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All8pne

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Everything posted by All8pne

  1. Not yet but i'm fully expecting them to do so. I have swapped everything to a new account so nothing to worry about. Although i'm quite looking forward to going into my branch on a busy saturday morning and loudly stating that i'm here to close my account and return my cards after sucessfully having every penalty charge from the last 6 years refunded.
  2. Paula, have you got your money, i got mine yesterday
  3. There it is, they paid this afternoon £30.55 short. i have already transferred it out to a savings account. Thanks for all the help All8PNE
  4. I recieved a letter from the court on saturday dated the 27/9/2006 together with a copy of Mr Bacons acknowledgement of service stating he wishes to defend the claim. No money deposited as yet, fingers crossed any day soon
  5. OOH you have the same dates for issue and acknowledgement as me shouldnt be long now until we get paid. Sorry no idea how to change your username perhaps you need to PM a MOD
  6. There you go http://www.cag-files.co.uk/barracad/Spreadsheets/England/Complex-bank-charges-calc.xls
  7. Use this spreadsheet to list and calculate your charges, it calculates the daily rate for you http://www.cag-files.co.uk/barracad/Spreadsheets/England/Complex-bank-charges-calc.xls
  8. I would register now, get all your claim details in and sorted. do a final check through your figures again, especially the interest calculation. Then all you need to do on the 3rd is log on pay your fee and its done. This is what i entered in the details of claim section of the moneyclaim Claimant has account XXXXXXXXX with Defendant from December 1999 conducted on their standard terms and conditions. Claimant is claiming the return of £XXXX.XX taken by Defendant in charges and interest on the said charges over the past 6 years. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2.1.e. In the event that the charges are not a penalty they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. Defendant has declined justification of charges despite repeated requests. Claimant claims interest under Sec.69 of the County Courts Act 1984 at a rate of 8% a year from DD/MM/YYYY to DD/MM/YYYY of £XX.XX and also interest at same rate up to the date of judgment or earlier payment at a daily rate of £X.XXp. Hope this helps
  9. Dont panic about the letter, its all expected and normal. If you sent your LBA on the 19th sep you will be able to file your money claim or N1 after the 3rd October, so get it in on the 4th or the 5th, go on holiday forget all about it, then when you get back the money wont be too far away fron being refunded. I'm just ahead of you. I had my case acknowledged by them yesterday.
  10. My claim was acknowledged yesterday 27/09/2006 Its allgoing to plan
  11. I recieved another GO AWAY letter from a ms Pam Cornell (Member Relations Manager) yesterday, but this morning Its MoneyClaim Day The Claim has been submitted and is for £6200.97 including court fees, the Claim Number is 6QZ66150
  12. Ahoy Shipmates!! (Tis Talk like a pirate day today dont you know Talk Like A Pirate Day - September 19 ) Argh... ok the big moneyclaim day is this friday, I was wondering if someone could just check the wording in case i have made a cock up please, me Hearties: Claimant has account XXXXXXX with Defendant from December 1999 conducted on their standard terms and conditions. Claimant is claiming the return of £4579.04 taken by Defendant in charges and interest on the said charges over the past 6 years. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2.1.e. In the event that the charges are not a penalty they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. Defendant has declined justification of charges despite repeated requests. Claimant claims interest under Sec.69 of the County Courts Act 1984 at a rate of 8% a year from 31/08/2000 to 22/09/2006 of £1371.93 and also interest at same rate up to the date of judgment or earlier payment at a daily rate of £1.00p. I think its correct but would appreciate a thumbs up before i make the Nationwide walk ye plank, the scurvey dogs....argh....etc
  13. Snotty letter sent this morning
  14. Cant resist the snotty letter..... Do you think i should or just leave it?
  15. I popped home at lunchtime and there was a response to my prelim letter, just the standard stuff everyone else seems to be getting. I did consider writing a snotty reply quoting the OFT stance on closing accounts but decided against it as it wont really add any value, I have already sorted out new accounts for both me and my lovely wifey:) Still on track - Next step moneyclaim 22/09/2006
  16. I have sent off my LBA this morning to Mr. Bacon, so far everything seems to be going according to plan. I didn't recieve a reply to my prelim letter, but i'm not really bothered about that at all. I did have to revise my figures downwards slightly though. I re-checked my spreadsheet & statements and found a refund of £17.50 back in march 2003 and also I had used the dates the penalty appeared on the statement and not the date the penalty was applied. Anyway its all sorted now and in the post. I got this message when i logged on today "Hello All8pne it appears that you have not posted on the forum for several weeks. Why not take a few moments to ask a question, help provide a solution or just engage in a conversation with another member in any one of the forums? You will get so much more benefit from taking an active part and the forum will benefit from your involvement as well." Sorry. I just read the FAQ's and keep up to date with everyone elses threads, I dont seem to have any questions to ask! I can make some up if you like...... Whats the capital city of Equador?
  17. After entering all the charges and interest charges on charges into the magic spreadsheet I have a total of £4,286 in charges and a further £330.23 to request in my preliminary letter, which is all nicely printed off and sat on my desk along with the schedule of charges. It will get sent recorded delivery tomorrow morning to Mr Bacon.
  18. Statements arrived this morning, so there will be some frantic adding up in our house tonight! So thats 24 days since they recieved the SAR. I noticed in my reply letter from Sarah Watson that the reference was DP/2006/2371 I wonder how many of the 2371 are CAG members?
  19. All8pne

    Court Preparation

    I think a going to court pack would be really useful. Thats the scary bit isnt it? I know most of what is needed is already here on the site, but bringing it together would be really good. I'm miles off court as yet, still waiting for my SAR to be fulfilled. but has anyone who has been to court or has settled and done their homework just in case, got anything to add? Remember the 5p's Preparation Prevents **** Poor Performance
  20. I have a question that i have not seen answered anywhere else as yet, its. I know our claims are limited to charges incurred in the last 6 years, but when does the 6 year clock stop ticking? For example do you claim for 6 years from the date of your preliminary letter, or Letter before action or is it when you lodge your money claim?
  21. I recieved a standard reply from Susan Taylor (Data Protection Administrator) informing me that my duplicate statements will be sent in due course. Pretty standard I guess. I have had a setback with my parachute account though, I recieved a letter from first direct saying i couldnt open an account with them due to my credit rating etc etc, so i have applied for a Nat West basic step account today, hopefully i will have more luck with them. All the best
  22. New account opened and S.A.R - (Subject Access Request) sent today by recorded delivery, next post in forty days then
  23. Hi everyone, I'm just sending an initial post at the moment and am arranging a parachute account before starting my campain against the nationwide.
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