Hi all, I sent my CPR18 response, Allocation Questionnaire and Draft order to My county court on the 1st of March. I phoned them about a week after posting it because I recieved a second AQ and they confirmed not to send the second one in as it is a duplicate and they have recieved the first one. I have not had any communication since though, and it is now the 22nd. The draft order was the one that can be found on this site giving Natwest 14 days after they are served with the order I presume they would have been served the order roughly a week a after i posted it to the court so I presume their 14 days is up? Do i need to send anything to the court. Am I missing something? Thanks

Typical! Natwest time was up midnight tonight for them to acknowledge my online claim. I checked at 14:00 and they still had not acknowledged. I thought I was going to win by default. Checked at 17:30 and they had acknowledeged. Oh well. I will have to wait to see what the letter says in the next day or so..

Hi all, Just would like to say a big thanks (and I mean a big thanks) to all the people out there that have helped me. Being several thousand in debt and having the bank knocking at the door for £60-£90 per month in charges was really depressing . Especially when I have a wife and two children to support. My wife got a night time job to try and keep them away but her first wage paid off one month charges! So basically worked for nothing:-x Anyway, for you people out there that are not sure if you should do it. DO IT. You will be nervous, and you will often feel that you are doing the wrong thing. This is purely because they want you to feel like that! Stick with it:) As soon as I have paid off my debt I will donate as much as I can afford. Thanks again Mark

Thanks Michael

OK thanks. Is this ok to send to the legal department of the Halifax in support of my MCOL? Dear Sir/Madam SORT CODE:**-**-** ACCOUNT NUMBER: ******** ROLE NUMBER:************** Please find enclosed a schedule of penalty charges, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £****. I have enclosed the schedule of charges in support of my county court claim (Claim No: *********). Yours Faithfully Mr Furlonger

Hi My claim for the Halifax took approx 3 months from requesting my statements to get to the MCOL stage:| . They really dragged their heals though! If you have your statements I would give it a couple of months including your MCOL (If you have to go that far). It all depends on how much the Halifax drag it out.

Hello, Couple of questions.. 1 ) I was just going to send off details of my schedule of charges to the Halifax's legal department as I have not done it yet to support the claim (it has been sent twice before (PRELIM,LBA)). I raised my MCOL on the 6th Nov and sent two copies off to the court but now obviously my schedule of charges has changed to the one I sent in support of my MCOL because there have been more days since the charge. Does it matter that the version the Halifax get will be different to the two that MCOL received? (I know, should have sent them off at the same time) 2) The Halifax Acknowledged on the 13th and they advised they will defend. What happens now? Many thanks

Thanks Pete

Hi all, Subitted my claim for the Halifax and it has been accepted:) . 1. I notice now there is a Start Judgement option on my claim. Is this something I need to do or is it for after the 14 days? 2. I have just seen a thread about joint accounts. My claim is only in my name. Will this cause any problems? If so can it be changed to include my wife? Thanks

Hi Shaz, Yeah, Makes sence. Here is my final version of POC. I will submit it tonight. 0.43 per day. Should make a few more ££ . Thanks you. You have both been very helpfull 1. The Claimant has an account acc no with the Defendant, opened 12/10/2003 2. Since 08/03/2004 the Defendant debited charges and interest in respect of purported breaches of contract. 3. Defendant is aware of all details as a list of charges has been supplied twice, 24/09/2006 and 16/10/2006. Another copy will be sent. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. 5. Claimant claims: (a) return of the amounts debited of £1,766; (b) Interest per S.69 County Courts Act 1984 of 8% - £196.12 continuing at 8% until judgment or settlement at a daily rate of £0.43; 6. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982. 7. Costs allowed by the Court.

The 8% that I am claiming is not the same as the overdraft interest. Is it? As I did not claim overdraft interest my total is £1766. Meaning that my daily rate is 1766 x 0.00022 = 0.38??? Thanks 5. Claimant claims: (a) return of the amounts debited of £1,766; (b) Interest per S.69 County Courts Act 1984 of 8% - £196.12 continuing at 8% until judgment or settlement at a daily rate of £0.38;

:o 300-400 When you put it like that, then yes, I suppose it is! Is it not too late? I did not mention the interest in any of my letters? I will give it a go. Thanks

Thanks Michael. I fully admit I am hopeless with money so I avoid anything that may be complicated. The 1700+ will be just fine:). Thanks again

Hi all, Could someone cast their eyes over my Particulars:D . No seriously. This is what I am going to put down in the particulars for my online claim to the Halifax. I am not claiming interest so I have omitted that part. As I have already sent the schedule of charged twice. Do I need to send them again? If not I will remove that bit. Just want to make sure I have not missed anything before I do the deed. 1. The Claimant has account (removed) with the Defendant, opened 12/10/2003 2. Since 08/03/2004 the Defendant debited charges in respect of purported breaches of contract. 3. Defendant is aware of all details as a list of charges has been supplied twice, 24/09/2006 and 16/10/2006. Another copy will be sent. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. 5. Claimant claims: return of the amounts debited of £1,766;6. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982. 7. Costs allowed by the Court.