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let the kitty have it lol

Fiddlesticks!!! didnt realise the date had been changed, Im unable to make it as i`ll be skint cos mw washing machine has broke and need a new one, plus car tax is due

The question is...will i be welcome back in wakey? i may have had my passport confiscated

Hi, it gets fun now you`ll look forward to recieving letters hehe You`re right about the pre-arranged fees, but you can claim for all those other `penelties` you mentioned. I dont think there are any other abbreviations you should look out for. The next step you need to take is to print off the Prelim letter and a schedule of charges (no interest added as yet) As for the 6 year rule, personally i wouldnt bother as your account hasnt been open long since, but thats just my two pence worth, its upto you.

Yeah you should be sending off your prelim letter now and dont forget to include a schedule of charges with your letter. As for the addy where you send your letter off to you shoyuld have got a `with compliments` slip with your statements, send it off to the addy on that, if not the original addy where you sent the sar off too would be fine

As far as i am aware, they very well could withdraw the o/d, i very much doubt they will close the account tho, they didnt when i claimed and they didnt reduce/cancel my o/d with them. As for the mortgage it is my understanding that this cannot be touched (if you are not not claiiming off it) as it is a completely different agreement to your bank account. the CC dilema i have no idea, but i`m sure someone will come along to answer

As far as i am aware, you are well within your rights to ask for then sum to be repaid via cheque, but the rbs/cobbets are sneaky just make sure its in the form of a cheque that can be paid into any account and not an rbs one.

If it were me, id wait the 14 days from the 8th, alfterall whats 4 days? maybe 4 more days worth of interest lol, also i would suggest using the N1 form from your local courts as you have more space for the PoC Hope that helps?

alw, that depeneds where you live? in Scotland its 5 years, but in England its 6 years

I dont see why you cant claim from oct 2001 to oct 2006 if they`re the dates you requsted on your SAR, just as long as it falls within the 5 yerar period you`re claiming for

no worries, if you get stuck again, just ask and dont forget to keep the thread updated to your progress

would that be the interest spreadsheet? If so you only need to send that off when you hit the court stage when you you fill in the N1, just a schedule of charges will do for now.

carry on, make sure you send off the non-complience letter, they`ve had plenty of time to respond

If the bank are phoning you every day may i suggest you send this letter http://www.consumeractiongroup.co.uk/forum/bank-templates-library/37006-harassment-telephone-response-letter.html as for the statements how long has it been since they got the letter? as for the payplan situation, i really dont know but theres no harm in trying to reclaim your charges

if they havent phoned by midday, phone them back and get that letter prepared

He`s just trying to freak you out, stick to your timetable, if you havent heard owt after the 14 day day deadline then i would proceed with the N1 or mcol (or whatever you fancy), they`ll pay up unless they want to disclose in court, which we all know they wont

Its worth a try, just explain its your first in 5 years and only for 93p, if not fire off that prelim hehe

I think it has something to do with civil law rather than criminal law, thats why things are allocated to the county court rather than the crown court, i`m sure someone will correct me if i`m wrong

you need to show the interest on each charge before yo submit it to the courts, there`s a very good interest calculater you can use http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html all you need to do is just fill in the blanks basically and the spreedsheet does the rest

if the 14 day deadline is up and no response from the banks, then it is time to submit the court forms, personally i`d submit N1 form via your local county court, but thats just my 2 pennies worth, altho there is nowt wrong with MCOL, i just prefer the paper version. Good luck and let us know what happens

i submitted 2 claims with the same bank, both combined so in effect it was one cliam, it shouldnt be a problem as they paid up in the end as for them closing the account, mine wasnt altho it is now inactive cos i changed accounts hehe

Was this your prelim letter? if so issue your LBA, if it was your LBA that they responded too, its court time If you havent already then i highly suggest you read http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ good luck, any more probs post again

Welcome to the site, firstly i would strongly suggest reading - http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ once understood all the letters you need can be found here - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/ also spend time reading the threads in your own banks forum so you can get an idea of what to expect, also open a thread in there to keep all updated on your progress and post any questions you may have Good Luck

Theres no need to agree to that, the confidentiality clause is unenforcable, you could just cross out the clause and initial it, then write a covering letter explaining why, i did and didnt have a problem