Well the normal post has now arrived, with a letter from Cobbetts. It sets out what they are paying back and what they are mnot, it actually makes sense so I'm going to accept this amount I think. There were a few charges on the statements which were vague and they have been explained. 'The letter does make me laugh though, ' Our Client considers that your challenge to its charges would fail in court. Our Client believes that its charges are fair, reasonable and transparent.......as such, our Client does not believe that your claim has any prospect of succeeding.' It goes on for another three pages, basically saying tghat it is a 'goodwill payment' and that it is on the understanding that I do not tell any third parties about it (Oops) and that they can charge me anything in the future (shame I don't have that account anymore) and if I don't accept they will close my accoutn (again I don't have thios account anymore) I half want to take them to court! I want to thank all on this forum for help, I have successfully claimed against three of the big banks and I couldn't have done it without all the help. Good luck all taking them on and don't give up it's worth it in the end!!

Thats what I wondered, I wasn't sure whether I should ring the number on the letter for the litigation dept or cobbetts. The full amount, before any interest is £3941.09, interest on overdraft is £1115.03 thats all before the 8% interest on top. It's quite reassuring though isn't it, they are willing to pay this much just to get out of going to court.

Good morning all, I've just been woken up by the post man holding a recorded letter from NatWest! it reads: 'Please find enclosed a cheque for £3132.37 in accordance with the terms and conditions agreed with Cobbetts. I would ask you to confirm to the court that the proceedings are to be discontinued....' Although I feel very triumphant, the amount is well short of the asking amount with no interest or court fees included. The biggest problem is that the court date is monday, HELP! I'm not happy just to take this as we haven't actually agreed anything with Cobblers!

well all done and sent off, and even better news, letter arrived on saturday morning from Barclays, they have paid up in full, so it's just Nat West to go now.

Fabulous!!! Advoc8 you are a marvel thank you so much for your help, I'll be sending these docs off first thing tomorrow. Thanks again

Thanks I'm doing this as we speak, I have checked my other claim and it is much clearer, Halifax have paid up so I can forget about them. Please help my calculations...I'm not really as thick as I seem honest, I'm just scared to get anything wrong!!! Plus interest pursuant to S.69 County Courts Act 1984 from date of issue to date of judgement/settlement at £xx.xx per day {(enter daily rate here - (CHARGES+OD interest)x 0.00022 = pence per day) }OR at such rate and for such periods as the court deems just. my Charges total 3941.09 and interest is 1115.03

Thanks so much for replies, its made me a little less panicked! My HAlifax claim has been settled in full, I am still awaiting an answer from Barclays, although I have had a few answer-phone messages from their litigation dept, but haven't heard from them for few days now. The Barclays claim is set to be heard in the same court at the same time and date as Natwest, so they are at the same stage. Here is what the letter from Cobbetts says : 'Pursuant to CPR Part 3.4 (2) (a), the Defendant would ask the Court to strike out the claim. The Claimant has not shown that he has reasonable grounds for bringing the claim and despite the Defendant requesting that the Claimant remedy the lack of particularity pleaded in the particulars of Claim within 14 days, the Claimant has failed to do so. The Defendant therefore respectfully requests that the claim be struck out. In the alternative, the Defendant would request the Court to order that unless the Claimant serves fully pleaded Particulars of Claim within 14 days of service of an order of the Court, the claim be struck out . Should the Court be minded to grant such an Unless Order, the Defendant would also request permission to amend, file and serve its defence within a period of 14 days of receipt of the Claimants Particulars of Claim and for the matter to be referred back to the District Judge for further directions once the amended Defence has been filed'

This is my POC, it is the same as I used for ny other two claims too. Re-claiming unfair bank charges imposed in the last six years. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from date when the money became owed to me to 3/11/06 of £ 3941.00 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of 8% If this is insufficient does that mean I will lose this claim?

I have a court date this month for cardiff, which I found odd because I am also taking on Barclays and I have been given exactly the same time and date . It is the small claims court as it is just under £5000. I don't recall ever having a Part 18 request. It has all been going on for so long I'm doubting myself, but I've followed the same steps for three banks, I won against Halifax, they paid up before it went to court, I've heard nothing from Barclays, but am getting these threatening letters from Cobbetts.

Cobbetts sent me a letter saying I have not produced evidence to prove that I hvae ' reasonable grounds for bringing the claim', Pursuant to CPR Part 3.4 (2) (a) what do I do? Shall I send another set of schedules to them and the courts?

