.
  10. Hi all recieved Cobbetts AQ today, will be delivering mine in person monday to the court. What do i need to include with my AQ to the court ? i have added this into the section G part of the AQ form I am respectfully requesting that my claim be allocated to the small claims track. This issue is not a complicated one; it is an issue of fact and not of law. The issue is only whether the money levied by the Defendant in respect of its customer’s contractual breaches exceed their actual costs incurred. I am happy to pay their actual costs and I am surprised the Defendant did not countercl
  11. Hi all recieved a partial off today as a goodwill payment but... They seem a bit muddle with the ammounts claimed. this is the story so far... We sent in a claim using MCOL a few months ago for £3172.00 worth of charges + interest of £319.36 bringing a total of £3491.36 This resulted in a CPR18 Request asking for more details so we looked at it a bit more and realised that we had not removed the Advantage Gold service fees. So we sent them a full breakdown of the charges less the advantage gold fees where applicable bringing it to £2996.00 in penalty charges + Interest of £379.
  12. arma

    Court fees AQ

    cheers peeps will ring tommorow and check on payment methods thanks again Arma
  13. Hi all will be sending back my AQ today, also sending Cobbetts a fine detail breakdown of the charges i am claiming. This is going to cost me another £100.00 will the natwest refund my court costs ontop of the Penalty charges claims? Also is it possible to pay the AQ fee online ? or pay at the court with credit card if delivered by hand ? Many thanks Arma
  14. Cobbetts have asked me for a CPR18 wanting more details of what i was claiminf for. So i have made up a new sheet detailing the charges this differs from the original claim ammount as i had to remove the ADG gold fees. This brings the ammount i was claiming from 3491.36 down to 3375.16. This is up to date with the interest calculated on the adg gold fee changes yesterday and the rest of the charges calculated today. Will doingthis and sending them different claim ammounts make any difference to my claim in court ? I have given them what they requested and its bang up to date. I have to n
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