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laxdale

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About laxdale

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  1. UPDATE: Mr Kinnear just rang to say that I hadn't included compensation for closing my account or wasted costs on my original claim and therefore I couldnt turn up in court on Friday and request this. He got me a bit flustered actually, and having hung up I realise that I didnt claim for compensation because I didnt know when I submitted my claim that they would close my account. I think I am going to throw in the towel on this particular claim and then perhaps approach the financial ombudsman about compensation for my account being closed. Is this the best option? I cant really see m
  2. OK so no one replied but as time is running out and Mr Kinnear doesnt answer his phone I have sent the following email:- Dear Mr Kinnear, Further to your letter dated 11th July 07 in which you state that I have miscalculated the chargees due; upon further investigation, I realise now that the reason for the discrepancy is that the summary of charges due to be applied to your account that accompanies each statement and which states that charges were due to be applied in the forthcoming 21/28 days does not always include all refunds of charges that were subsequently applied. Having n
  3. Hi, I received a letter the other day from Ian Kinnear, Nationwide's locum solicitor that basically said that the amounts they were quoting were roughly right, although they had made a slight miscalculation and enclosed with the letter was a cheque for £2.97. Having been through my statements for the umpteenth time I have tonight realised that I have made a huge error in my calculations. Basically, I got my figures from the summary of charges that you receive with each statement. This summary tells you how much they are going to charge you, and then further down it says that payment
  4. Letter received on Saturday offering the full amount and then a bit more over my original claim - £1901.44 in total!!! hurray!!! Worth it in the end. I take it I dont tell the court until the cheque arrives or should I let them know anyway, the case is supposed to be tomorrow but I guess Abbey will let the court know to withdraw the claim but I'm sure I read on here somewhere that you shouldnt let them know until the chq has cleared. Is that right? Or shall I be in trouble with court if I dont let them know today? Also - how do I donate to this fabulous site and how do I mark my
  5. Received a letter yesterday offering about 1k, £600 less than my claim is for. Standard letter, ie there must be a charge for these defaults. Unfortunately I've been away on a course all week and just got back today so havent had time to do the bundle yet. I could do it tomorrow and post everything then as well, but I think I read somewhere it needed to be with bank and court 14 days before court date and my court date is next Tuesday (5th June), and in fact I'm not even sure if I got the letter advising me of the court date 14 days before that date. Not sure how to proceed? Shall I just
  6. Milktrayman is the best!! Just to keep you in the loop. T ried ringing Nationwide today to say I'd got a court date and to see if they were prepared to settle for the £175 they still owe me plus £200 compensation for closing my bank account. Told them I'd got a court date, she really pushed me for the date, and when I eventually relented and said 20th July she pretty much closed down and said, we wont be in touch until the court hearing. I said that was fine as I would be able to claim both the £200 compensation via the ombudsman now, plus whatever it is you get for the bund
  7. Sorry about this but my previous post about the mercantile court was wrong, I should have posted that against my claim for the Nationwide. (had most of it back already just claiming £175 difference now). However, I did get a letter today saying that my Abbey claim (£1675.00 - Buenos Aires here we come!!) had a small claims court date of 5th June. Tried ringing Abbey and was told that they wouldn't settle or even contact me until the court date. I offered to settle without bundle costs etc but they werent interested. Fine by me. More money coming in my direction!! Can anyone point me
  8. Update - Latest Letter Your case has been transferred to London Mercantile Court, which is based within the Admiralty and Commercial Court at the Royal Courts of Justice, Strand, London, WC2A 2LL. Please see for guidance, CPR59 and Practice Direction. Your case has been allocated the number ****-*** this number to be used in future correspondence. There will be a Small Claims Hearing in this case and in several others which raise the same or similar issue at 9.30 on 20th July 2007 in court 1, St Dunstan's House, 133-137 Fetter Lane, London, EC4A 1HD. The hearing is intended to g
  9. I got the same letter, 9.30am in Court 1, St Dunstan's House - just trying to read up on what to do using the forums. Looks like there's a lot of reading to be done. Anyone else got this date or advice on what we should be doing now ??? Thanks again !
  10. Update - Latest Letter Your case has been transferred to London Mercantile Court, which is based within the Admiralty and Commercial Court at the Royal Courts of Justice, Strand, London, WC2A 2LL. Please see for guidance, CPR59 and Practice Direction. Your case has been allocated the number ****-*** this number to be used in future correspondence. There will be a Small Claims Hearing in this case and in several others which raise the same or similar issue at 9.30 on 20th July 2007 in court 1, St Dunstan's House, 133-137 Fetter Lane, London, EC4A 1HD. The hearing is intended to
  11. can anyone offer any advice on the questions in my previous post? Thanks, Jonathan
  12. thanks folks for your kind words of advice. Just re-read Abbey's defence and it refers to me as having a current bank account - I dont, I closed it several years ago having finally been able to escape their hideous cycle of charges. The defence also then talks about overdrafts, and that most of my charges were about exceeding the overdraft limit they agreed. I didnt have an overdraft of any kind and most of the charges were because of a few bounced direct debits and then because they kept helping themselves to charges the day before I was due to be paid, invariably putting me overdraw
  13. EEK!!! Just had a letter back from Central London County Court that reads:- "Before District Judge Hasan sitting at Central London County Court, Civil Justice Centre, 13-14 Park Crescent, London, W1N 1HT. Upon reading the court file and allocation questionnaires filed by the parties And Upon the Court's own initiative IT IS ORDERED THAT 1) The case be transferred to the Mercantile Court at the Royal Court of Justice for the attention of his His honour Judge Mackie CBE QC 2) Take notice that this order having been made without notice, any party affected by it has
  14. Having read some more posts on here, I received today what appears to be some good news, ie that the AQ questionnaire stage has been dispensed with and my claim has been transferred to Clerkenwell & Shoreditch court. However, unlike some of the posts I've read, there is no mention of a court date. Not really sure what I should be doing next. Copy of the text follows:- Without hearing IT IS ORDERED THAT:- 1) The filing of an allocation questionnaire be dispensed with in this case unless the District Judge at the court of transfer orders otherwise ** Note: Any party affected by
  15. Just to keep you updated... apparently the judge has made a decision but there is backlog in getting the things typed up. I know it was only another £170.00 or so but it was the principle and I am looking forward to knowing I got my money back in full. Currently battling with Abbey who are making folks do a lot more work but hopefully and end will be in sight soon. To all the kind folks that helped me with this earlier, thanks so much. Forums are the future, power to the people!!
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