wow thank you so much for your responses. It makes me feel a little better that i can still proceed and all my efforts todate have not gone to waste. I will send off the SAR asap and continue with things and hopefully it wont be too long before im celerbrating too. Thank you Voddie xx

I ask this as i have got as far now as i can before i apply to court and i have discovered that my ex has proberbly thrown my bank statements out by mistake. I have got my spreedsheets. They are up to date and i have of course followed the correct procedure of letters with spreadsheets not including interest. My main concern is that when it comes time to prepare a court bundle, if i need to enclose all the statements i did have, it means i will proberbly have to start the procedure all over again and apply for further copy statements. Plus, will they do that or can they refuse to send out further copy statements even if i send of the £10 and letter again. Anyones advice would be great as i was so close to tears today after discovering that they have gone. I am claiming back nearly £5k without interest and really do need the money. please please please help me. Voddie xxx

Can i just add every single time i have been underpaid and had to fight for every penny i should have been paid, i have even involved local mp's to help me....not once i have i been overpaid...i wish iwouldnt be in thiis mess if i had................im one of the rare people that can even get paid the only they are supposed to get.

Ok wasnt sure where to post this thread but for years i have had major problems with working/child tax credit, each time i have received letters apologising for getting things wrong but in the past 6 years i have been put in povity to the point of even having food vouchers, built up rent arrears and had to try paying them off bit by bit with a suspended eviction order against me and i still went out to work to make things right. each time i have got employment they have messed up my credits meaning my rent is messed up had to go back to court time and time againt to explain why, i have been made to quit too jobs in three years cause they stopped my working tax credit without notice and wanted to investiage it for months meaning i had no money to cover the child care i was claiming. They hav edone it to me yet again and this time with a suspended order the housing associatin are going to make me and my chlldren homeless and i have quit my job due to not being able to make child care payments for summerholidays...after 6 years of mistakes from these people making me so poor and my children suffer there must be something i can do to make them pay. Anyone got any advice voddie xxx

With most companies i would say yes but some, as i said earlier do it for protection for the person in which they are calling and i find that totally understandable and acceptable. You dont have to have been a finalist on Mastermind to if a solicitor's phone number is calling you back and you have been beating up your partner what that phone call is proberbly about (i am not saying anyone here by the way just giving examples of situations, not accusations), neither would it much of a shock if you rang back a number you didnt know and found out it was an STD clinic or Mental Health Clinic. You would know someone in that household had been in contact with or attended those places. All a person has to do if they are nosy is dial the number back or even go on the net to locate where the number comes from. No patient history would be released anyway but someone in your household would know your secrets or who you are in contact with and sometimes thats enough to cause major problems or issues. It is times like this i feel numbers should be and are held to protect and provide privacy for the individual.

Actually i will think you will find there is a very good reason why some NHS clinics, hospitals etc choose withheld number plans, not every department is phoning about something you would share with your mother over a coffee and a biccie if you know what i mean. Solicitors also use these withheld number lines, maybe not so important for some case files but for an abused partner trying to file and injunction or find out advice on how to go about divorce or sheltered housing, the last thing they need is a number that can be traced back if a recorded log is left on the phone. Some companies do this to protect the person they are trying to get in touch with, not to victimise. Oh does it show i have 8 years of working in law behind me and now work for the NHS lol

You cant do anything until the 40 days has passed. Which will be beginning of September. In the meantime i would recommend reading up on the whole process, so that by the time you have recieved your statements you know what the next steps will be and you will be confident in doing them. Good Luck

I cant understand why you are letting them keep you waiting. Have you sent off your allocation questionnaire, if not why not?. They use these tactics to hold fire on settling and your playing right into their hands Your the Claimant, your sueing them, you decide the time lines as long as you can show the court you have given them enough time to respond, which by now you most certainly have. Send the allocation questionnaire off, get your court date and wait for them to suddently make payment of your claim with interest and costs, usually a couple of days before the hearing date and a request that you inform the court that you are withdrawing proceedings as payment has been made in full. Your being far to soft with them. Go for it

Proberbly, and i wouldnt call to answer it....im surprised it isnt one of those premium rate numbers which you have to call at about £1.50 a minute for them to try and make back some of the money they are losing out on now lmao Where were they when we tried to call to ask for back up or help or a temp overdraft just to help get by for a couple of months.......their answer was BOG OFF. The 2 minute questionnaire doesnt relate to your claim, its proberbly just an idea from the marketing department, some men in suits had in a morning meeting when they were arguing over the last of the custard creams to dunk in their coffee.

