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Everything posted by katesage

  1. Can you post exact details of this order please ZsaZsa, just to check there has been no misunderstanding. I can't see why you as a consumer and lay person should have to provide an expert witness in the field of banking. It may be necessary for you to apply to the court to vary this order. I will also bring this thread to GaryHs' attention so that we can see what exactly needs to happen.
  2. The spreadsheets are a vital part of your claim, post back here if you have any problems with the spreadsheet.
  3. Hi Madhoose Welcome to the CAG forum. Congrats on your successful claim on your current account. OK, Credit Cards. There have been many, many successes with credit cards, essentially they are the same as bank accounts, if anything as a result of The OFT Report in Apr 06 on credit card charges, the case is even stronger. Although we have seperate templates fro CC letters and spreadsheets, the court filing stage is pretty much the same. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html That link is for the N1 form, fill it out using the templates supplied and amend intelligently to suit the fact that this is a CC claim. If they try offering you the difference between £12 and £30(?) then DECLINE! If a penalty charge is unlawful then ,it is unenforceable in its entirety. You ask for the link to the spreadsheet templates, these should already have been completed and sent with your letters, if you have not done so, supply them immediately. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Good luck
  4. Hi Pumpkin No worrys, click this link http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html scroll down to post 2, you will see a letter to send with your schedule to the court. do this as soon as possible.
  5. Have a peek here County Court Fees
  6. Without Prejudice is a phrase used to enable parties to negotiate settlement of a claim without any admission of liability. letters headed 'without prejudice' cannot be adduced as evidence in any court action without the consent of both parties.
  7. dont do court bundle until court request it. when you receive AQ, (if you do) read this to prepare http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html
  8. Prepare your court application, N1 is better than MCOL, have a look in bank templates for all the details you need. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html I wouldnt bother ringing btw, it wont make any difference:D good luck
  9. All the charges incurred on your daughters account can be reclaimed brian. After the second letter, give them 14 days then file a claim at court. She needs to do a spreadsheet showing all the charges to attach to the letters sent. Start by reading the FAQs link below my signature. Loads of luck to you and family:)
  10. I know nothing (said in heavy spanish accent! ......think penelope cruz, cos she's just like me:rolleyes: ) that link dont work or was that meant to be a red herring........ :D
  11. Hi jules basically ignore the letter from abbey, presumably that is a belated response to your LBA? just await their defence now, read up on Allocation Questionnaires (if you get one that is) good luck
  12. It is definitely a grey area that is for sure. A reclaimable charge is one that comes about because of a breach of contract on the account holders part. This is why only cheque bounces/card misuse/XS O/D fees etc (all contract breaches) are reclaimable and Advantage Gold fees are not reclaimable (despite many people wanting them to be!) In Deja's case she/he was asked to return the card within 1 month but the card collector turned up unannounced a week later. The charge of £125 appeared later. So, Deja was asked to return the card because the account had been closed, due no doubt, to debts caused by penalty charges. If those charges had not been applied and the account had not been closed then this situation would never have occurred. IMO...The card collection fee was an indirect product of the original breaches, the same concepts we apply to defaults should apply here, ie...it wouldn't have happened, were it not for the penalty charges in the first place. So if I were in Dejas shoes, I would add the charge to my claim, because I would feel comfortable arguing the point.
  13. Dont panic, its a common mistake to make, fire off your LBA, give them 14 days then file a claim at court. Also..start a thread of your own in the LLoyds forum so you will receive tailored advice. Loads of luck
  14. Hi Libby You can accept the offer on the condition you will pursue the remainder. There are several templates in here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html Amend one to suit your situation, send it in and crack on with the rest of your claim.
  15. Hiya Boon, your in the right forum now! probably the reason you were taken to NatWest forum is because Natwest routinely send CPR18 requests as an intimidatory tactic. CPR 18 is only routinely used in claims over £5000, so in your claim, it is a wholly innapropriate request. Have a look at this link, amend it to suit your needs and send one to Woolwich Legal team and one to the court. Obviously tailor each letter to suit. http://www.consumeractiongroup.co.uk/forum/NatWest-bank/55874-letter-court-re-cpr18.html Good luck
  16. Please do Natty, I'm sure there are a few out there who will need to know, perhaps once we have a definitive answer, it can be added to your Natwest fees thread?
  17. Deja vu...can you stick on one thread please the recovery fee will probably not be reclaimable because it was a fee charged for a service, but...as you were not given a chance to return the card yourself and no doubt the account closure was due to debt caused by charges ......hmmmmm tricky one any other opinions please??
  18. Add any charges you incur to your claim right up to the point of filing your claim, so dependant on whether you file before May end will decide whether those charges are included. Ignore the 6yr rule, The Limitations Act does not apply so if you have statements, claim the charges back
  19. You would win if that happened Good Luck
  20. All the info you need is in here...... http://www.consumeractiongroup.co.uk/forum/guidance-notes/
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