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lynnette10

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About lynnette10

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  1. Hi I am trying to reclaim my cousins bank charges (i have already done mine with another bank) but I dont understand there charges. They have sent her all the statements and a second letter with a list of charges on it. They are: O/Draft Excess Fee Account Charge O/Draft Interest What of these charges can she claim back, its only the O/Draft Excess Fee or is this list all the charges that she can claim back. Many Thanks in advance.
  2. I posted a question in the forum last week regarding my court case: Question: I have got my court date for 13 March 2007 at the local county court in Reading, the claim is for £2490.00 plus the interest at 8%, do you think I should carry on with my claim as I have gone this far. I am not claiming any late payment fee etc. Answer: You've already paid your court fee and allocation fee. There is no trial fee for small claims. Although the further costs you could incur would be for your bundle. Your options are: 1. Withdraw now. - You lose your court fees and a/q fees
  3. Yes the court paper says the case and allocation questionnaires filed have been allocated to the small claims track on 13 March 2007 at 11.30 in Reading County Court, it states the case should take no longer than 1hour 30 mins.
  4. I have got my court date for 13 March 2007 at the local county court in Reading, the claim is for £2490.00 plus the interest at 8%, do you think I should carry on with my claim as I have gone this far. I am not claiming any late payment fee etc. Any help would be great. Thanks Lynnette
  5. thanks very much for that. Lynnette
  6. Hi I have issued my N1 and Allocation Questionaire and have a court date in March, I have been looking for a letter to approach the Halifax before going to court but I have been unsuccessful, does any one have a copy of a letter that they used or let me know what template to use. Many Thanks Lynnette
  7. sORRY TO BE A REAL PAIN BUT I'M REALLY NOT SURE WHAT TO WRITE TO HALIFAX RE MY CLAIM. COULD ANYONE HELP. I NEED SOME WORDING. THANKS IN ADVANCE
  8. sorry to be a pain but is there anyone who can help. Lynnette
  9. Hi i have been trying to compose a letter to Halifax regarding refunding my ERF but I'm not sure what to write. Is there anyone who has written to their mortgage company after the AQ has been submitted and a court date been set. Any help would be gratefully appriciated. Lynnette
  10. Hi my nephew wants to reclaim his bank charges but most of his charges are made up of interest as the account has been closed and he hasn't been able to pay back the amount he owes. It also has snowballed so far that he is drowning as monthly interest keeps being added. I cant understand the interest spreadsheet or even get into it. Could someone help to explain it to me in idiot proof dialogue. Many Thanks Lynnette
  11. Thanks for that I will contact the court office tomorrow and see whats going on. Lynnette
  12. Thanks for your reply Zootscoot. I have a Notice of Allocation to the Small Claims Track (Hearing). It also states that each aprty shall deliver to every other party and to the court office copies of all documents (including any experts' report) on which he intends to rely at the hearing no later than 14 days before the hearing. Does that mean I have to send the court bundle? Again thanks for your help. Lynnette
  13. Hi I haven't posted for a while but thought I would update on my process. I completed my N1 a while ago and Halifax are defending the claim. I completed the AQ on 28 December and I have received a court date for the 5 March 2007. Not sure what I do now. Do I sit and wait for the date or should i contact Halifax and try to get them to pay up before going to court. Really nervous of the prospect of going to court. But nothing ventured, nothing gained. Any comments would be helpful. Thanks Lynnette
  14. Hi I am helping my sister claim her bank charges. We have gone through MCOL and barclays submitted a defence on the 23/11/06, as yet she has not received anything from the court. Is this normal or should I contact the court and see whats going on. When I did my claim it was with Halifax and as soon as the court papers were served they paid up. Barclays seem to be a bit more difficult. I hope I haven't left it to late. Any help would be great. Lynnette
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