Not knocking the idea. But what about all the poor starving children around the world?

Send the rejection of settlement letter along with the LBA.

If the account is still open, you cannot refuse a goodwill payment into the account. Its a bit like doing your shopping at Matalan with your credit card. You go back and ask for a refund and they refund you not by cash but only back onto credit card. You don't have much choice, although you can always ask.

Works, thanks.

Hi, just to let you know, the OFT summary link is invalid, i.e. it doesn't work. Anybody got the correct link? Thanks.

Under the new strategy it is advised that within 14 days you send the courts copies of decided cases and other legal documents to rely upon. I was wondering which ones I can send and where can I find them? Thanks very much.

Thanks, but this refers to form N150 I think?

N149

Hi, can anybody tell me what evidence to attach to Allocation Questionnaire under the 'other information' section?

Thanks Barty.

Anybody got the phone number for them please? I have searched the forums.

Why would they 'thank' you for suing them lol?

Thanks very much. As usual you are a great help!

Do you have to pay off all utility bills before moving house does anybody know?

alright, cheers, i requested payment immediately in the little box, is this the same thing?

Yea, will phone, I am just taking a risk on the prelim letter because I have heard rumours of the banks payin up after second claim immediately to end the dispute yea.

I am not on about adding it to this claim. I am on about starting another claim against them while this one is still on. And yes, another 2 weeks will harm me because I plan to leave the country.

Nattie, my bank has made £120 worth more of charges since I issued my claim. Tommorow they are being issued with the judgment by default notice for my original claim. What do I do? Do I have to wait for this case to be finished before claiming the other £120 or can I send them a preliminary letter right now? Thanks Nattie

I just thought you might be interested in reading about my uncle Declan who ended up sending in the baliffs in repsect to refunding his bank charges. The Daily Mail actually did an article on it! Customer sends bailiffs in to seize bank's computers | the Daily Mail

Glenn, the difference would be two weeks with a 14 day approach. Some people may not have the time and want to resolve it quicker. Now what I am saying is that I have been told by my solicitor that with a bank charges case, the claimant would not be struck out for insufficient notice being 14 days.

So if you don't have proof of postage for your letters, you have no chance?

Janet, with respect, all I was offering was informed advice based on two people close to me that had success without any initial letters. Having seeked legal advice myself from my solicitor, he said that in the case of bank charges, the court would not strike out a case for only offering 14 days notice. This is because the courts are very aware of the banks tactics. This is why I went down the 14 day route.

Isn't the CAG about people coming together to offer their advice? I am giving advice based on my experience and I make that quite clear. Is this not allowed? If not, I won't offer it.

rbrears is right. The protocol is never followed precisely. 14 days is plenty of time to notify your bank of your intentions. The judge would understand that to a poor person, 14 days is loads of time to offer a major company that has unlawfully applied charges. I also have an aunt and a friend of mine who took their bank's straight to court without a letter and both won unconditonally. That is the reason I was going to bring it up in the first place. Me? To be on the safe side, I have given my bank 14 days. 28 days? OK.. if you want to wait that long.. If you don't have the time, just slip a 14 day LBA and get on with it.

Priority debts are: mortgage arrears - the mortgage lender may take court action for possession of your home rent arrears - the landlord may evict you if you have rent arrears income tax and VAT - you can be made bankrupt for non-payment of fines fines, such as court fines. If these are not paid, the court can use sheriff officers to repossess your goods fuel debts - if these are not paid you may have your fuel supply disconnected loans are priority debts if they are secured against your home hire purchase will be a priority debt if it is for an essential item for example, if you have bought a car on HP and you need the car to get to work. Examples of non-priority debts are: credit card and store card arrears catalogue arrears bank overdrafts and unsecured loans benefits overpayments hire purchase is a non-priority debt where it is for goods which are not essential to you, for example, a television bought on HP money borrowed from family or friends. The consequences of not paying non-priority debt are less severe than for priority debt. However, if you make no payments and do not explain why, creditors are likely to take you to court. This can lead to further action against you. The creditors are very unlikely to chase you up if you leave the country if it is a non priority debt. They never bother to even try. Did you know that the most action that can be taken against you for not paying a utility bill such as gas is the supplier switching it off?