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About MissMorningStar

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  1. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. Thanks yourbank. I will just pay the remaining amount then minus what they owe me and put my N1 into court.
  3. OK have sent pre liminary request for charges and LBA and just filling in the N1 form now. My dilemma is this however, the bank has now got debt collectors to chase me for the outstanding debt. Should I: 1) Pay off the full amount their requesting, and then file N1 to get back charges and interest back they owe me;or 2) Just pay whats left of the debt minus what they owe me? Can the debt collectors still pursue me for an amount that I'm pursuing the bank for at court? E.G If debt their requesting is £1000, but they owe me £400 in charges, should I pay just the £600 differen
  4. Thanks BankFodder- will have a read up about restitutionary damages around the site once I have finished the rest of these calculations. Thanks for your help, Missy :O)
  5. Thanks BankFodder... So does this look like I'm on the right track below? I was a little unsure as to whether to calculate the interest added THAT month or the following month. I went for following month as I thought subsequent months interest relates to previous month? November Overdraft as of 30 Nov= £168.44 O/D Interest debited 31 Dec= £5.60 Last months accumulative of Charges and Interest= £0 This months charges total= £90.00 Total interest and charges to date= £90.00 £90.00 charges and interest to date divided by amount overdrawn £168.44= 53.43% of amount over
  6. I am now at the LBA stage with one of my claims. With my previous claims I spent hours trying to work out how much of the interest debited was based on my charges and admitted defeat in the end. I have decided to try and give it one more go again on my current claim but am getting nowhere- sums was never my forteit! I have tried using the template in this thread that ohoh4312 has produced however my stubbling block now is that it appears I need to know what my overdraft limit was at the time of the charges and interest debited? My statements do not say what my overdraft limit was and
  7. Thanks for your help and will do. Written reply to defence and will post tomorrow first thing. Missy :O)
  8. Thanks all for your help. Yes it's been allocated to my local court and I sent the AQ back. Will write reply now to solicitors as per Martin3030 suggestion above. In regards to the mentioning of 'bank charges' I take it it's irrelevant and does not make their defence invalid or anything? Thanks, Missy
  9. Hi CitizenB No that quote wasn't a response to my situation sorry. This was a suggestion Martin3030 had made to someone else who had had the same defence from solicitors-however I believe the post was from 2007 and so I'm not sure if it's still relevant. Ive been searching for days but most posts seem to be about CCA requests and I can't find any information in templates around Credit Card companies defences. As I have mentioned I'm not sure if I do need to reply to their request for further information and clarification as per their defence or if only a judge can order this? I'm mor
  10. Thanks Lex- It's just if I do need to reply I need to get it in the post tommorow to meet their deadline. Just to make it clear though I didn't CCA them for my agreement. I only opened the account I believe in 2007. Account was paid off in 2008 and closed and then I started claim for the unfair charges made to the account this year. Thanks for your help, Missy
  11. Site Team can you help please with matter above I have to reply very soon?! Thanks Missy
  12. Hi, I have received defence from Solicitors and a request for further information under CPR 18 with regard to CPR Rule 27.2(3) by a specified date. It requests: 2.1 In relation to each charge please identify (a) the date when the charge was charged; (b) the amount of the same; and © the reason(s) given for the charging of the same. 2.2 In relation to each charge please clarify the following: (a) Is it the case of the Claimant the same should not have been charged? (b) If yes; please explain why the Claimant contends that the same should not have been charged? © If no; is i
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