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Amy29

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About Amy29

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  1. thank you,sending a message now. Will keep post up dated. thanks for your help
  2. I told him to put it all in writing, he said " I'm trying to sort this now." So I said "no in writing please",he said "ok". So awaiting letter. Do you think its true what he said about not being miss sold account? He was not there when it was miss sold so don't know how he can say this. I said to him its just like ppi miss selling, I know people who claimed on ppi insurance but still got refund. He said that's not true. Thanks for advice
  3. Hi Ive put in a complaint about the miss selling of my select account I was told at the time in order to get a loan and a bigger over draft I had to take out the account, they also said loans would be cheaper if I had select account. Was also told had to have account as no free accounts. lloydstsb have said via phone call complaints department. That i was not mis sold as I had select account so my loans would have been cheaper.Then in another breath he said I was mis sold account but would only refund first year fees. I said can you put that as your final res
  4. Hi Ive put in a complaint about the miss selling of my select account.2001 to now. I was told at the time in order to get a loan and a bigger over draft I had to take out the account, they also said loans would be cheaper if I had select account. Was also told had to have account as no free accounts. Lloydstsb have said via phone call complaints department. That i was not mis sold as I had select account so my loans would have been cheaper.Then in another breath he said I was mis sold account but would only refund first year fees. I said can you put that as your f
  5. Hi I claimed all my charges back from capital one. They paid up after I sent the lba. The first thing I did was send a sar which cost me £10.Came with a list of all the charges. Good luck
  6. Very good point MIKE770 Will keep updating my post. This post is keeping me going. thank you to you all. So next stage is to, fill out questionnaire and mediation form along with £40. Then will post Monday morning to court, also will be sending a copy of both forms to shop directs solicitor. Also put copies in my court file. Then wait to see what shop direct say. What sort of things should I say in the mediation phone call which says can last up to an hour. Want to make sure get all my points across.
  7. Thank you. I don't think they will agree but at least it shows I've tried to settle before going to court.
  8. Ok so after doing some more reading. Its look like I should fill out both forms sending them £40,which I will send recorded delivery. I think doing mediation first is best as judge even might send to mediation first. If me and shop direct don't agree then it will go to court. Do I have to send a copy of both forms to shop direct. thanks amy29
  9. So I've read through the pack Northampton court have sent me. They've sent: Small claims Mediation service form. Direct questtionnaire (small claim track) I'm was wondering should I fill out small claims mediation service form,to show I've tried to settle before going court,or should I just fill out direct questionnaire form and go straight to court. Thanks Amy29
  10. Hi everyone Thanks so much for all your help. Ive just received my questionnaire. First thing Do I fill out the other form with it that says "would you like to settle your case without going to a court hearing" Or do I just fill out questionnaire. second thing One of the questions is Do you agree that the small claims track is the appropriate track for this case? tick yes or no if no why. Also it asks which court I would prefer to attend can I choose. The fee is £40.00. Just want to make sure im doing it all right. So worring but wont give in
  11. Hi thanks for reply. Yes I have another thread,I updated that thread with the defence as well. How do I add other thread. Thanks Amy29
  12. Hi I have now received shop directs defence. Can somone flag this need help.Please Shop directs defence below. How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form. * Do you dispute this claim because you have already paid it? No, for other reasons. * Defence Save as hereinafter expressly admitted or not admitted, the Defendant denies each and every allegation contained in the Particulars of Claim as if the same were set forth herein. At all material times: The Defendant is a limited company speciali
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