submit the claim, mke sure that you have a schedule of chrges and send a copy to the bank and the court, and keep a copy for yourself then just wait

right my Allocation Questionnaire has arived today. is there anything in particular that i should be putting on there? how shoul i word things? also i am sending a schedule of charges with the AQ to the court, and a copy of the schedule to shabbey irrational

can you explain: how much you are claiming and against which bank how far down the process you are have you sent any letters, etc elaborate please

wow someone at the BBC likes us little people the second link is nearly as useful as this site!!

the makers were on BBC Five Live earlier saying how hard it was to get the banks to explain their charges - not ONE would even give a ballpark figure, what a surprise. consumer power is gonna cost the banks big time

any news? does the post office have a duplicate??

handbag???? i thought you were a bloke lol!!!!

full and final, my 4R5E take it and tell them its part payment and that you will continue to sue them for the rest

take the 50%!!!!!!!!! you would be mad not to!!!!!!!! then claim the rest........lol

dont worry, its slowly creeping into the public psyche

chesham, of course the car was taken without consent i would sue, but i dont know what sort of damages a person could claim

thanks for the info my understanding is that i can claim interest on each and every charge, and from when it was applied to my account however i am unsure when to claim TO for instance - a charge of £20 was applied to my account on 10/10/2001, so i can claim 8% from then, but how long can i claim the 8% for? from when i filed my claim with MCOL? or until abbey file their defence? when?

example--- if you are claiming back, lets say £1000 in charges, stretching back 6 years, do you claim 8% a year on the £1000 for 6 years, even though the charges for the first year may only be £200, then £200 for the second year, etc? i mean - 6 years charges = £1000 - claim 8% a year (£80) then multiply by 6 - total £1480 or do you have to work out what you were charged each year, then claim interest on that amount? for instance: 1st year - £200 - claim 8% (£16) 2nd year - £200 - claim 8% (£16) etc etc for 6 years, then add it all together

please can a mod move this thread to the abbey section? thanks

abbey have taken a further £486 today - 2 weeks before christmas, nice - how to i adjust the amount of the claim?

kerrie has their defence not arrived with you yet?

and thats why i will be winning then

i am a total beginner when it comes to AQ's, are you any good with them? by the way, the third-to-last statement looks like a veiled admission to me.....

GLENN thats good advice - i will send a list of charges to them, in the meantime here is their defence: save as is specifically admitted in thi defence, the defendant denies each and every allegation set out in the particulars of claim it is admitted that the claimant has a bank account with the defendant at all times the account has been subject to the applicable terms and conditions which form part of the contract between the claimant and the defendant and to which the claimant agreed when he opened the account. the defendant will refer at trial to the full conditions but for the purposes of this defence will refer to the following extracts: you can apply for an overdraft on your account. if we give you an overdraft we will tell you your limit and the interest rate applicable an unauthorised overdraft occurs if without our agreement you overdraw your ccount or exceed the limit of an overdraft which we have agreed if you have an unauthorised overdraft you will be charged fees as set out in our tarrif of charges or specified to you and these may include fees for transactions we are unable to process due to lack of avilable funds in your account throughout the period that he has had the account, the climant recieved a number of copies of the conditions and of the said tariff of charges as they were amended and updated (though there has been no material amendment to the conditions) any overdraft facility on the account was (and is) subjet to conditions the claimant has overdrawn or exceeded authorised overdraft limits on the account on a number of eperate ocasions, full details of which will be provided on disclosure. therefore by virtue of the conditions already referred to, such overdrawing as unauthorised and in breach of contract and the claimant became liable to pay fees to the defendant in accordance with its tariff of charges applicable at the relevant time. in accordance with the conditions, such fees were debitted to the account. in view of the facts and matters referred to in paragraphs 3, 4, 5 and 6 above, the defendant denies that the amount of £894 or any other amount was unlawfully debitted to the account and the claimants claim for the repayment of tht amount is therefore denied the claimants contention that the said fees are unenforceable and/or are 'penalty charges' is denied. the fees reflect and are proportionate to the defendants admin expenses incurred due to the climants breach of contract and are a genuine pre-estimate of the damage suffered by the defendant furthermore or in the alternative, even if the said fees are not proportionate to the defendants admin expenses incurred (which is denied), the claimant remains liable to pay such fees as may be found to be proportionate and he claimant is not entitled to claim repayment of the full amount of each charge made to the account the defendant denies that the claimant is entitled to interest no admissions are made as to the amounts claimed by the claimant and the claimant is put to strict proof of the same

DEFENCE FILED will keep you posted

thanks fo the support cillit, love taking on the council me

right - received notice to owner i have asked thm to provide me with photographic evidence of the times of the alledged offence, in order to prove that the offence occurred will keep you posted

a word of warning - paypal only cares about one thing; paypal

should i do this? my claim is at the 'acknowledged' stage

how much is it for please