The bittersweet feeling of joy at your success and envy at you getting urs first! Bar Stewards! Well good for you. Congrats mate.

Thanks Glenn, I shall think on it.

Check ur PM

Thanks Glenn, I've been reading the stuff you emailed me and trying to tie aspects of it in with Michael's work, in relation to my own case. Trouble is I'm not sure how or when I should be presenting it. Having submitted AQ with draft order for directions, would now be a good or bad time to respond to defence? Or should I await directions? The Defence pleads lack of particularity, and re-iterates in AQ that I haven't given them more info....but can they actually demand that 'the claimant is required [to do lot's of things]'? (as in the Defence.) I was hoping to go along Michael's line of denying any need to particularise further....my PoC is not dissimilar to his, so in a broad sense it is relevant. But when should I do this? That's the big question for me at the mo'

Thank you Michael. Yes I've been trying to do a lot of reading and trying to figure out how I can adapt your R2D, based on its reference to your PoC and how that differs from my own, which is more template-like. I'm also reading about this new idea of the bank's breach of contract stemming from our initial request for repayment, but not sure at all how or if this can be applied as backup at this stage. Needs more time in the hands (and heads) of wiser folk than me. Going to write back to SW and accept his generous offer as partial payment, but I'm under a lot of pressure to accept as Mrs Hydra still doesn't get what is going on (not entirely sure I do, sometimes, TBH) and if he gets it up above £7k it might be taken out of my hands. And to add to the stress, I have a powerboat course starting tonight until Sunday night so I'm not going to be able to get near the comp to do anything about it all. Quietly cakking mesel' too

Michael, I could use some input, if you have a moment. http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/28596-hydra-rbs-2.html#post588187 Cheers Phil

Well another slight twist today.... Received Cobbetts AQ copy. Only thing that bothers me..... To add to the confusion, Sandy Watt is still trying to negotiate. In the same post I received a letter off himself, increasing the offer to £5359.91. Interestingly there is this paragraph - MY ARSE. But this has me worried....input would be appreciated.

Amen to that one brother! lol

Be aware, the Royalties fee (was £8 then £10 now £12 I believe) always appears on your statement under the entry 'CHG TO A/C XXXXXXXX' on about the same day every month. If this CHG is more than those levels then there is an element of the CHG that is over-limit penalty which CAN be claimed. The 'INT TO A/C XXXXXXXX' contains BOTH your authorised-overdraft interest AND any interest accrued due to UNAUTHORISED (i.e. over-limit) borrowing - charged at around 29.8%. You can claim some of this back if it can be attributed to penalty charges.

Hehe....it's a double edged sword in there mate...on the one hand, all those successes, on the other, none of them are you.... Update. AQ submitted by hand this morning, including the template draft order for directions. According to court staff nothing from THEM yet.

Sandy Watt again....just ignore it mate. Or if your feeling polite you could reply pointing out that as proceedings had commenced he was a bit behind the times....Full settlement at his earliest convenience, sorta thing.

oops double post

Problem is that Cobblers aren't likely to have ordered themselves to do what OUR orders would have done.... You been at the pop again BF?

Err...no? - That'll be a No then. If you read that thread it's all in there, but broadly speaking, the current thinking is to attach some draft directions at the AQ stage, the first are for you to do EXACTLY what Cobblers have asked you to do, the second part is for them to reveal all the things they don't want to reveal.... BF, do you have any info for the OP?? I feel nervous in the presence of greatness :o

Hmm...did you attach directions to your AQ? This seems to be the directions as requested in the 'Draft Order for Directions' that we are using now... If you didn't request it, it seems Cobbetts are using the same tactic against us. Might pay you to alert a MOD. However, you will find a statement of truth here http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires.html#post482194 You will need to chose which letter is appropriate to the defence. In fact have a good read of the thread that post comes from and post a link to here, somebody in there will know how to approach this, especially if you didn't get orders in.... d) is the stuff in the basic bundle as far as I can see.

ur assuming THEY know why they they sent it...lol There's solutions to everything they've written in their defence. Don't let the legalese baffle you. What they are basically saying is they want you to do half their work for them. Couple of ways to attack this so don't worry, might have to do it off thread tho, just in case they have some office junior in here spying But there's gonna be lot's of reading....

Wee Beer? erm.... Good luck dude.

Subscribing - I have L.A. issues in my case

Pretty much same as mine, mate, 'cept I've got a paragraph about Limitation and Laches. Lot's of good stuff around to help as well! Let me know if I can help... Phil

Have they now produced your statements and anything else you wanted under S A R, but just late? If so I don't think you have a case for non-compliance....they are just messing you about a bit here I think, testing your resolve. Non-compliance cases are where they haven't produced what you were asking for within the 40 days, and is used to force them to hand it over. I should concentrate on your prelim letter and put it down to experience.

Oh, dramas, panic, nosediving confidence...the usual stuff. I've got 8 days to submit AQ. Nearly ready, but just looking at some new stuff thats developing, so may delay a day or so.

Just wondering whats going on with your case? Not seen you round for a while...

I wouldn't like to say one way or the others, however, personally, I would NOT accept £620 out of £1800, because they will in all likelyhood pay that £620 into the account. Go the course with them, recover your £1800 and let it be used to lessen your debt. No point in giving up the chance to pay off such a big chunk.

LOL! Yes, save the 'running in circles flapping the hands' for later, you'll need it.

Letters....always letters.