You have to have an English or Welsh address for correspondance, if this is available then it is possible to claim in English courts ( or MCOL). When the time comes for court, your nearest to any Scottish residence, I believe, is Carlisle.

mm okay...I can find about a dozen threads where the reference is masculine, so I must have picked up that nugget in there somewhere.... Apologies to the OP, and also to the delectable Ms Watt (I do like scottish girls ) if it will help my settlement along. Maybe she looks like that 'Ruth' that used to be in Eastenders. yummy. If it doesn't speed my cheque to my doorstep, she's prolly more like Rab Nesbit's missus This will teach hir to come sneaking round our forums, huh? hehe

Ms Watt is actually Master Watt....big girlie name I know, but the Scots quite often do that Wait until Cobblers get involved, then the FARCE will be with you.

What about the doctrine of Laches, though?

See your PM, Don.

Booooo! lol

Maybe we should keep quiet....if an element of what we are claiming back off the bank is VAT, then maybe the banks could find a way of getting the liability for the refund of the VAT element put on the Governement. Don't fancy our chances then! lol However, be a really nice way of getting the IR interested if they think they've missed a trick...bank can hardly call it a service and NOT pay tax, surely....weeeeeee! lol

Keep it at branch level as long as you can, Customer Relations are bows-under by all acounts. Matters not in the long run. IMO

There's a guide to completing AQ in the templates library. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html I believe I made the same mistake in my POC as you...I stated I was claiming section 69 interest but didnt add it to the total claimed as the form was somewhat ambiguous. I understand that it should all come out in the wash.....

General consensus is that Recorded delivery isn't worth the extra cost. Posties often don't bother to collect signatures from big companies. If you sent it to branch then perhaps consider giving them a ring to check they got it. If you sent it directly to Customer Relations then they probably won't be able to tell you whether your's was one of the several hundred they are receiving daily... Assume it got there in 2 days and set your timetables accordingly...

Good news, bad news. Sorry to hear about the disappointment aftr all your work. Godd luck this morning. Phil

any news, sparkie?

Don't need luck, just the patience of Job. ;0)

Add the interest at this stage only if you intend to claim Contractual, or Interest charged on overdrafts directly attributable to charges. If the interest you are referring to is the Statutory 8% 'Judicial' interest then this should be omitted until court stages. Don't know what address you used to start with, so can't comment.

If you intend to continue (they haven't offered you the full amount so you can if you want) you would have to accept the offer as an 'interim' payment and I have to say it's unlikely you will see it. Plus they can't make you sign away your legal right to persue the recovery of future unlawful charges, whatever. £7000 claim on MCOL is ok, that will be in the Fast Track. Use whichever court is nearest to you... Hope that helps

Customer Relations is pretty snowed under by all accounts. I assume you mean stat interest and not contractual? Having started the MCOL action, you are now entitled to Judicial Interest plus costs. Write back using the rejection letter template, pointing out that full and final settlement now includes interest and costs.

No, I think I got it, cos now you're 75% of the way here? If not, then yes, or possibly no, if you know what I mean...and I'm not sure even I do. Or don't. Err...

Cornwall. I call it that because they can't tell the difference between a swede and a turnip and call one the other....

I was reading somewhere here about a claim for pre-six years using the sec32 defence to limitation. As I read it they managed to get the claim thrown out because our sec32 argument is based on the charges being unlawful, and that issue has never been ruled on, so they aren't technically unlawful, yet. I'm wondering if your argument of misrepresenting the charge as 'cost' when actually it's 'profit' is a better line of attack...and for us to be more reliant on the concealment aspect of sec32 before the unlawfulness, which hasn't been proven.

Hehe. 50% of that address is accurate so no matter where you live, you can only get half way here.

Nice one Paul, good news. What's your way ahead now?

Here is my Disclosure list as submitted today. Spoke to clerk about order that my solicitor is to arrange telephon case management conference. There was some confusion as to why this was ordered as I have never been represented, but I should expect an additional order for attendance. Also it is confirmed that the missing schedule pages aren't in the file, so they have been separated at Cobblers end.

Send this http://www.consumeractiongroup.co.uk/forum/bank-templates-library/37006-harassment-telephone-response-letter.html for starters.... Then I would post some questions in the DCA forum...where there are peeps that have much more experience in these matters http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/

This is the thread, claimant is in Scotland and is setting up a London address... http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/73131-english-addresses-scottish-claimers.html?highlight=carlisle

Letter looks good IMO, make it 'full amount plus Judicial interest' perhaps...just to make it clear that you haven't suddenly decided to go Contractual on them. Which you couldn't anyway.