Court date received for 21st Feb, for half hour hearing. I know it's early days but rung Temi back anyway...she laughed when I told her who I was/claim number as she probably knows who I am by now (!) I said I've now received the court date, have you? She said probably, but its not been updated. I simply asked 'are you in a position to settle in full yet?' She said 'you probably know the process by now, we have to verify the charges to see if they add up. If they do/don't we'll still be in touch'. So I said, 'ok we wait then'. She took my mobile number and that was it. I knew that would be the case but there's nothing like an early morning shake up call

Just waiting on mine Emmy, it's anyone's guess when they'll cough up...between now and the court date of 8th Feb. My guess is the day before! Off to bed now, so night night!

Ok Nailz, am subscribed to your thread now, so will keep an eye out....sorry, site is really slow today so posts taking time to appear!

Ok Nailz, am subscribed to your thread now, so will keep an eye out.

Do you have a link to your thread Nailz, paste it in here, I'll keep an eye out. Keep on going hun, it really is a case of just waiting it out. You WILL win

Nailz, nothing to feel intimidated about - a week by week account just allows me to remember where I'm at - as I have a few claims going. DO NOT settle unless you're happy with the amount they give you (I hope you're only happy with full settlement). It's just a case of sticking to your guns. They can throw whatever they like at me...they will FOLD before the court date and pay up. I'm just bored of waiting...lol. The extra charge they're gonna take off? I'll just negotiate that in my full settlement, or I'll start a new claim...JOY! But I WILL NOT let them bully me into accepting less than what is owed back to me. You just wait, my thread will be changing to 'Won' soon I hope that helps you into NOT giving up :grin:

Emmy, your request for statements should be with the Data Protection Team at Barclays by now. You can try calling them to chase, but they will most likely take the full forty days if they can help it. But you never know, you can sometimes get lucky You can find the relevant department contact details from the sticky threads at the top of each bank forum. I don't have them at hand myself or I would have given you a number.

Received another letter from Halifux today....they will be charging be £30 for going over my o/d limit....lovely.

Maybe I should start a thread for my battle with Scottish Power. Yes, please do...will keep an eye out for it

This thread seems to have gone off in all different directions so apologies to the OP but the same has happened with me Martin, thus I have my ongoing claim with BG to get my overpaid money back. See my thread for more info on how incompetent they are. http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/30251-crash-british-gas.html

Oops, posted that twice! Anyway, I've had a nightmare with BG over prepayment and arrears so it's a real sore point with me.....so I have an ongoing claim with them for....wait for it....overpayment of a debt!

Yes, that too, but obviously presuming if one has arrears that they are aware of this (!) and that an arrangement to pay the arrears is in place.

Oh, don't even go there...after I typed that, I did gulp slightly, because I do know from experience what tw@ts BG can be, but hey, on the face of it - prepayment meter means prepaid gas right? Right? Pmsl!

Hi there, I've recently changed my BG prepay meter to a standard meter without any charges. You're on prepay so you don't owe them any money anyway, and tbh I think they'd be gagging to get you onto a standard meter so that they can sting you even more (I've done it so that I can switch ). I suggest you call them back and don't mention that you were told it will cost £300. Say your friend has just changed her meter over for free and recommended that you do the same...see what they tell you then.

Hello again Siri, Contractual interest is very complicated and if you feel out of depth with it then you're doing the right thing by going for the statutory 8% at court stage. As for help with the spreadsheets, you may want to visit the live chat room, someone may be able to talk you through it. I'm in there most afternoons (although the s/s's aren't my forte, I must admit) but there is usually a fair amount of helpers on hand in there most of the time Just wanted to add you can get to the chat room by clicking on the link that usually appears at the top of the page, or get to it from the Bear Garden forum.

Any more news on your claim neil?

