Hi Tim, I don't know a thing about mercantile court but did spot a sticky by bankfodder which he suggests is a must read for those transferred to mercantile. see below, hope it helps! http://www.consumeractiongroup.co.uk/forum/abbey-bank/announcement-center-important-document-all.html

Well done!!! It's always good to hear of someone getting back what's rightfully theirs!!

So should we actually start addressing our letters Dear Abbey?? Ooo, reminds me of a good song....was it Dead Kennedys or Lard?? lol

As I've been ill all week didn't actually get round to sending my LBA on Monday. Will post it this coming monday. I did get a surprise GOGW this morning, shAbbey offered to refund £210....my claim is for £565.... although only £90 has been credited to my account. I think they're just trying to confuse me (it is working!) as they previously told me a further £100 would be debited to my account for charges and this hasn't happend. Maybe it's just them that are confused!! I'll be accepting the £210 as PARTIAL payment and continuing with the claim for the rest. LBA due to be sent 13/11/0

Hi Lorna, Have a look round the templates library, I'm sure there's stuff posted there for what's required in a court bundle. I haven't actually got that far yet (will be sending my LBA next monday!) so can't give you any info. Good luck with it all! Karen

Hi Rob, I didn't bother calculating the interest for my claim as I found it all too confusing. Sent my prelim letter just over a week ago, just asking for a refund of charges. I have absolutely no idea how any of this would affect your mortgage......what about opening a new account elsewhere and arranging for your mortgage to be paid from there??

You were being unreasonable?? Who are they kidding??? Good luck with your claim mate!

Hi Tai, The defence looks exactly like the one in Southerners thread.... "getting my knickers in a twist about going to court". Go take a look and it might help calm your nerves a little! Karen x

Got the letter from Mark (windy) Winder today....the usual stuff "sorry you have been so unhappy" etc. along with the complaints leaflet. In fact I got 2 copies of the letter and leaflet! shAbbey's 14 days are up on Monday (6th) so will no doubt be sending the LBA then.

Hi bennet, You seem to have 2 threads going, both with the same content. Ask someone if they can either merge them for you or how to delete one of them.

Hi Barry, I haven't had to send the data protection letter so not sure which one. Have a look at the step-by-step instructions...a link is usually attached to a moderators post....I found it really useful! Hope it helps! Karen x

Hi Shazbaz, If there is a possibility that you have incurred charges before then I'd send the data protection request letter. All letters are in library templates. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/ Also check out the step-by-step instructions. There of great help! http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/243-step-step-instructions.html Karen x

Hi, I've actually sent my prelim letter to the registered address of (sh)abbey: Abbey National PLC Abbey National House 2 Triton Square Regent's Place London NW1 3AN and am taking a copy into my local branch Monday just so they can't deny receipt. Good luck with your claim!

Prelim approach for payment letter sent 19/10/06. It should reach them by Monday

Hi Boop, It is 6 years, although I do believe there are one or two people trying for more. I think it's 6 years back from the date of your claim, although not 100% sure on this as I only started to incur charges just over 2 years ago. Have you read the FAQ's and checked out the templates library?? All the info is there. Karen x