Thanks Caro I will listen out in the next few day what the Judgement is? You state the FOS has proved more successful, What is FOS ? Thanks

Hi Caro I posted a letter over 4 weeks ago, Basically asking for them to settle as the case has been stayed since 30th August 2007 and it has been over 2yrs. My claim is for £1600 with interest £2528. The interest was correct 2yrs ago, however would this have changed. I stated in my letter that I was willing to accept the £1600 within 14 days. If they did not accept this offer then I would be applying to the Court for the stay to be lifted under the Hardship Terms. I have had a repssesion order on my house and the £1600 would clear my arrears. Should I have stated this. I forgot to add, That the did send me a cheque 2yrs ago for £564 and I returned it to them - Is this not them admitting there in the wrong. I have not heard anything from them. What do I do know? What is the current situation with the Courts? Thanks Caro xx Thanks Caro.

Hi Caro, I have drafted the letter to the Bank. Would I be correct in stateing that I am willing to accept an offer WITHOUT the recent Interest applied...ie: The origanl amount submitted to Court and not add the interest which has accumulated over the past 18months? The bank sent me a check for £560 and I returned it. The amount claiming is £1,600.

Hi Caro Thanks, Yes I am in arrears on my Morgage due to looseing my job back in December. I have letters to prove this and talks of reposession. I dont think it is hard for me to prove I am suffering from HARDSHIP. What do I do know? Is there a template letter to send to the Court requesting they lift my STAY?. Thanks for your help. xx

Hi. I had a prliminary hearing dated 30th August 2007 and the court stayed it.... I have not heard anything since... What do I do now? Regards. Murphy

Hi All Well it has been a very long time as this is the first time I have been able to log on, I changed my computer and lost all the links I had. When I tried to log on direct from the site - would not let me. Only managed to log on as someone posted on the site and it sent me a link,,, anyway back on know. My current situation is I was a week away from my Court Date, when the Courts decided to put a hold on everything....dam... My Court date was for the 30th August 2007. Can anyone advise what I am to do next....has anything happened with the Courts? Thanks All ..... Good to be Back .... Murphy

Hi Candles Good Luck, It HAS been ages....lol. This is the first time I have been able to get onto the site in 8 months, Because you have posted on it - it automatically sends me an email with a link, this allowed me to log on again?????. Not sure what happened. I was furious I was a week away from my Court date when they decided to put a hold on everything.... And I have not heard anything since....Are we supposed to be just waiting for this High Court Hearing? I have not followed it up - Not sure what we are supposed to do? Speak to you soon....

Hi Caro - The letter is from the Court and reads as. TAKE NOTICE that the PRELIMINARY HEARING will take place on 30 August 2007 at 11.00am at Dewsbury County Court........Address...etc. When you should attend THATS ALL IT SAYS.

Hi Caro I have got my PRELIMINARY HEARING court date for 30th August (what does this mean)? I had already submitted my bundle before I got my Court Date, do I need to submitt any thing else? Thanks xxx

Hi Can anyone advise of the above post regarding TOE. Thanks

Hi I have put my Bundle together, But I do not have the Banks TOE. My husband opened the account over 25yrs ago. He closed the account 3yrs ago because of charges. What should I do? I need to send my bundle today. Thnaks

Hi Caro Thanks once again, I submitted my aq 18th June, Hope it is not too late to send my papaer work. I will take to the Court tomorrow before I go to work. Do I need to send the same paper work to the Bank aswell? Thanks.

:-o Hi Can anyone advise on my last post I am really struggling the AQ process, Read link, what do I need to do now. Thasnks

Hi Can anyone please advise on the above post, I have a feeling I have missed something out and I cant afford to loose this. Any advice anyone please........ Thanks

