Hi Ian Ummm, yes, you've hijacked someone elses thread which is a bit naughty, but we'll let you off this time If you set up a thread/threads in whichever forum is relevant to your claim/s, and add posts with and news, or queries that you have, we are all lovely, helpful people who are around to assist

Best of luck M Willows, sure you wont need it Just shout if you need any help or information via your threads

Hi Russel, Please can you set up a thread in the Halifax forum, where we can keep track of your claim and give any further advice you need. You need to take all 3 copies to the court for them to seal (stamp). You then keep a copy, and either the court can send the bank a copy, or you can do it, either way is fine. The staff at court offices are generally very helpful. Good luck

Hi Smartbucket First of all, just carry on with your claim on your timetable. You are giving them 14 days to reply to your prelim anyway. If you want to you can give them a few extra days to reply, it wont hurt. Please now set up a thread in the Lloyds TSB forum, so that any queries you have can be responded to there. Best of luck

Hi Swayze and welcome, If you have been reading for a few days I am sure there is no need to tell you this, but, please set up a thread in the appropriate forum for your bank/lender. This will allow us to keep track of your clam, and offer any advice or information that you need. Best of luck with your claim

OK, if you put 'in full and final settlement' on the letter, then this is a good start. Now the law states that 'part payment of debt is no consideration', however it sounds like this guy may not be owed any money anyway. If you paid him the amount agreed before he broke the bath, then he is trying to claim extra money for work rectifying his own negligence. I would say that you should be fine on this, make sure you have all your paperwork to hand if you discuss it with anyone. Good Luck

You will need to file an N244 form with the court, which you use with the amended details you need.

Not USB, UCB, what a muppet! Part of Nationwide Thanks for the support

Right, all other claims settled, now going to have a go at this one. We (my ex and I) had to sell our home last year to avoid it being repossessed by other lenders (my exes, not mine). My case seems to be similar to Zoots in that there was only about 14 days left of the ERC term left when the house was sold. Off to do SAR, will keep you posted

Hi Seasiders OK, first of all, I would reccomend that you send the prelim letter (and all others) to your local branch to deal with (also put that address on the court forms if it gets that far. 2. You need to set up a thread in the Natwest forum, we can answer all your queries there. 3. If natwest have provided all your statements, you dont need to send the DPA default letter, just keep in the default paragraph in the prelim letter if you have defaults because of the charges Best of luck

Hi Leanne Please set up a thread in the YB forum, where you will get all your queries answered http://www.cag-files.co.uk/barracad/Spreadsheets/England/Simple-charges-calc.xls this spreadsheet is for working out the 8% interest when you get to court http://www.cag-files.co.uk/barracad/Spreadsheets/England/Complex-bank-charges-calc.xls this one is for working out the debit interest you have been charged on the charges They both have instructions on completing them, any problems, pelase add a post to your thread

Sorry worried mum, but in this case it isn't a penalty charge, it's just horribly expensive Not a lot either of you can do, except perhaps try and find another network that is cheaper abroad and possibly cancel the O2 contract if possible

Yes Phil, just wait, as long as you have followed the instructions on the site, you have nothing to worry about. Your money should be with you withing a couple of weeks :grin: Also, can you set up a thread in the HSBC forum if you havent already done so, we can answer any queries there.

3, one for your records, one for the court, and one for the court to pass on to the bank

Hi Jayne, To calculate daily interest, just multiply your total charges by 0.22222222 cheers

OK, just a bit of housekeeping to start with guv, If you can set up threads in the Halifax and RBOS etc forums it would be a great help. All your queries can be answered there too. Also, if you haven't already, please read the FAQs so you are comfortable with the procedures In answer to your query re the large claim, you can still proceed through the small claims track subject to the court's agreement (which shouldn't be a problem). Look forward to seeing you around the site, just post on your threads if you have any queries. Best of luck

Hi Either way is fine, but if the 2 accounts charges add up to over the £5k it is better to do them separately to keep the claim in small claims track and not fast track, where it all gets a bit complicated. Best of luck

£10k, really? wow, that one would really upset the banks Hang in there David, not much longer now. I didnt get a single offer or letter til I filed my AQ, they paid in the end tho This bit is definitely the worst in my opinion, waiting for the money, knowing they WILL pay, but when? Keep smiling

Are you really happy to accept part payment of what they owe you? If you are, well done and enjoy , but if you are accepting this because you are concerned that you wont get the whole amount then please think again. There is no-one that has not reclaimed the whole of the bank charges if they have stuck it out. Entirely your decision, just wanted to make sure you are happy with it

Hi Tristesse Claiming your charges back should not affect your arrangements at all. The banks have been told by the FSA that closing accounts or cancelling facilities is retaliatory action and is not allowed. Welcome to the forum it's good to have you Before you start a claim just make sure you have had a read of the FAQs and are comfortable with the process. Any problems or queries, please post them on your thread and we will help ASAP. Good luck p.s. what di you mean 'if you are successful'? :o

It always amazes me that they dont bother to reply and offer the payment instead of costing themselves more money because of the 8% court interest. Go for it, just make absolutely sure that you are happy with the court forms and how to fill them out before you go ahead. Shout if you need any help

Hi Noel you need to set up a thread in the relevant bank forum so that we can help you with your claim as it progresses. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html these spreadsheets are very useful, just input the information it asks for,and job is one for calculating the debit interest you have been charged on the charges. N.B DO NOT try and claim the 8% court interest until you issue proceedings. Good luck

Hi bodsreds and welcome

Hi Tim, there is a barclays forum with a Woolwich sub forum tht I suggest you have a look through for the position on this. As they have filed an acknowledgment of service, it seems likely that they are accepting the claim as the new owners of the company Please set up your own thread in the Woolwich sub-forum where we can help you with any other queries that you have Best of luck to you

Rachel, You really need to set up a thread in the Lloyds TSB forum, we will be able to advise you whether this is standard practice for them. We can also answer any queries that you have as your claim progresses Best of luck