SPREADSHEETS here use the complicated one and on the 8% sheet ( save it first in case it doesnt work) you just add th percentage rate of 28% or whatever in the yellow box at the top and it will jiggle the numbers for you, ( you will need to make sure you change the 8% wherever it appears so they kniow what you are claiming for and you are consistant. good luck on getting the contractual tho, they seem to fight harder for that!

ok well point 11 is fairly obvious, a list of the charges or if ness photocopy each statement with a charge on it. ask the court which format they would prefer the proof in. point 8 and 9 their standard response, ask the judge to force them to full disclosure of their "actual costs" as you refute that it is a "genuine pre-estimate of charges" and that you would be pleased to pay any such charges as they can prove they have incurred but they can only prove those charges by full disclosure. the judge will help you and probably order then to disclose and they will pay up and run off. it is a game, they are cuttign and pasting details across just like we did with those first letters, they cannot prove how much it costs them to send a letter without the whole world finding out and going up in arms! they cannot force you to pay the actual unless they reveal the acutal, so they will posture a bit and then give in. point 8,

no probs stoppa, we all had to start somewhere. re interest you can either claim back the actual ( extrapolated) interest ie using the complicated spreadsheet and then 8% or you can go for (experimantal) contractual interest on the premis that they borrowed money form you at their unarranged borrowing rate. they will fight this but i know some people get it back, you cant claim both actual and contractual interest. and they will argue the toss re contractual interest that they havent got a "reciprocal aggreement" ( meaning if you borrow they charge you 28% and if they borrow they have to pay you 28%)

i did my claims in person at court( couldnt get the particulats to fit ) so with that they will have received a copy of the list of charges ( with 8% conveniently by the side for them ) of course they will claim not to have received that ( altho i know it will be attached to their copy of the N1) so i posted a letter to the bank and to their lawyers on the day i filed the claim with a seperate copy of the charges included. two reasons. one they can now not claim they didnt know about the court claim, i have POD of the letter and even if the bank is happy to lie and say they lost the letter i doubt you will ever get a solicitor claiming they lost notice of action against a client, just wont happen! ( this means that i can prove they knew about the action and can refuse to allow a judge to set aside if they decline to defend the case)also they have at least three copies of my list of charges and i really wont entertain any delays while they re-request this data. quicker they get the info and the fact that they will not get away with it the quicker they will advise their client to settle

congratulations james and good luck with the move, it does irk somewhere that my claim is for half yours and they have stonewalled me completely the whole time, i am now suing, things woudl be a lot easier to stomach if they had some uniformity of dealing with these things. ahhh well you have beaten them, and i will beat them eventually. enjoy spending all that money

i used the spread sheet from the library, you list the charges and the date and then list the interest you have paid and the date and the balance at the time and it works out the value of the interest that related to that or previous charges. added neary £70 to my £400 claim. ( course that was before i paid out court fees and added s69 interest at 8% hehehe)

do court write to me or do i jut call them on the 6th to see if a defence has been entered? just wish somethign would happen, it has taken two months to get here and its still all waiting waiting waiting!

so do i hear form the court when they have defended or what? its such a pain doing it offline as it takes so long for snail mail to get thru etc. cant beleive they havent offerend me anything yet. they only have till 6th nov to reply to court. feelign a bit like im dangling on a thread waiting for the other shoe to drop:( anyone any pre court advice, am assuming they will let it get that far as defence etc. eeek

so do i hear form the court when they have defended or what? its such a pain doing ti offline as it takes so long for snail mail to get thru etc. cant beleive they havent offerend me anything yet. they only have till 6th nov to reply to court. feelign a bit like im dangling on a thread waiting for the other shoe to drop:( anyone any pre court advice, am assuming they will let it get that far as defence etc. eeek

thanks closey will check that out

right post has been and nothign form them, so off to court to issue today will probs be served by tues, will post court details when i get them

nearly there now ( she says cacking it that she is about to issue papers and there is about a 4 month wait till the money comes back - judging form your thrad) keep toyour guns and they will have to cave, think on ths how will they offer full disclosure? they wont! so they will pay up they are just trying to scare you.

we have our mortgage their so im hoping it will all be ok but if they are goign to take it to court themn we may get clobered

hmmm dilemma, we have been turned down for the parachute account we had set up, not sure i want to issue court papers tomorrow as we "bank" with woolwich, if they decided to close our banking down we would be stuck for dd's etc. might delay untill i have an effective parachte set up but does anyone know how i can check my credit report online and find out why the bank turned us down? ( they didnt say) it was halifax BTW. hmmmm, dilemma

you will get abotu 11 letters form barclays and then they will ignore you for a while i am filing papers tomorrow as they have not repied to my LBA. silly silly people!

well they got till tomorrow to reply to my LBA, the initial flurry of letters form barclays ( who are dealing with it) has dried up good and proper and have heard nothgin for two weeks now so i guess im back of to court tommorrow

what happened with thisone?

id say go with the flow, it is maddening when thy seem to have no system ( they pay out some people on one letter others go to the wire as you put it) get ready in your head for court, get everything requested by the court ready and in on time ( if there has been anythign requested) and expect to turn up. when abbey then crumble and throw wads of money at you you can just take it and smile. if they dont then you can look the judge in the eye and tell your story. that is all the need form you, they are as eager to get thjis to court as you are, in fact the only ones who dont want ot be there are the banks. keep your chin up, i have just filed papers on abbey so i wont expect them to rush to pay me off and keep it out of court then what a farce!

dude i have already spent it IRL! LOL still they will have to cave eventually...

i think if they fail to acknowledge after the 14 days you can apply for judgement, but if they yahve acknowledge receipt they still have to enter a defence in the 14 days , will check my paperwork on this tho as i may be wrong.

id contact the information commissioner for advice on this one, they will see it as a major problem and will beat abbey about the head for it! dont do anythign with them untill you have a chace to phone the IC on monday. what a shocking breach of security! just what watchdog were talking about last week, banks and building socs being very very lax with OUR banking security!

*court details* Southampton county court 6so06980 £514.18 + s69 served 22October until 6 th november to reply ***********************************

*Court details* Southampton county court 6so07003 £819.66 + s69 interest served 22 October until 6th November to reply. **************************

tell me about it, am claiming back for my mum, my dad, my sistear and my sister in law

refuse to allow any or all of it to be offset. if oyu have a loan with them there is no reason to make you pay it all off now unless you have been defaulting on it. id write back that you intend to take this to court unless they will agree to pay you back by cheque upon which time you will investgegate the settlement figure for your loan sohould that be appropriate.