Hi, emsie-b, It's up to you, I know it's a pain ! I lost count of the number of times I handed my court papers in, only to be told I had made a mistake and had to go home and re-do them. If the interest is a few £'s then take the time to re-do your claim. The money's better in your pocket. Regards. Scott.

Yes ! I'm a sole trader with BOS and after one successful claim I'm now onto my first Summary Cause. There is a letter in the Bank Templates Library for businesses, differs slightly from the norm in the wording. I should say I "was" with BOS, they shut my account after I won my first claim! Hope this helps. Regards. Scott.

Hello and welcome Bob, It's always better to set up a parachute account, I was with the BOS for over 26 years and yes they shut my account after I claimed, also told me to cut up my Visa card !(nice people) Anyway read up as much as possible,everthing you need is on this site, just takes some time to take it all in. Post in your banks forum and people will help you out. Best wishes. Regards. Scott.

Hello and welcome Hooter66, Sounds like your heading in the right direction.Read up as much as possible, all the F.A.Q.s and Step-By-Step guides. Have a look in your banks forum, read a few threads then start one yourself. Plenty of people in the same boat as you willing to help you out. Best wishes with your claim's. Regards. Scott.

Hang in there ! Regards. Scott.

Hi, I recently served a Summary Cause Summons on Capital One Bank. They have responded by saying "We hereby give notice of the assignment of the debt due to us from you was sold to Lowell Portfolio 1 Ltd. Any further communications and payments must therefore be addressed to Lowell Portfolio 1 Ltd." What will happen now, surely its Capital One that's due me the charges refund. Any help appreciated. Regards. Scott.

Hi, Yes send your LBA, they will stall you as long as possible. Keep to your timetable its your money. Regards. Scott.

Hi Jarroda, Start a thread in Halifax forum, to keep people posted. Regards. Scott.

Superb ! Joe. Makes it all worth while. Regards. Scott.

Hi, Send your LBA. Stick to your timetable, they will do everthing they can to delay and put you off. Its your cash, claim it back. Regards. Scott.

Hi Scott, You don't add the interest untill you file your claim with the court. You can also claim back your £39 court fee and whatever it costs you for the sheriff's officer if you go the Summary Cause route. You can either claim 2 small claims or 1 Summary cause and one small claim. The good thing about the Small Claim is that the only thing you could loose is your £39 court fee. If you go Summary Cause you could loose somewhere in the high hundreds. Also with Small Claims the court does everthing for you, just pay your £39 then sit back and wait for your cash.(hopefully) When I went small claims I got £720 plus £39 court fee and £230 interest. Remember you can only do 1 claim at a time, wait till 1 is settled then do your second. Hope this helps. Regards. Scott.

Hello and welcome dave, Good to here you are starting the process. The more info you can take in now makes the whole process a whole lot easier. Just remember how you felt when they were taking your money, it spurs you on. Best wishes with your claim. Regards. Scott.

Hi Craig. Sent you a pm, hope it helps. Regards. Scott.

Hello and welcome, Please take some time to read all the F.A.Q.s and Step-By-Step Guides. The more information you take in the easier it is to re claim your money. Have a look in your banks forum, Read a few threads then ask a question. I'm sure someone will help you out. Regards. Scott.

Hi, Brian. I was told by the sheriff clerk at Edinburgh Sheriff Court I could not go over the £1,500. But I could write on the form, "including the costs of bringing the action". You should keep your claim to the £1,500. then claim again, that's what I am doing at the moment.Don't worry about having to get a sheriff's officer, the court send you a list of local sheriff's officers you can use. I paid £15.97 for their services. Best wishes. Regards. Scott.

Hi Scott, Where are you ? If your in Scotland you can only go back 5 years. How much are you claiming ? If your in Scotland you can claim between £750 (Small Claims) and £1,500 (Summary Cause ) The small claims will cost you £39 and the court will serve the summons for you. It will also cost you £39 if you use summary cause, then the court will send you back your forms and you will have to get a sheriff's officer to serve your claim. This cost me £15.97 last week, the cost varies depending on what sheriff officer you use. You will find out about Interest on the interest calculating spreadsheets. Hope this helps. Give me a shout if your toiling. Regards. Scott.

Hello and welcome jacqui, Take some time to read the F.A.Q.s and Step-By-Step Guides. The more you take in the easier and quicker you will get your money. Have a look in your banks forum, read a few threads then post some questions yourself. There are lots of people in the same boat as you willing to help out. Best wishes with your claim. Regards. Scott.

Hello and welcome, I claimed back charges against BOS Visa the case has still to go to court, they recently asked me to cut up my card, they said I can still make payments to the card as normal but do not have to pay the outstanding balance all at once. Have a look in your credit card company Forums and ask some questions there. Someone will help you out. Hope this helps. Regards. Scott.

Hello and welcome, Start a thread in the Natwest Forum and keep us up to date with your claim. Regards. Scott.

Hello and welcome, Also read the Step-by-Step guides, then have a look in your banks forum, read a few threads then post a question yourself. There are plenty of people in the same boat as you willing to help you out. Best wishes with your claim. Regards. Scott.

Hi Stephen, Think its almost the same but your prelim letter is different. Have a look in the Bank Templates Library for credit/store card letter. Regards. Scott.

Superb news ali, How were you claiming, did you get to court stage. Just need to pray my claim go's the same way. Regards. Scott.

Hi and welcome, There is a Mortgage forum. Go to Forums scroll down to Other Institutions them Mortgage Companies. Hope this helps. Regards. Scott.

Hi, Wonkydog. Good to hear you are heading in the right direction.Post a thread in the Lloyds Tsb Forum and keep us posted on how you are doing. Best wishes with your claim. Regards. Scott.

Superb, always cheers me up with news like that. Regards. Scott.