sorry:-| Thanks, although it only paid the blood credit card off;)

After many offers they took it right to the wire and paid up.

Cheers L

Has anyone else had a discrepancy flagged up? does it mean the whole thing is screwed?

Cheers guys, There did actually spot a problem with one of the entries (I hope they don’t hold that against me) I have agreed to that but am holding out for the 6+ charges. The judge has requested an AQ off them by 14th May.

bump

Any one got any info on the 6 year max?

They have replied with the discrepancies and they are the charges 6+ years. The date they have decided my claim was from is feb 01 not nov 2000 as i calculated from? my Request for repayment of charges was - 13 December 2006. is the 6 year thing still valid? I have had a court letter givin them til the 14th to file the AQ or its struck out.

Any news Nik?

Still waiting for the order Nik yeah, scandalous really considering 7 April was the AQ date! I agree Pete about the discrepancies proof hence my text of 'I would be grateful if you could elaborate on these discrepancies.' Odd statement for them to make I thought as if anyone accuses you your obviously gunna say prove it! Cheers for the replies fellow money lovers!

Cheers Nik, looks like were in a similar position eh! Problem shared is a problem halved! I expect the judge to issue a 'or else' next and I will be sending the above letter tommorow. Best of luck !

Cheers:)

Havent posted the letter yet so any comments would be great:)

Dear Sir, Thank you for your letter dated 30/04/07. I respectfully decline your offer of £1,758.62 as settlement of my claim. My claim is for £2046.16 as outlined in my Particulars of Claim, plus court costs of £220, and this claim will continue until payment is made in full. This figure includes interest claimed at the annual rate of 8% pursuant to Section 69 of the County Court Act 1984. Regarding your six years statement and the commencement of my claim my initial timescales are set out below:- Request for repayment of charges - 13 December 2006 Response To Settlement Offer/ Letter Before Action - 17 January 2007 Claim Period – 20 February 2001 – 30 September 2005 You also state that there are some discrepancies in my schedule against the charges passed to my account, you should be aware that my claim for charges has been meticulously calculated and double checked. I would be grateful if you could elaborate on these discrepancies. I’m sorry you are at a loss to understand my claim for overdraft interest; the claim is actually for interest on the penalty. had the penalties not been charged then the balance would be less overdrawn or even not at all, giving rise to a lower interest charge or none at all. I have enclosed a copy of my schedule of charges to assist you. Alternatively, should you wish to settle my claim in full, then please forward the balance of the claim (£2246) without further conditions and I will inform the court that the claim is settled. I trust this clarifies my position.

Cheers Fella. Do you think the "discrepancies" is a scare tactic? 'Your shecdule has been checked against the charges actually passed to your account which has revealed some discrepancies.' This seems odd as the only charges I would have entered on my spreadsheet are the ones that were stated on my statements. Maybe that again refers back to the 6+ theory? Anyoo I shall reject the offer...again.....

help purleeeeeease should i knock the offer back and hold out?

:idea: Is this letter received today standard? They wrote that the period claimed for was in ecess od six years prior to the commencement of the claim. (20/02/01 - 30/09/05). "our client will not entertain a claim in resprct of such charges as they are limited by the provisions of the limitations act 1980". then they go on to say there are at a loss about the 8% int and can i confirm the basis of the claim with supporting case law. They recon they are discrepanicies in the schedule also. ARE THEY TRYIN IT ON?

*NEWS FLASH* Just had a letter from DG delivered offering £1758. Total I requested is £2045 (this includes the 8% interest) + 100 MCOL + 120 Court Costs = £2265 I'll reply and accept as a part payment. I sent a nudging email this morning.

AQ submission date was 07 April 07. I have rang the court this morning as I have heard nothing so far. Supposedly the judge reviewed the paperwork on the 18th and had passed this onto the 'district' judge? The clerk says the next stage is either an 'unless order' or the judge will strike this out. I have sent a nudging letter and left a phone message which wasnt replied to. Im gunna drop an email to Rachel now. If its struck out do I still get all the cash?, just with your comment crusher of "paperwork is preferable to you trying to get a default win". Cheers!

Courts have not received DG's AQ (11 days late) I explained that they had missed the deadline but as the judge was busy they have not looked into the case yet. Phoned DG and let a message for our Rach explaining their AQ was late, no phone back as yet:-?

cheers. If DG havent filed is it worth a tinkle to our stalling friends:|

Just to keep up to date I filed just before the deadline and now its 10 days later and my cheque for a £100 was cashed yesterday. I have nothing through as yet so may ring the court tommorow to find out if DG filed their AQ.

Sir Yes Sir:) Deadline= April 7th mate.

Arrgh section G looks a bit conusing?

cheers Net:-)