Thanks guys, extremely helpful. will post again if I get any results.

Thanks Mariejader I'm almost ready to go. At the statement of truth on the N1 form, do I need to identify a solicitor or is this done at court. Also what should I enter at "Value" on the form? Is this the value of the claim or the Value of the court costs, Interest, ?? something else??

Hi Bigmac Versus and thanks for your reply. The claim was for a joint account and so I will continue to claim in joint names. Thank you. At present I have 3 copies of the N1 form, my schedule including 8% and court costs and also my particulars of claim. To proceed, I think I need to fill in the N1 form and send it to court with my schedule and particulars of claim. Do my details on the N1 form have to be printed or can I hand write them? also, section 5a asks for "amounts debited in respect of charges" should I include the 8%interest in this figure which goes here. The charges come to £2,896 and with interest (8%) comes to £3,653. Which figure goes at 5a?? (this excludes court costs etc.) Your help would be most appreciated. Many thanks, Graeme

Hi, I have read loads and can't find a straight answer to my probs. I am about to serve a claim form on Abbey National for my charges back. All my charges excluding interest came to over 3k and this is what I had requested. After allowing them an extra month for their admin I got back the usual "Don't make me laugh" letter and now with interest at 8% APR added (using simple-charges-calc) it is now over 3.5K excluding court fees. (£120) On the claim form (N1) should I hand write details such as Claimant details, Defendant details, Brief details of claim and value or should this be printed on? also, in the Particulars of claim sheet, should section 5a show the ammount claimed with or without my interest added. I then send a copy to the court, (with my fee) do I send a copy to the defendant or do the courts do that? Am I missing anything else?? This was a joint account, do I have to claim in both our names? I can send the papers on reciept of your advice. Many thanks, Graeme Mckie

I bought a car From Yes Car Credit (YCC) on 16-6-04 and in total paid £2,685.28 in installments before they reposessed it in May 2005. The total finance deal was £10,539.36 in Finance and charges and £3,128.80 in Insurance and charges totalling £13,668.16. They generously gave me £1,000 part ex on my original car which was worth £2,600. When they reposessed the new car they sold it for £3,912. In total YCC had £2,685.28 in repayments, £3,912 for the reposessed car. (£6,597.20) They have issued Court procedings and claim £6,833.72 plus costs. The total (if they win) will be £13,431 for YCC and nothing for me. They reposessed the car before halves and thirds came into play, (I knew nothing about this deal, it had not been explained) and after recieving abusive, harrassing and threatening phone calls from YCC even before payments were due, (sometimes to extended members of family disclosing account details) It seemed a relief to see the car taken away. I believed this would be the end of it but on 17th October 2005 I recieved a demand for the full balance of £6,833.72. This company has neglected to inform me of the true nature of the agreement as it had been sold to me as simple car finance. They have not protected me as their customer and have been agressive on the phone and condecending, patronising and damn right rude. Can anyone advise me on what to do????? It just seems a total and ludicrous rip off and the consumer credit act of 1974 doesn't seem to apply because of the nature of their contract.