Hi I sent my AQ in on the 18th June along with the letter for Directions. In the xxxxxx County Court Claim number xxxxxxx Between Murphy - Claimant and Yorkshire Bank - Defendant Order for Directions The Claimant shall within 14 days of service of this order send to the Defendant and to the Court: a) A schedule setting out each charge repayment of which is sought, showing the date, amount, and reason given (if any) for that charge being made; b) Copies of any statement or other document relied upon as showing that each and every charge has been made; c) A statement of evidence of all matters relied upon as tending to show that the charges are irrecoverable as penalties or otherwise; d) Copies of decided cases and other legal materials to be relied upon. If the Claimant fails to comply with this order, the claim will be struck out without further order. 2. The Defendant shall within 14 days thereafter file and serve a response to the Claimant's schedule, stating in respect of each item claimed; a) Pursuant to what contractual provision such charge was made, producing a copy of the contractual document relied upon; b) Whether such charge is accepted to be a penalty, and if not why not; c) If such charge is alleged to be a pre-estimate of the Defendant's loss incurred by the Claimant's actions (whether or not such action is treated as a breach of contract between the parties), all facts and matters intended to be relied upon as showing that such was a proper estimate of such loss, and all evidence to be adduced at trial as to what the true cost of dealing with the matter was; d) If such charge is not alleged to be a pre-estimate of the Defendant's loss incurred by the Claimant's actions then facts and matters intended to be relied upon showing the basis upon which the charge was calculated and all evidence to be adduced at trial as to show that the charge was fair and reasonable. e) Any witness statements. f) Copies of decided cases and other legal materials to be relied upon. If the Defendant fails to comply with this order, the Defence will be struck out without further order. Should I have sent in to the Courts and Bank my Schedule of charges and copies of my Bank Statements within 14 days. Tomorrow would be the last day. Please can anyone advise I am really struggling to get my head around the process. Thanks.......

Hi Can anyone advise on the above post, I'm really struggling with my AQ, I need to hand it in tomorrow and I am stick on the ''OTHER INFORMATION'' bit THANKS..........

Hi Thanks Caro But I still very conussed, I have done my letter for ''ORDER OF DIRECTIONS''..Got that bit. Its this bit that is confusing me. We recommend that include a request for the Judge to order a form of 'basic' disclosure from the bank. Many courts have now started to issue these, so the request is likely to have been seen by your Judge before. A small note explaining its intended use would help ?. Do not make this too lengthy, just explain that it has been attached for consideration and you believe it will bring a speedy end to Litigation. State that it was devised by the Mercantile Courts for a similar case. Do I need to write anything on the form for section G ''Other Information'' or do I just attach the ''Order Of Directins'' letter.........:? THANKS

Hi All I am just filling nin my AQ, and I am usure what I put in section G, I have looked at the link on the site and I am still confused... Can anyone advice, also do I need to send any other docs with the AQ Thanks

Hi - HELP The letter I received is a '' Notice Of Transfer of Proceedings'' It reads To All Parties A defence to this claim has been filed. The calim has been tarnsfered to the Court covering the area where the Claiment lives or carreis on business. All further communication should be addressed to: The Court Manger Dewsbury County Court...etc THEN THERE IS ANOTHER SHEET STAPELED TO THIS Court Code 186 IT IS ORDERED THAT:- 1. The filing of an allocation question be dispensed with in this case unless the District Judge at the Court transfer orders otherwise. Note: Any party affected by this order may under Rule 3.5(5) apply to have it set aside, varied or stayed. Such a party must apply under rule 23.3 within 14 days of service of this order. Please note that an allocartion fee may be payable in this instance. Please contact the Court of transfer for further details. THEN THERE IS THEIR DEFENCE STAPLED TO THE LETTER NO AQ...WHAT DO I NEED TO DO. LETTER DATED 27 APRIL 2007 THANKS....:o

Thanks Caro Do I have to pay another £100 when I submit my A&Q, My claimis fo £2200.? I'm really confused with this part?...... Thanks

Hi All Desperate for help, Yorkshire have submitted a defence 26/04/2007, and I have recieved A&Q from the Courts, and now only have 10 days to reply....:o Can anyone help....Thanks.....

Ooops

Hi I received an email from ''Whistleblower'' regarding Claiming against Yorkshire Bank, And a Court Case for the 26th April. Not sure if this includes me. They acknowledged my claim 29/03/07 with the usual Intend To Defend All Of This Claim.....What should I do? I have not heard anything since.....? They have 28 days to defend.[/font] Kind Regards S Murphy

Hi Yes I put the LEEDS address on my Money Claim, Suppose just to wait and see their next step. Thanks

Hi Caro Thanks for the help I submitted my Claim, They have acknowledged and intend to Defend All Of The Claim, The letter correspondant address is Clydesdale Banl Plc Legal Services 40 St Vincent Place. GLASGOW Kirstie Ann Ross - Solicitor. Does this affect my Claim? Because the address is Scotland...