Hiys Di... At the same point as you, we can compare....Dont worry hun

Diane No problems, dont be scared, its your money and you have every right to be doing what you are doing. It is kinda scarey as its now all legal....but together we can do it

Notice of issue received in post. Deemed to be served 12th November...its a Sunday LOL

I am very disappointed that you have failed to respond positively to my letter etc etc...is what most of us have put

Thank you very much Hoogie...I can settle a little more now

MCOL is saying issued 07/11/06...... I have also noticed that the court address is in Northampton.....I live in Wakefield....does that make a difference? Do I send a copy of the charges to the Northampton court and one to YB now?

Ok have done the MCOL...fingers crossed I have done it right LOL...god my head has gone now its at the court stage... Who needs the claim number? And am I right in thinking I need to send a copy of the charges with interest to my local court and one to YB branch?

Cheers, I really cannot remember when the account was opened so best to leave that out.....if it is needed then I am sure that YB will have to tell us that info.... Once again thank you

Please can anyone advise?

1. The Claimant has an account xxxxxxx with the Defendant. 2. Since 19/09/00 the Defendant debited charges and interest in respect of purported breaches of contract. 3. Defendant is aware of all details as a list of charges has already been supplied. Another copy will be sent. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. 5. Claimant claims: (a) return of the amounts debited of £419; (b) Interest per S.69 County Courts Act 1984 of 8% - £71.83 continuing at 8% until judgment or settlement at a daily rate of £0.09p; 6. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982. 7. Costs allowed by the Court. Is this right anyone, I have read that much I have confused myself and now sat not knowing what the hell I am doing... This needs to be done today as no offer or anything has come in todays post.. Much appreciatted ..

Thank you very much for that, shall re word it and hope it will be acceptable

Right thanks, have looked and have another question.....I really dont have a clue when the account was opened, I know it says you can put just the year....but even then I am not too sure at all. If I put a year and its wrong can they throw it out for that?

Ok looked on MCOL and I can get both Initials on there so thats what I am going to do... I have got to the part *particulars of claim*...what do I type there? And on the *amount claimed* do I put the amount plus the interest in there? Help appreciated

Standard letter we all have got, you will still get your statements showing all the charges so no worries

You should send it to your local branch, not sure if you should carry on and send the rest to your local branch or if you should start again and send your SAR to your local branch..someone will be along soon and be able to say.....

I think I shall get the forrm N1 from the court.....then I can ask a few questions while I am there

Letter received today .. I refer to your letter of 23rd October 2006 and, as requested, I have reopened your complaint and a further review is being undertaken. Please accept my apologies for the delay but I hope to respond to your complaint shortly, and in any event, in due course. Please be assured that every effort is being made to bring your complaint to a satisfactory conclusion. Signed by Neil McKirdy, Customer Relations Manager. Ok looks standard to me, after reading a few other threads it seems that I am better off going to the court and asking for an N1 form rather than filling the MCOL as its a joint account...am I right in thinking this?

LBA took to branch and receipt got

Cheers, all printed out and ready to go, with a copy of schedule of charges.

OK got the sod off , you should have run your account better....blah blah blah letter... So is it straight to the LBA now?

Well done

Oh right I am with it now, its just a standard response they give most people....makes no difference to my claim...but thanks anyway

Hi all I have a Skycard, limit was £3500, about a month or so ago I paid it all off and kept it for xmas etc.....then last night I tried to use it and it wouldnt authorise.... Got back and rang them to be told that they have lowered the limit as we have too much available credit to us... Then this morning got a letter telling me it had been lowered...that they had run a check to find I had loads of credit...all on £0 but nevertheless they didnt see we needed such a high limit! Anyone else had this problem? I have been on Moneysavingexpert and it seems that loads are having the same problems...

Cheers Ozzy shall nip on over and post in that section... Wacky I dont understand why you have posted what you have, I have no probs claiming with YB. I dont need to claim with Skycard, never had any charges on it just wanted to know if anyone had their limits lowered recently.

Anyone know where I should put something about Skycard, have looked and it hasnt got its own section. Anyone had credit cards lowering credit limits b'cos they have too much available credit?