A friend of mine received the same letter with a statement about keeping matters confidential. She had to sign this letter in order for the money to be released in to her account over £3500.00 . She signed the letter but crossed out the sentance stating all matters relating to this settlement to be kept confidential. She copied the letter for her own safe keeping and sent the original back registered post. The money was released with no further question to the fact that she amended their terms. If you cross out the confidential section and they still pay up and you keep a copy of this letter they can not dispute it at a later date as you have clearly not agreed to all of their terms. You could also inital and date where you have amended their correspondance incase of any backlash. Voddie xx

Just the one Andy, come on you know 3-4 is more like it lmao8-)

All depends how far you are along hun, if you havent submitted your claim to the court you can still keep adding charges on as long as you list them on your summary of charges that you send with each letter or LBA. Once things have got to the court stage you may have to put in a new claim at a later date. Well this is the information i have read on the site so far so im sure thats the case, if still unsure look on the FAQ as im sure they will have something about that on there somewhere. Good luck Voddie x

13.5 K guess whos buying the next round down the pub then lol Lobster mines a black russian when ya win mate

Right got me back statements and me light blue marker pen last night and started going through the ream of statements in front of me....rough calculations show that they owe me £3023.50 i am a tad confused by a couple of things though (doesnt take much for me) There are two other fees i can see on my statements, one is Auth O/Draft usage Fee and the other is Overdraft Admin Charge both these fees seem to vary. Can i claim one but not the other or can i claim for both? If i can then that would mean my claim was £3199.50 before interest and costs:eek: Well tonight looks fun, me vindaloo, voddie and bags of statements that need transferring on to spreadsheets....

oh dont know what happened there it took ages to load up and then there was lots of the same message posted ....oppssssss.....couldnt find a delete button on edit either....mmmmmm must stop flushing head down loo with bleach in

Andy did you decline their offer via writing or telephone. If you did this by phone i would send a letter out declining this and again demanding full and final settlement and give them 7 days. If you have already done this the the LBA with schedule is the next step giving them 14 days to payup. Fingers crossed for ya Voddie xxx:-D

Andy did you decline their offer via writing or telephone. If you did this by phone i would send a letter out declining this and again demanding full and final settlement and give them 7 days. If you have already done this the the LBA with schedule is the next step giving them 14 days to payup. Fingers crossed for ya Voddie xxx:-D

Andy did you decline their offer via writing or telephone. If you did this by phone i would send a letter out declining this and again demanding full and final settlement and give them 7 days. If you have already done this the the LBA with schedule is the next step. Fingers crossed for ya Voddie xxx:-D

You need to do your letter before action first advising them that you are taking that route and giving them 14 days in which to settle the full outstanding amount that you are asking for, you must also enclose a spreadsheet showing all the charges you are claiming( i hope you have gone back 6 years, as that is what you are entitle to claim for) . After 14 days you then can make your claim against them. All the letters you need (LBA etc) plus spreadsheets are on this site. I am also sure that i saw on some of the standard letter templates in different coloured writing things to add if you were requesding/demanding a defult be removed as well. I would have a good read of all the FAQ and the other sections where the templates are located to familiarise your self with the proceedure. Good luck Voddie x

Hey Hey got home last night and the statements were there. Didn't have time to check to see if any were missing last night due to working late but the ball is rolling .................here comes my highlighter pen :grin:

Good luck falcon, my 40 days expired on Sunday after i received the standard letter and returned cheque about 30 days go. Sent off chase up giving them 7 days or else today recorded. Fingers crossed

I got the same standard letter from Barclays (im sueing the Woolwich). Yep they returned my cheque too. 40 days in now over well ended Sunday so i gather my next step is to send out the failure to comply and 7 days. Voddie