Hi All Well what a week! Got rushed into hospital on Tuesday with gallstones (bloody painful!!). Whilst in hos the court sent aletter to say that sNatch West had bounced my cheque for the AQ so Hubby bless him had to go and pay it for me today. Hospital have let me home on a 48hour pass. Got to go back Monday for an op (hopefully) so have got home to go through my post..bills,bills,bills etc. At the bottom of the pile was a letter from SCM FULL SETTLEMENT £5891.83 +costs+interest=£6305.04 Thanks for all your help and support and donation will be made when cheque is in the bank and cleared.

Hi All Well I've added it all up and it comes to £3250 so will get my prelim done tommorrow and get the ball rolling.

Hi Scissorheart I recieved SCM AQ and they have said not available for NOV and asked for a month to negotiate. They filled in the wrong AQ (my claim over 5k) so dont know if this makes any diference. Sent a reply saying how much I will settle for etc etc. Not had anything from them or the court yet. Good luck

Hi all Statements finally recieved from shAbbey today so will spend tonight going through them.

HI YES you can claim again. Follow the same procedure as before.

If they are selling copyrighted templates can they not be reported to E-Bay for this?

Congratulations

Hi Below is a letter Gary H gave me to send to SCM as a reply to their AQ. Dear Sir/Madam, Thank you for providing me with a copy of your completed N149 Allocation Questionnaire, which I received on **/**/****. Referring to the Allocation Questionnaire, I must admit to being somewhat surprised by your response to Section A (Settlement). You have ticked ‘yes’, thereby requesting a one month postponement in proceedings in order that a settlement may be reached by way of negotiation. Please note that throughout the process of this claim, neither yourselves nor your client have ever given any indication whatsoever that you wish to settle this matter without the need for litigation. In fact, all my previous attempts at dialogue with your client have been met with outright refusals to negotiate this matter, and on **/**/****. I received a letter from Lloyds TSB’s service recovery centre which explicitly stated that the bank had issued its final response and therefore would not enter into any further correspondence. It is for this reason that I felt I had no alternative but to seek redress by way of Court action. Having said the above, I do believe that litigation should always be a last resort and would of course be happy to settle this matter without the need for a court hearing. Please be advised though, that I am completely confidant in the strength of my claim and believe that your client’s charges could indeed be proved to be unlawful penalties which you are trying to cloak as contractual service charges. For this reason, I will only settle for the full amount of the claim, namely £*****. In light of your indication of your intention to negotiate settlement, I will await your communication informing me of how you wish to proceed. A copy of this letter will also be sent to the court. Yours faithfully Hope this helps

Congratulations:)

nat west and lloyds equal

Feb last year to clear LLoyds overdraft and some other things. Had some with them before and they were ok tho not had problems with them so far that is.

Hi dax I have a loan with them now and will be interested to see how you get on with them

Hi Suzy Got claims at court stage with Lloyds and Smile but trying to spread them out at mo. Can't afford the court fees til I get a win in the bank lol Good luck with yours hope you get your money soon

Congratulations. You can have a good Xmas now!

Hi David Below is a copy of the letter Gary H gave me to send SCM when I returned my AQ Dear Sir/Madam, Thank you for providing me with a copy of your completed N149 Allocation Questionnaire, which I received on **/**/**. Referring to the Allocation Questionnaire, I must admit to being somewhat surprised by your response to Section A (Settlement). You have ticked ‘yes’, thereby requesting a one month postponement in proceedings in order that a settlement may be reached by way of negotiation. Please note that throughout the process of this claim, neither yourselves nor your client have ever given any indication whatsoever that you wish to settle this matter without the need for litigation. In fact, all my previous attempts at dialogue with your client have been met with outright refusals to negotiate this matter, and on **/**/** I received a letter from Lloyds TSB’s service recovery centre which explicitly stated that the bank had issued its final response and therefore would not enter into any further correspondence. It is for this reason that I felt I had no alternative but to seek redress by way of Court action. Having said the above, I do believe that litigation should always be a last resort and would of course be happy to settle this matter without the need for a court hearing. Please be advised though, that I am completely confidant in the strength of my claim and believe that your clients charges could indeed be proved to be unlawful penalty’s which you are trying to cloak as contractual service charges. For this reason, I will only settle for the full amount of the claim, namely £***. In light of your indication of your intention to negotiate settlement, I will await your communication informing me of how you wish to proceed. I trust this will come before **/**/**, as this is final day of the month you requested to reach a settlement in your allocation questionnaire. A copy of this letter will also be sent to the court. Yours faithfully Hope this helps My reply going to SCM tomorrow

Hi Blt I would write one more last chance letter and add the extra charges to the spreadsheet and then go for the claim. Good luck

Hi Dave Looks ok to me. I put a similar letter in when I sent SCM my AQ but they have not responded to it. Will keep copies of all letters sent to them to be handed to the court.

Well Done

HI all Got a reply to my prelim from Mr Udder the milkman today. Offer of £136 against a claim of £638. Don't think so! LBA going off tomorrow.

Thanks Gary Its all ready just got to put dates in. Thanks

Hi Wavey I did my claim with just the 8% interested and it came to 800 over the 5k and thats being allowed to go small claims track. Once you recieve your AQ you will be able to put a statement in that states why you think it should go smalls claim track. Only difference going over the 5K is to file court claimmcosts £250 and AQ costs £100. Hope that helps

Hi Wavey I did my claim with just the 8% interested and it came to 800 over the 5k and thats being allowed to go small claims track. Once you recieve your AQ you will be able to put a statement in that states why you think it should go smalls claim track. Only difference going over the 5K is to file court claimmcosts £250 and AQ costs £100. Hope that helps

HI Dave How goes it? I recieved SCM's AQ today. They've filled out the N149 whereas I had to fill out the N150 cos my claim over 5k. Twits!!! They say usual stuff not available in November etc.

HI all Recieved my copy of SCM's AQ today. They have completed the N149 I was sent the N150 as my claim is over 5k. They have put the usual drivel extra month to negotiate , 1 witness, will rely on the defence and T&C of account and not available for November. Will send letter off tomorrow to them. Will it make any difference that they have completed the wrong AQ? Many thanks

HI I would go with what the court lady said to you and if they hav'nt even bothered to send the forms back to get judgement removed issue the warrent. That'll teach them!!!!!!! Good luck