No probs dude. I guess it's as far as they can string it out hoping that people will drop off at some point. No skin off their nose after all.

Cheque recieved today. Settled in full. Will be making a contribution. Many thanks guys.

Cheers C.

Cheers matey. Will sit and wait.

When does the AQ come through?

Well, the 1st dated charge I'm claiming is 11/1999. The last dated is 03/2006. Looks like I made a mistake and just used all the statements the bank sent to me, probably because I initiated the S.A.R - (Subject Access Request) in March 2006. Will this compromise my case or will the settlement, if offered, be adjusted accordingly?

I'm still waiting for A&L to submit a defence/pay out. Meanwhile, I've opened a parachute account with First Direct, which I'm going through the process of swapping accounts which takes effect on the 21th of Sept. My concern is that the MC claim was acknowledged on the 21st of August, will swapping my account on the 21st compromise my case in any way given I A&L have 28 days to defend or I submit for judgement if they default?

Need advice. So my MC is now issued as at today, the 18th. In the "Judgement" "Start" hyperlink section, it takes me to the Select type of Judgement "Do you wish to enter Judgment by Default or by Admission?" Do I have to do anything here at the moment? 2 options available to me: "The defendant has not filed an admission or defence to my claim 1:(Judgment by Default) You will need to decide, how and when you want the defendant to pay. You can ask for the Judgment to be paid by instalment or in one payment. The defendant admits that all the money is owed 2:(J

Go an buy a new bike Then get the beers in on VD

Just filed my MC today Just opened an account with First Direct as I've always wanted to bank with them! DD and SOs seem dead easy to sign over.

Nah, I'm just filling in mine at this moment and I'm sure I'll be dragged through the court. We'll be fine. I'm sure I saw that once you get your reference number you send the schedule in. Just about to hit the submit button and pay. Have you got that far?

Ok, so I'm filling in my MC statement. "Claimant has account *****708 with Defendant from 1990 conducted on their standard terms and conditions. Claimant is claiming the return of £1,062.50p taken by Defendant in charges over 6 years. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2.1.e. In the event that the charges are not a penalty

I'm sending mine off today too so this is useful. Just one point.. "also interest at the same rate up to the date of judgment or earlier payment at a daily rate of {enter the daily rate of interest}." Don't you have to amend that? Is there space on the Moneyclaim form to enter your scedule of charges you are claiming or do you just enter the total plus interest?

Question. I'm due to fill in my moneyfor claim today. apart from Bankfodders guide (nearly a template?) about filling one in, is there any other info on what happens? Do I get issued a case ref number when I complete it?

LBA gone. Is it 14 working days or 14 days? If the latter, I'm due to fill in the Moneyclaim this Thurs.