I received a letter today from cobbets saying I have not 'shown reasonable grounds for bringing the claim' and that they will be asking the court to strike out the claim 'Puruant to CPR Part 3.4 (2) (a) What shall I do? Do I just send another set of schedules of charges to the court and Cobbetts? Please help Thanks for your time all

No I don't but I will start one now. I'm very grateful for all help, thanks

PLease guys I need some help, This morning I received a letter from cobbetts which reads:- ..........Pursuant to CPR part 3.4 (2) (a), the defendant would ask the court to strike out the claim. The Claimant has not shown that he has reasonable grounds for bringing the claim and despite the Defendant requesting that the Claimant remedy the lack of particularity pleaded in the particulars of Claim within 14 days, the Claimant has failed to do so. The Defendant therefore respectfully requests that the claim be struck out. In the alternative, the Defendant would request the Court to order that unless the Claimant serves fully pleaded Particulars of Claim within 14 days of service of an order of the Court, the claim be struck out. Should the Court be minded to grant such an Unless Order, the Defendant would also request permission to amend, file and serve its defence within a period of 14 days of receipt of The Claimants Particulars of Claim and for the matter to be referred back to the district Judge for further directions once the amended Defence has been filed.' HELP!? I don't even understand half of this letter, what's an 'Unless Order'? Have I done something wrong, are they threatening me with action? Sorry it's such a long message but am really panicking now...but then I suppose that was the reaction they were looking for!

Hi, I received two identicla letters today, and am very confused as both of them-Barclays and Natwest are to be heard at exactly the same time on exactly the same day, as is yours by the sound of it. When you find out what happens next will you please let me know, likewise if I shed some light I'll get straight back to you. Don't give up though, I just won my claim against Halifax, they caved in after they were served with on-line claim so I haven't got to this stage before. Good Luck SuJ

Done and done......am going to type up my acceptance letter now.

:lol:I can't believe it, I woke this morning to find a little envelope on my mat, inside I found a letter from Gillian Henshall, Customer Relations Manager of Halifax Bank it read.... " ......I have returned the form of Acknowledgement of service to the Northampton County Court indicating that Halifax intends to defend your claim. However, on a purely commercial basis, it wil cost Halifax money to defend your claim in terms of the legal costs that will be incurred. It is unlikely that Halifax will be able to recover these costs (even if the bank wins) because your claim will probably be allocated to the small claims track, in which costs are not generally awarded. For this reason, but without admission of liability, Halifax is willing to reimburse £813.00 in respect of the bank charges incurred, together with £127.00 in respect of appropriate interest that Halifax has calculated was charged on your account as a result of the charges. ....... The Halifax will also reimburse £120.00 in respect of the Court Fee. This amounts to £1060.00." They are not going to close my account, and I just have to confirm within 7 days that I accept this amount. Even though I had confidence, I didn't expect it to take so little time, I only filed for court on 6th of Jan!!! Keep going all who are taking them on, it's worth it in the end! Thank you all for your help, without this site I wouldn't of dreamt of taking on the banks and this is the first of three results (hope they all end as satisfactorily!)

Hi Charlotte, Well Done, I am at the stage where Barclays have just filed defence and I was beginning to give up hope, scared about the next stage, but reading your thread has helped. Thanks Su J

Hello anyone who may be reading, I have just checked my online claim and the bank have acknowledged my claim today, do I have to do anything at this point or do I sit tight and wait for something to happen?

Hi all, I think I may have made a big mistake, am very concerned....when you apply MCOL, what are you meant to do exactly please? I filled in application on line,and it shows that it has been issued and the 14 days will be up on monday 13th. what happens now???

I have just made my online claim!!!! so watch this space Jendoc, they didn't even offer me half, they offered me a measly £300, what an insult, I am raring to go now, tomorrow I will be making my claim against Natwest.... for a whopping £5050 and when Halifax decide whether or not to repay my £1000 they will be the next on my list. It's great having all this support form you guys I almost wish I had other companies to start on

I tried to contact my local branch by phone but couldn't get through, I then e-mailed the bank asking what 'commmision' was for.... what happened next made melaugh seriously, their answer was that they couldn't answer me via e-mail and when I then looked at my account on-line the charge had been changed to an 'Unpaid referral'!!!

I found my spreadsheets,Yay!!! I am about to go onto the claim site now, bring it on barclays!!!! Then Natwest and Halifax will feel the wrath.......

I really am losing it now!!!!!! I cannot access my google spreadsheets,can someone help. as it's been a couple of weeks since I last looked at them I cannot recall the details I entered into username and password, when I go to the library where I found them originally I cannot find the link. I must seem really dull... but can someone please help. I have had even more charges applied to my account and untill I can claim my money back I am never going to get out of this rutt, the costs are snowballing

Thank you somuch everyone for your qadvice, I am re-invigourated now!!!! Barclays have taken another £125 out this weeek for 'unpaids' and just for a change 'commision' whjatever that is....I am right in adding these to my claim aren't I???

Just about, I have received the 'no you can't have your money back' from two of them, and Halifax are 'looking into my complaint'. What do I do now? Do I approach the courts? If so how? I have been really calm and determined til now, and I'm beginning to flag a bit. Thanks for taking the time to answer me by the way