Got woken out of a drunken sleep on Saturday morning by a loud banging on the door. I was going to give whoever it was a piece of my mind, but then it turned out to be the postman with a special delivery letter for me. I Opened it up and it was a cheque for £1514.75 from the bank! Success!!!

Its taken a little while but worth the slog! And I wouldn't have been able to have done it without help from this forum! Thanks to all of you!

Now, time to address the account I was with at university.....

Sorry to be a nag - just wondering if someone'd be able to help on the query raised in my query from yesterday please.

OK - so I sent my allocation questionnaire and various other items to both the court and Cobbetts about two weeks ago. At the mo I still haven't heard anything back from the court, but I have received a copy of Cobbetts Allocation Questionnaire. Is this normal? In any case, in this they say the following:

'Case Management directions cannot be proposed until the Claimant serves a reply to the request for further information which was due on 12th January. In light of this the Defendant may amend its defence or apply to Strike Out.'

I definitely sent my bundles to the court and Cobbetts - this was on pretty short notice (1st Class on 10th Jan), but should still have been received by both the court and Cobbetts in time. I realise I could and should have sent these out sooner, but I got confused by conflicting dates on their submissions (one stated the 17th and it was only at the last minute I noticed the 12/1 deadline). Even if Cobbetts hadn't gotten this in time, if the court did (as they should have - its pretty local to me) would this overrule them? Also, finding this pretty hard to swallow as Cobbetts have been very close to deadlines at several satges in the whole process!

Comments/advice would be appreciated!

WHOA WHOA WHOA!!!

Just spoken to a lady at the court asking about the N244. She advised that as the amendment to my claim was only going to result in it reducing by about £50, I may not 'have' to send an Application Notice. She advised that I note my correction in the Allocation Questionnaire and ask for further advice from the court through this. As such the judge could note this and decide that an Application Notice isn't necessary. On the other hand, so long as I'm asking the question and asking for advice the judge can also go on to come back and say 'Sorry, you'll need an aplication notice, please send one in etc, etc'.

Does this sound Kosher to veryone else? I spose as I'm actually slightly reducing the amount I'm claiming its even kind of in the banks interest to let it go and just pay out the reduced amount, isn't it?

Please advise.

Liam

OK - Me again....feel like I'm being a bit of a pain, but as I said before - just wanna make sure I don't make a boob again.

Filling the N244 out as I write and I just wanted to check that what I'm writing is fine and correct and will assist my case/claim. Could someone just look over this and confirm that its as it should be:

Part A

I Liam Gallagher the claimant, intend to apply for an order of referral (IS THERE A DRAFT OF THIS TO ATTACH HERE?) because the initial evidence that I provided contained an innaccuracy in its interest calculation. This figure should be **** rather than **** as previously stated.

Part B

I wish to rely on evidence in part C of my application.

Part C

Should I just include the updated and correct spreadsheet of charges? Will this suffice as the evidence for my application?

Is that it/all that I'm required to do? Then send this along with my allocation questionnaire to the court, and a copy of the referral + evidence to Cobbetts?

I really, really appreciate all the help I've had so far in processing this and just wanna get it finished now.

Hope someone can help!

Regards,

Liam

Hello there,

Its been a while since I posted last. In the process of pulling together my N244 form response which I'm going to send in along with the questionnaire and the amended figures/spreadsheet. Cobbetts have forwarded me their response, but I just want to make sure the information I'm using is up-to-date and unless I fill in the N244 I'm worried I could lose my claim. Its a shame, as the actual amount for charges that I'm claiming isn't wrong - its just an error in the interest on top of that.

Just a couple of questions really:

1) Does anyone know who the cheque to accompany the N244 should be made out to?

2) Does anyone have any advice on filling out one of these N244's? Is it just a case of referencing my claim and then just requesting a referral with the amended form/spreadsheet attached? I'm sure its not too difficult to do, but its all buried in jargon and I just want to ensure I don't make any more mess-ups in dealing with this

Any and all help would be brilliant. As you're all aware it can be quite daunting handling your own claim up against these banks and their lawyers.

