Sorry Lizzy, been a bit pants at updating this thread...sent my bundle off on Monday via TNT to hit their desks yesterday. Have been speaking to Anthony Lombardi on a number of occasions to try and settle (as he promised to speak to me but kept fobbing me off) so now I've sent them a letter reminding them that I've included approx £450 in further expenses (research/postage/docs) to my bundle, as a litigant in person. Now I'm just gonna leave it, and will wait for him to call...only 14 days to go till court so can't be that long now! When he calls I won't settle for anything except the full amount, (plus expenses at a big push, depending on who presses hard enough) on the grounds of unreasonable behaviour (i.e. forcing litigation for something they have no intention of seeing through in court) Tick tock.

Congrats Macky...enjoy

Moses I would be inclined to call them to discuss if they're 'ready to settle' yet. More than anything, it'll give you an indication of where they are at...You should have a name by now of the person who is dealing with your case, so call them. I'd also mention that you are well aware of similar cases which have been settled out of court, so ask them why yours is being treated differently. See how you get on with that, then we can discuss the next step. I wouldn't be surprised if they call you to settle a few days before the court hearing.

I am doing the mexican wave for you right now... WOOOOHOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO! Congrats to you both on such an amazing journey, MWAH!

Hi Oldlax, Barclays are absolutely swamped at the moment so don't be surprised if they don't send you anything....they are most likely to call you to settle within the next few days. When is your court date? If you know who is handling your case at Barclays, it may be worth giving them a call and asking them if they're ready to settle in full.

And second update: Received a letter from Davis & Co. solicitors acting on behalf of BG 'Trading'. They've advised that BGS only recently became aware of the judgment in default dated 10th Jan, and they've requested a cheque for £60 to be made payable to me. They've also added with ref to my letter further up in the thread of 29th Jan that they confirm they've requested further info/docs in relation to my gas account from BG, saying 'we should be grateful if you would allow us until 5th mar 07 to respond on BG's behalf to your request for a refund of alleged overpayment of £393.06.' All further docs are requested to be sent to them. Well, it looks like someone is taking my complaint seriously, but it's interesting to see that their appointed solicitors are looking into the overpayment even though I haven't started a court claim on it...probably coz the first non-compliance claim is linked to it. Oh well....we'll see.

Spoke to BG trying to locate this woman, to no avail. One woman actually read through my payments etc and it sounded like I may have paid £5 each time I credited the meter rather than the meter taking off the equivalent of £5 per week (why couldn't they give me this info two years ago?) BUT still no statements to back this up, and all she said was the relevant dept is dealing with that issue. Yeah right.

Nice one

That's excellent news Lucid! May I suggest that you give them a fax number that someone else may have? I have a fax here, and a scanner, and am more than happy to scan their correspondence and send it to you by email, but I completely understand that you may not want me to do since I'm a mad stranger!! Perhaps someone you know, closer to home?

Neil, not heard from you in a while, but wanted to let you know that Halifax called me and settled in full on Tuesday - court date is/was 8th Feb, so hang in there

Might work...any one else have any thoughts?

EXCELLENT NEWS...I've just done a mini-mexican wave for you....that's so good to hear, you are FINALLY getting nearer to the end of this

I am more than willing to help anyone in any reasonable way in which I can, however, I too, am entitled to some anonimity of my personal records. If someone can make a suggestion that doesn't compromise my personal details so much, then I'm game

That'll be Mrs Crash, thanking you....

But surely I'm not the only person who has had charge(s) refunded back pre-6 yrs?

Yes I did

Yes, they did everything like clockwork, and then settled 9 days before. You just have to stick to your guns when they call and don't settle for less than the full amount (making sure you know what that is, including daily interest)

Just to let you know I had one charge pre-6yrs with Halifax. When they called me on Tuesday (court date for 8th Feb) they threw the limitations act at me, I threw the 'concealment of true costs bit back' and after a bit of banter, they settled in full, including that old charge.

Glad to hear you're making a start Em. Keep us posted on updated as you go along

Hi tiglet, no harm in ringing Halifax to explain the situation and advise them as the account is in dispute, other parties should not be calling you. I'm not completely au fait with debt collection agencies though, so maybe someone else can guide you more? Failing that you can always pop into the chatroom where someone should be able to help....or know someone who can!

Kevin, go to the relevant website page, copy the full web page address at the top, and then paste it direct into the post

Nailz, don't panic, even though you've stated 7 days, give them 14-16 days. Then file your court claim on an N1 form, which you can post to your local court (I posted all mine, all handled very promptly). And when you're ready to file N1, pm me and we can chat on MSN about how to do it. In the meantime, have a read of the information in the Bank Templates Library on the N1 form. It tells you the wording etc. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Getting exciting now, isn't it?!

Some woman from BG has left me a message saying she doesn't have the full details of my complaint, and as much as she would like to, she can't help unless she knows what the problem is. Tried to speak to her today but had to leave a message. In the meantime, Ian White from the data team has sent me an identical letter to before, asking me to fill in a form and send a tenner, for them to be able to provide me with my DPA information...despite me speaking to him a few weeks ago about this. They obviously don't know what they are doing, and want to be awkward. Still, we'll see where I get to with this lady who 'wants' to help.

Nailz, just to follow on from what kfdh said, that's pretty much what happens, HOWEVER, I would recommend that you use the N1 paper form rather that submitting your claim online, as it gives you much more space to write a full Particulars of claim, and you can attach an uptodate schedule of claim with it too.

No Nailz, your court date will be issued after you and halifax file your allocation questionnaires (which are sent to you from court) so no need to do the bundle yet, but so start putting stuff together, and researching/reading up on the bundle info, available in the library. And there's no need to panic about not knowing the law stuff...I only said about stuff I knew/had read up on. Anything I couldn't handle I just turned around and said I'll see you in court to argue it out. That soon had him squirming!