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  1. Got cheque today for the full ammount, YES. RESULT. I cant belive just how fast this has gone through, thanks to all on here for the fantastic help i recived. Now for the credit cards.
  2. Well sent my acceptance of there offer on the 31st, not heard a thing back?? how long does this normally take or could they change there mind? Banks eh
  3. Hi thanks for your reply so fast, its my second offer, and its the full amount i was goin for didnt go for intrest as it would have gone over the 5 thousand mark so they are giving me just what i did ask for and im happy with that, they have offerd £4850 i was going for + £120 costs + £100 i payed for AQ. so i just send and sign the letter and keep hold of the other part till they pay me? once moneys recived send that part to them, il let them know in a letter. thanks for your help.
  4. Result! Recived a letter today offering full amount as full and final settlement, in all the circumstances the bank belives this to be a fair offer, if you wish to accept please sign and return the enclosed duplicate of this letter, and notice of discontinuance which the bank will hold as undelivered until payment of the settlement sum has been made to you. Thereafter the bank will lodge the notice with the court. Just a bit in there for u to read, now i have followed every step and i cant belive just how fast they have responded, is there some kind of snag they are ready to throw at me? or do i sign the forms they have sent me and just wait? do i have to send anything to my local court as i did the AQ only last week. It all looks to good to be true.
  5. Thanks, do i just send the 1 to the bank? or do i have to send 1 to the courts, or is it to early for that yet.
  6. Got a offer from the bank today for half the ammount im claiming for, tempting but no thanks, took my AQ down to the county court and now just waiting for a date, should i now send a letter to the bank telling them thanks but no thanks i will see u in court?
  7. Recived my allocation questionnaire today, looks streight forward, tried to find a post on filling it in, just want to make sure i do it correctly could any 1 direct me, thanks nick.
  8. Recived a letter from the banks legal services today, they have put a defence in which as been sent to the norhampton county court, its just a run down of how fair it is to charge me and so forth, i take it that it is a standard letter they send out. What should i expect now from them? i would put it all down but it is pages long of dribble.
  9. Got a letter from the bank saying I refer to your letter of 9th november 2006 regarding your claim for the reimbursement of the fees applied to you accounts over the last six years which you consider unlawful. The banks position remains as outlined in our letter of 3rd nov 2006. i am also aware that you have already lodged particulars of claim with your local county court which takes precedence over the banks complaint process. Any further correspondence will originate from the banks legal department. If you are unhappy with the way in whitch your complaint has been handled or the outcome you may now refer the complaint to the financial ombudsman within six months from the date of our final responce letter to you. I also got my letter from the mcol northampton county court saying the defendant has now 28 days to form a defence, and i have Acknowledgment of service attached, they are defending all of the claim. just a few things i need to ask, can i change from northampton to my home address? and what happens now, will i need to fill anything else in or do i just wait now? thanks nick.
  10. Well got mcol through and they have till 30th dec to reply to it. Just a question, the charges are still piling on to my account like i was the last banker on earth, just trying to keep my head above water is tough enough, i feel like ducking the branch managers head under water see how he likes it! once my original claim has been sorted can i claim for this last load i have or once my claim is sorted is that it? i would like every single penny back.
  11. Are u sure thats ok i dont want to mess things up for myself, thanks nick.
  12. Doing my money claim on line, if i calculate and add intrest to my claim its going to top £5000 mark so decided to leave it out, i hope this isnt a problem, in my particulars of claim i have modified it to 1. The Claimant has an account ********with the Defendant, opened 1990. 2. Since 19/09/00 the Defendant debited charges and interest in respect of purported breaches of contract. 3. Defendant is aware of all details as a list of charges has already been supplied. Another copy will be sent. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. 5. Claimant claims: (a) return of the amounts debited of £4823; 6 Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982. 7. Costs allowed by the Court. i hope this is ok, please let me know thanks.
  13. Hi, getting ready for mcol, do i carry on and put my local branch down as i have been sending my letters there? or should it be addressed to head office in leeds?
  14. Well time is up, sent LBA on the 9th and today its the 23rd,just recived a standard letter saying that they would look in to it, not good enough, should i give them till monday and then go on to the next stage?
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