Sorry folks, been away for the weekend so only just seen this. I now have a court date with Halifax for 8th Feb. They dispute my interest and my one charge over 6 yrs and claim they've paid the rest into my account - they haven't. I haven't done my bundle yet, as I'm hoping they'll settle before I have to put all that paperwork together....being lazy..lol. I did call them and leave a message to say if you're willing to settle in full please call me, otherwise we'll proceed as normal (i.e. see you in court). So just waiting now. If they don't budge over the next few days I'll send my bundle in about 16-17 days before the court date, with mhy arguments against the limitation act etc. Hope you're all ok.

Hello again Emmy - Yes, I do have claims against Barclays - one for me and one for my hubby. I started with the S.A.R. on 22 Aug...it's now at court stage, AQs have been filed on both sides for my claim (hubby's is a bit behind my timeline) so I'm just waiting for a court date, and then a full settlement to follow shortly after

Good luck Siri

Emmy you can try calling them to request specific statements although they may charge you £5 per statement...if you're lucky you may get them for free in which case excellent. If not, you'll have to send them an S.A.R. with the £10 for the lot again. It really depends on how many are missing and if you want to pay more for the convenience of getting them quicker.

cab it looks like you've confused yourself. Check on the first letter you received from the court which was an acknowledgement of your claim (also included the form bit). At the top it would have stated a few dates, one of which would say date deemed served. What date does this say? It is from this date that you count 28 days for them to file a defence. From the sounds of it they filed this on the 21st so they were within time. The 14 days you talk about refers to a date on the form - the defendant has until xxxx to reply. You have misunderstood this date to be for the defence to be submitted. It is not. It is the date by which they needed to respond with their intentions - which they did by saying they would be filing a defence later. You have served judgment on them prematurely. I suggest you ring the courts and explain what you have done - they are usually very helpful. Just advise them that you got confused with your dates and shouldn't have requested judgment. They will advise you futher, and hopefully cancel out the judgment so that the case can proceed as normal. It is for these reasons - to avoid mistakes like these - that you must read up and understand what you need to do at each stage, before proceeding, as some mistakes may jeopardise your claim! Speak to the courts and take it from there. Hopefully if it's possible, they'll just cancel out the judgment and continue as normal.

Sounds good to me Bill

Bill, I have one charge older than 6 yrs, which Halifax have defended in a similar fashion. I haven't said anything further to them, as I will be submitting all my documents for my case in my bundle next week, with info on the limitation act, and my arguments against it. To be fair, since we all know they will fold before the court date, I'm not too worried about it, as even if it does go to court, I'll have it out with them then. There is plenty of info available on the site about getting around the limitation act issue, so have a good search and read for information purposes. For now, just proceed as normal...then use the info you've reseearched on to strengthen your arguments. Here's the link for the limitations act: http://www.consumeractiongroup.co.uk/forum/statutes-library/415-limitation-act-1980-a.html This part is particularly interesting which is the stance a lot of people are taking: 32.-- (1) .... where in the case of any action for which a period of limitation is prescribed by this Act, either- (a) the action is based upon the fraud of the defendant; or (b) any fact relevant to the plaintiff's right of action has been deliberately concealed from him by the defendant; or © the action is for relief from the consequences of a mistake; [*]the period of limitation shall not begin to run until the plaintiff has discovered the fraud, concealment or mistake (as the case may be) or could with reasonable diligence have discovered it. .... [*](2) For the purposes of subsection (1) above, deliberate commission of a breach of duty in circumstances in which it is unlikely to be discovered for some time amounts to deliberate concealment of the facts involved in that breach of duty. . . . As far as we're concerned the banks have never revealed the true cost breakdowns of their fees, which suggests concealment. Etc. etc.

Nice one cookie, keep us posted on the developments of your claim

Hi Martin, I'm still waiting to receive a court date, as AQs have been submitted from both ends. They certainly seem to be reluctant to even consider a settlement before this (in my case anyway) and it would be interesting to see if they do cough up before the submission of the bundle, which is extra work...gawd I'm so lazy...lol. Keep us posted on your findings.