thanks barty! think you should get some kind of medal for all the help you have given, well will keep an eye on everyone else, have many people i know spurred on by my succsess to claim, keep up the good work!!

thanks dolly! because of the bacs mess up i wasn't going to be able to pay some bills, but now its all ok. now to buy myself a little treat! Good luck everyone, you do get there in the end!! (can someone change title to won for me?)

helo everyone! i looked in my bank today to see if this bacs mess up had paid my wages , which it hadn't. But low and behold there was £1,300 paid in yesterday! I WON!!(i hope) no letter from lloyds yet but i suppose that must be in the post, it says bank charge refund nextdoor to the money, so it will be my first meal out tonight for ages!! I just want to thank everyone for the help i have had here, this will really get me back on track so i can pay off some other wolves at the door. faxing the aq really seemed to work, i only sent it last friday!! will donate as soon as i get everything in order and work out how much i have thats spendable!! once again thanks guys and good luck to everyone else!!!

thanks Barty, i didnt mention the 6 years as there is only one charge that falls outside, have faxed and posted aq and new draft, hopefully they wont want the judge to have the chance to approve the draft and will pay up! i won't hold my breath though, sure they will take it to the court date. cheers guys, and good luck everyone!

another quick question, when i have finished the aq and have to send a copy to sc&m can i fax it? does nayone have a fax number for them? would this be a bad idea?? as my claim is under £1,500 hoping they will just settle quite quickly. guessing it will go down to the last day at court though!! once again (and not for the last time i am sure) Thanks!!

sorry to ask again (want to get the aq off asap), but i don't want to get anything else wrong!! will include a schedule of charges when i send a copy of the aq to sc+m which shows the charge for dec 01 and jan 01, but still not sure if i should make reference to this on the aq itself. thanks again everyone!!

just to clarify, should i put something in section g of the aq to explain that i started procedings to reclaim this amount prior to the date of the court claim and that is why it goes back further than 6 years? thanks again guys!

hello! recieved lloyds defenceand aq, looks pretty standard apart from i have an extra point (making it 10 points in total) 9: (further insofaras part of the claimants claim is based on charges levied on her account prior to six years from the date of the claim, that is 20th feb 2001, this part of the claim is statue barred by section 5 of the limitation act 1980. the defendant is is unable to verify the amount claimed prior to the 20th feb 2001 as the particulars of claim does not show how the amount claimed is arrived at.) i sent my first letter requesting repayment in october last year and the schedule of charges i have sent to them(3 times) includes the first charge from 20th dec 2000, should i reply to this or any advice as to what now?? Many thanks everyone!!

hmmm, sorry to be rubbish again, but how can i amend with mcol? do i need to re file the complaint? and i thought it was all going so well!!

i am more worried it will delay everything, or cause problems as i put it within the claim details, its also on the schedules i have sent out to the court and lloyds! think i might as well amend with mcol, its an extra £220, i could do with.

I have just re read my claim and realized i didn't put the intrest in the total claim amount, i have it in the particulars of the claim but the total amount is just the charges. should i try and amend it with mcol or can i just carry on and not claim the interest????? OOPs, and i have been really careful ( or so i thought) Any help would be great!

claim updated to: 26/02/07Acknowledged The Defendant is allowed a total of 28 days from the date from when they are served with the claim to reply. so just wait for them to file a defence now i suppose.

ok, so i was being a little, well dim! thought it was 1080 OR 24 lines, seems i have 25 lines and no matter how i try and delete spaces here and there i still end up with 25 or even 26 lines! anyone willing to have a look and try and fit it into 24 for me? good luck to everyone!

sure i must be doing something wrong here as mcol will not let me file this,i get an error. have counted lines and chars and is within the amounts specified, think my brain may be getting tired! can someone else have alook and tell me if it is looking ok or any advice on better wording, i changed it a little because of the goodwill payment, don't want to get anything wrong and am looking forward to giving something back to this wonderful site, (its all i talk about at the moment!) cheers! (the question marksin account number are mine!) 1. The Claimant has an account ???????? with the Defendant, opened 1994. Since 22/12/00 the Defendant debited charges and interest in respect of purported breaches of contract. 3. Defendant is aware of all details as a list of charges has already been supplied. Another copy will be sent. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. 5. Claimant claims: (a) return of the amounts debited of £1974.00 minus 625.00 goodwill gesture £1349.00; (b) Interest per S.69 County Courts Act 1984 of 8% - £222.92 continuing at 8% until judgment or settlement at a daily rate of £0.43; 6. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982. 7. Costs allowed by the Court.

thanks, that what i was thinking, just need to double check everything before i go ahead... don't want to make any little mistakes that come back to bite me!!!