The 'track' that a claim gets assigned to is largely dependant on the value, this is decided by the Judge following the Allocation Questionaire (AQ) process. Up to 5k - Small Claims Track 5k-15k - Fast Track 15k+ - Multi Track Claims that are just over the 5k limit can often be heard on small claims track with request to the Judge. If it's well over the 5k limit you should be fast track.

Lot's of us have had identical letter (except dates) from Sandy Watt (YTS - very keen - here's a big pile of letters, answer them) reference CHGS and on a first-name basis. Generally speaking the letter refers to a letter you haven't written (or on a date you didn't write it - if you get my drift.) Maybe this a new tactic whereby the bank intends to claim institutional insanity as a defence.

Day 14 since service of the claim is tomorrow and I haven't heard a sausage from anybody.....is this good or bad? I know from reading (and I do a lot - ask my family) that it is often the case that everything is last-minute from Cobblers so I expect it will all happen tomorrow. So what should I expect? Will I receive acknowledgement from Bank/Cobblers direct or should I contact the court? Despite my confidence with other peoples issues I find myself in a bit of a daze when it comes to my own matters - I think it's a self-preservation thing. Any advice or encouragement gratefully received. Phil

I am currently pursuing RBoS for over £8k before interest, day 14 since service of claim is tomorrow....nothing heard as yet. Since my claim is above £5000 it will be heard on the fast-track. This means my court costs are higher (£250) but on the upside it does mean standard disclosure so I can ask the bank for lots of information that they'd really rather not give me.

Because Matthew Taylor is one the local MPs here this has caused quite a lot of interest from Westcountry TV. They ran a seg last night covering the debate and tonight another mentioning CAG, but no web address alas. They also mentioned one of those 'no win no fee' b*ggers based in Plymouth. He claimed to be recovering £300-400k PER MONTH (if only on 10% thats a bloody good income). I contacted Andrew George's office on Monday to ask if he was going to attend, but apparently he was meeting some poxy delegation complaining about something minor like hospital closures - oh alright maybe thats more important. I was told that his position was one of support for the victims.

Looks okay, make sure you double-check ur maths

Lets hope Cobblers run out of Lawyers, eh? Not heard a sausage from them....2 days left to acknowledge (19th)

Wotchamate Quite a few of us had EXACT same letter ref CHGS from Sandy Watt. I'm even betting you didn't write them a letter dated 22nd (mine said 12th.)

If you guys can get a copy I would be very grateful to receive one too Phil

Stick to your timetables however, this letter or similar has been received by several of us at this stage.

Send LBA from template and simply delete 'you have not replied' and replace with something like 'thankyou for your reply, however....'

Nice Job! This is going to be well useful. Do you think she could get you the history of Royalties/Gold/Premier fees also?

Well it'll be up next couple of times according to report I read recently, due to EuroDisneyPean Parliament concerns over the economic effect of the forthcoming (possibly even current) MASSIVE payout to Southern Irish ISA investors who are about to get 1 Eurodollar for every 4 put in - with the majority of payouts in the region of £20-30k most of them are spending like mad. Happy Days

Welcome aboard! Use the inevitable time spent waiting for them to answer you to keep up your reading here, theres no other effective way of diverting yourself from your impatience, hehe.

Got a wheel too....dont like it, im oldschool when it comes to driving games playstation joypad, grantourismo style game...u get the picture hehe

I don't know if you have seen this thread http://www.consumeractiongroup.co.uk/forum/rbs-bos-successes/49470-contractual-interest-details-case.html but as I recall this case was fairly unique in it's pleadings because of a significant damages aspect, due to the impoverishment of the claimant who's entire income was means tested benefits....might be some useful ammo for you...

That's what a USB PS2 controller is for If you like RTS tho, wait until March and Command and Conquer 3

Nothing further on the claim... Formerly played a lot of BF1942/BF2 but refused to get 2142 cos the demo was poop and I understand the main game comes with spyware... Now playing Company of Heroes and Command and Conquer (RTS games) plus Flatout2 (excellent demolition derby racing game)

If it's not too inconvenient it might be beneficial to hand deliver your S A R and pay them cash (get a receipt!). This can clear up any issues of identification as well as confirming that they have received both your letter and the fee and immediately puts the onus on them. Worked really well that way for me.

Edit looks good mate, you figured out my ramble (excuses for lack of clarity - school run, no coffee, kids in the morning! hehe) Add me MSN, name's same as here and we can chat if needed...do you play games on ur comp btw? I find simulated sensless viloence very therapeutic Well it worked! Briefly...

Going out, back in couple hours if you need me to clear this up...sorry for any confusion

What I mean is... The statement 5. Accordingly the Claimant claims: The bit in blue is a term inserted because you are claiming back your charges PLUS interest on those charges applied BY THE BANK. You aren't claiming these back are you? The bit in purple is directing them to your sec69 calculations for the statutory 8% awarded by the Judge..... They are separate issues, thats what I meant by the last paragraph of previous post... I see you use MSN....do you have a microphone etc? It might be easier to explain what I mean over Voice Chat.....

me again.... Burning the midnight oil mate? @ 5.a. still say you don't need the bit in red, also you aren't claiming back 'any interest charged thereon' (that would be a different issue), you are ONLY claiming sec69 interest. Interest charged by the bank for going overdrawn (where it was the illicit removal of charges that put you overdrawn) is a rather complicated area of claims that I personally have avoided (minefield!) and ISNT related to your claim for sec69 interest. In fact if you had applied 'interest charged' I'm fairly sure you can get sec69 in ADDITION Hope this clarifies....

Why don't you know how much you're claiming?

OK I just been to the chatroom and the consensus is that you SHOULD include the 8% on the front (and I'm thinking 'SH*TE!') but as long as the sec69 request is included in the POC then I should be fine (moderate sense of relief). It goes to show that no matter how much reading you do (and my wife will testify I've done a hell of a lot) and how confident you felt when you started, you will always revert to the human condition, which is to SCREW THINGS UP