Hi all completed further info as requested , and sent copies to the courts and Cobbetts. A reply this morning from Cobbetts is now offering me £1,300 . It is my intention to refuse this and continue with the claim through the courts. I hope that this is the right choice.

the first letter i sent to the bank was on 27th july 2006. sorry about using various threads.

hi all i have claimed from may 2000, but in a defence statement it says im time barred from claiming prior to august 2000. This now means that the amount i had applied for is different from the amount that cobbets say i should be claiming from. Can i just do another list of fee with the revised dates and send copies to cobbets and the court? Or is there something else i should do. It's a difference of about £700 less for me to claim. regards shaky

thank you for the advice. i wonder what i should do if my claim amount is different from the amount originally claimed for on the summons. i see from the defence statement that they say i am time barred from claiming prior to a certain date. I had originally claimed for a few months prior and will need to prepare a revised list of charges. would this revised list forwarded to all parties with an explaritory note in the reply be satisfactory?

Hi all . i have posted info but now can't seem to find it and i could do with some advice please. I have asked for over £3000 to be repaid and so far they have offered me £268 as a goodwill payment. I haven't taken any money and after several letters i applied to the courts through online Moneyclaim. Two days ago, on the 28th day , before judgement by default could be registered, i received a defence statement, and a request for further info. I can now see that i may not have completed the claim form correctly. There are some simple details which i can complete with no problems, however i have a few questions that i need help with. They have asked for the following and i'll write what is written word for word. 1. in your claim you state " i claim a full refund of charges which you levied from my account". 2. please provide the following particulars in support of your claim: 2.1 To what account(S) ( Giving details of name account and sort code) were the charges applied. 2.2 In relation to each charge alleged to have been overcharged please identify (a) the date the charge was charged: (b) the amount of the same: and © the reason(s) given for the charging of the same. IUNDERSTAND ALL OF THE ABOVE AND HAVE NO PROBLEM WITH THIS. 2.3 In relation to each charge the fee identified in response to 2.2 above, please clarify the following: (a) is it the case of the claimant the same should not have been charged? (b) if yes; please explain why the claimant contends that the same should not have been charged? © if no; is it the case that the claimant should not have been charged in this amount? (d) if yes; please explain why the claimant contends that the same should not have been charged in this amount and identify the sum the claimant contends should have been charged. (e) if no; please state the claimants case. 3 In your claim you state that the charges are " unlawful at common law statute and recent consumer regulations". 4 Please specify all ofthe facts relied on by the claimant in support of the contentions in paragraph 3 above, and in particular please identify (a) the particulat statute and/or regulations the claimant refers to; (b) the sections and/or regulations of each statute/regulation refered to; and © the principles of common law relied upon by the claimant in alleging that the charges are unlawful. THE ABOVE POINTS 2.3 AND 4 I HAVE TO ASK FOR HELP WITH AS NOT SURE Since getting this reply i now have had the questionnair sent through by the courts. do i fill this in and send it back straight away? also should i ask for a delay in order to give them more time to settle? As yu can see i'm in a bit of bother with this and would be most grateful if anyone can assist me. :confused: Thank you all so much for your help so far. steve

Hi everyone. i like most now have had a reply from Cobets asking for more info and a defence statement stating that without this information they intent to aply to strike the claim out. I understand now that i should have put more details in the claim and have no worries regarding some of the points which are asked for. my main concern is their request i will write it as it is written :- paragraph 3 In your claim you state that the charges are " unlawful at common law statute and recent consumer regulations". Please specify all of the facts relied on by the claimant in support of the contentions in paragraph 3 above, and in particular please identify (a) the particular statute and/or regulation the claimant refers to; (b) the sections and/or regulations of each statute/regulation refered to; © the principles of common law relied upon by the claimant in alleging that the charges are unlawful. one other thing where help is needed is as follows :- In relation to each charge the fee identified please clarify the following: is it the case that the claimant should not have been charged? or not charged in this ammount? they have asked me to explain why i should not be charged , and i'm not sure what to reply. i really would be most gratefull if someone can help me with these points as i haven't a clue and think i may have jumped in without really doing my homework. Regards shaking steven

no haven't my own thread. how do i do that, and would be more than happy to help. regards steve

Hi all. I have been involved for some time now in trying to reclaim my charges and have so far gone through the letter stages. Nat West have offered me £268 for a claim of approx £3,000. I went onto money claim a couple of weeks ago and submitted my claim to the courts. Nat West have responded to the summons by stating that they intend to defend the case. I now wait for the defence statement from them. Must be honest feeling a bit like a fish out of water here, but determined to stick with it as they seem to be taking this all the way. Steve Hants

Hi all, have been going through the motions with a claim and used moneyclaim to serve summons last week. I have had a response letter today saying they intend to defend the claim, should i prepare to go to court? Steve Hants