Hi Poppy Its nice when they get things out on time, but they are so busy (banks & courts) they cant keep up. They will reply, to the court, if you want a copy of their AQ you will probably have to phone the court. Still weathers lovely, dont forget the tanning lotion, and a nice chilled bottle of wine:-D AL:)

Yes and you get your money back a whole month earlier:D

Plod on Doc

Hi Lindy Yes you can estimate, estimate too little, they keep the rest, estimate too much and they will fight tooth and nail. Yes its achievable but remember your up against a bank, they are quite clever with figures:o AL:)

Loobylou, Lindylou, you two should start up a toiletries business.

HI Sounds like you will end up in a Mercantile court

Ah Jster Yes it went as far as filing a claim and then they decided to make a goodwill payment (for the total amount + interest+fees and postage) Well if your stalking, stockings and leather sound good. AL:) Ps. let me know what colour stockings you like i have an assortment;)

Hi Jster Well in my case they were very slow and thats why it took so long. As it happens they have told me (yesterday)that when my card expires it wont be renewed. I have been trying to get it to a nil balance but they beat me to it. Never mind I'll survive. Bankers!!!!! AL:)

Hi Phone Thats the address above but stick to the printed matter (you have no record of phone calls) Recorded post at all times. You know it makes sense. AL:D

Ah every thing takes time , must be something to do with the Mediterranean weather were having.

Now now children you must learn to be patient, you know the drill, just like Xmas eve when the reindeer and Santa were due to arrive, (it may take that long). Just read and relax and learn about your rights . AL;)

Hi Blue perhaps if you have the name of someone at the DPA dept at B/C you could send them a copy of the letters you are about to send to the court and the Information Comissioners Office and give them another 7 days, it might save going to court which will take time. Not the perfect solution but..... AL;)

Close but not really First you need a 'prelim' request then a LBA request both take 14 days both require a shedule of charges (spreadsheet), try here, as previously requested > http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html We all have to do a certain amount of legwork (keeps you fit) And you will feel more confident (you may end up in court)(unlikley, but possible) and and able to help others AL:rolleyes:

Yes but deal with your first claim, first.

Hi V If you have sent your LBA (along with copies of your shedule) you give them 2 days postage time (hope you sent it recorded) then 14 days. So if you have'nt heard by friday 27th april head for the court ( i would download the N1 from here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/844-n1-claims-form-pdf.html Fill in like this http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html by Thursday 26th) and get down the local county court by lunchtime. Then about 2 o'clock have a beer and sit in the pub with a big smile on your face . Alternatively use this http://www.consumeractiongroup.co.uk/forum/helpful-external-links/10-moneyclaim-start-your-county.html Nowhere near as much fun as the above, but maybe more convinient AL:grin:

I believe the court allow up to 5 days for service ( i dont think the bank holidays make any diffrence) then 14 days (thats 19) then they aknowledge on the last dayish!!! then thats another 14 days to file their defence, and even if they are late (which they may well be) the court will allow them to issue their defence. So have a good read of the longer running threads in this forum and you will see how the Woolwich and the overworked Court systems runs, or in most cases, does not. AL

Millie Micra, must get my glasses sorted, i thought it said Lycra Hello

Have another glass of Chablis and put your feet up Amanda:D

But the pasties are crepitus

Oh sounds interesting, do they sell splints as well

Ahh But the beer:confused:

I could bring a copy of hte Evening Standard, or the South London Press

Hi Blue You seem to be suffering, the only thing to do is take them to court if they wont play ball (dont get to stressed you are in the right, you ARE the claimant, and you ARE entitled to this data). Go here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6971-data-protection-act-non.html You can download the N1 from here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/844-n1-claims-form-pdf.html If you need help just PM me, If i cant help i will direct you to someone who can. Barclaycard will give you what you asked for one way of another:D. AL:)

I might, i just might be able too, I hope I can...

Hi Claire State that their charges are unlawful. List the relevent sections of these acts, UTCC 1999 , UCTA 1977, http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/23993-legal-arguments-support-claim.html . Use the above and something along these lines When I signed the terms and conditions upon opening my account in XXXX. I was not aware of the unfair terms I had agreed to as defined by the Unfair Terms in Consumer Contract Regulations 1999. It is only in the last few months that I have become increasingly aware that default fees are not fair if they exceed the cost of dealing with the default; if they do then they are considered a penalty. You say that the fees are automatically added, I assume that this is done by the software doing the account administration which suggests that there is no manual intervention; the cost is significantly less than £12. Penalty charges are irrecoverable at common law. The precedent for this was Dunlop Pneumatic Tyre Co Ltd v New Garage and Motor co Ltd [1915] AC 79, along with Murray v Leisure Play [2005] EWCA Civ 963. AL