Regards,

Liam

Could someone please give advice re my post on 8th December 15.23 please!

Bricking it a little bit and not sure how to proceed with this now...

DOH!!!

Just noticed that on the original spreadsheets that I put the charges on there was a glitch and it miscalculated my interest! This is the figure that I passed on initially with my claim to MCOL.

I've acknowledged this and amended my spreadsheets accordingly. If I forward these on along with a notice in my letter to them and Cobbetts along the lines of the following will this be ok?

"Please also note that the figures being claimed have been amended and corrected from those stated initially, and that the amount being claimes ins now £1122.40 in charges, along with £157.68 interest (total=£1280.0), along with the £120 court fee."

Or has my inexcusable stupidity already put me at the mercy of the solicitors and voided my claim?

Concerned and scared,

Liam:-o

Ok, so I've actually put my claim on the Moneyclaim site now - cost me an extra £120 to process, but at least its in motion.

I received my Notice of Issue on the 29th November, and then got my Notice that Acknowledgement of Service has been filed on the 5th December, stating that Cobbetts LLP will be acting in the defence and attempting to defend all of the claim.

It does bring it home when you finally see a notice from a solicitor in front of you!

Basically I'm just checking on what my next stage of action should be? Do I have to send the spreadsheet on now to the solicitors?

Had another letter back today from SH. Must admit I'm quite surprised with how quickly he keeps getting back to me!

This one says...

'I regret that there is little that I can add constructively to my previous letter and note your proposed course of action. I have alerted our lawyers and litigation department accordingly. May I please remind you thatthe address to use when initiating legal documents is that of our Registered Office.

Thank you for letting me know of your intentions.'

Is the next stage to go on and make the court claim online then? Do people normally get offered a partial settlement by this stage, or is this normal?

Had another letter back today from SH. Must admit I'm quite surprised with how quickly he keeps getting back to me!

This one says...

'I regret that there is little that I can add constructively to my previous letter and note your proposed course of action. I have alerted our lawyers and litigation department accordingly. May I please remind you thatthe address to use when initiating legal documents is that of our Registered Office.

Thank you for letting me know of your intentions.'

Is the next stage to go on and make the court claim online then? Do people normally get offered a partial settlement by this stage, or is this normal?

Hello all,

Started a claim a little while off. Sent my breakdown of charges and everything and got my first letter back from Mr Higley.

They've pretty much rejected my claim, and said that if I do decide to enter Proceedings then I should write to them at the Registered Office etc etc...

Is this normal? Do I just go ahead and send the follow-up letter or do I go on to make the claim via the Internet?

Plus I've had another £38 charge put on my account btw sending out my letter and gettin the response. Can I get that back too?

L

They've pretty much rejected my claim, and said that if I do decide to enter Proceedings then I should write to them at the Registered Office etc etc...

Is this normal? Do I just go ahead and send the follow-up letter or do I go on to make the claim via the Internet?

Plus I've had another £38 charge put on my account btw sending out my letter and gettin the response. Can I get that back too?

L

Hullo there!

I was infuriated by Natwest hitting me with 3 charges literally the day before I got my wages paid into my account - common sense please people!!! Looking into this further I saw that one of these was for £35 against a transaction of £1.10 purchasing a bottle of water on a train!!! I had a moan to a friend who pointed me in this direction. So here I am...

I've written off and gotten by full set of statements for the account and I've just input all this info into tthe template spreadsheets. I've gone on to start drafting up the accompanying letter and I just wanted to check whether this should be made out to the banks Head Office or to my Account Holding Branch.

Also I'm a little confused as to whether I/we're entitled to claim back all of the charges or just anything over the standard £12.

If anyone could help me with these two little queries that'd be ace.

Look forward to hearing back soon!

Regards

Liam G