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the gorgeous one

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About the gorgeous one

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  1. Thanks for your responses, I put it all on here to serve as a reminder to anyone not yet at that stage and to make sure they don't cock uplike I did. I understand now itslikechanging the goalposts but at the time I didn't realise the MCOL and county court were connected.I do now. I didn't fill in an N1 form; would that have helped me alter my claim. Also I have seen other threads advising people to claim the 6 years first then to go back at a later date to claim beyond 6 years. Thanks all Jill
  2. I have been to court this morning. The bank didn't turn up, but I was asked in tosee the judge. She statedshe had received a letter from the Banks solicitors stating the claim had been settled and why was I there.I explained I didn't feel the claim had been fully settled. Anyway a lesson for all. I originally put in a claim to moneyclaim online for £1800 or there abouts, but when I found out it was going to the small claims court I had then got more information on claiming interest which bumpedupthe amount and I also decided to claim further back than the 6 years. This was my error. Following
  3. Hi, Thanks for all your responses.I have decidedto take a copy of the letter from [problem] and will also putin a note to say I would like the bank to say how they came about this amount which is £900.00 less than originally claimed.I am excitedbut very nervous, I will post my findings tomorrow when I have been. Thanks for all your help Jill
  4. Thanks for that, I have just contacted SC&M and they will get someone to locate my file and ring me back within the next 2 days although I don't imagine it will be over the weekend. I told them the case is due in court on Monday so they have made a note of this, but by mind they will have to have the money in the account by monday or we will still have to go to court. I wish i had rung them sooner. Can anyone feel the panic. Jill
  5. Thanks for finding my original thread, my question is still the same though, should I go to court or will I lose everything My court case is on Monday 16th July as a block booking. The claim I have actually put in is for £2964.43 for the period 1997 -2004. this amount includes interest charges and court costs. Because i was panicking I also put in a claim for £2285.84 for the years 1999-2004 as I wasn't sure if i could claim for longer than 6 years. Earlier on this week I noticed £2,015.30 in my account but received no letter until today. The letter states: We refer to the above ma
  6. I posted a thread a few days ago but now can't find it so apologise to anyone who responded. My court case is on Monday 16th July as a block booking. The claim I have actually put in is for £2964.43 for the period 1997 -2004. this amount includes interest charges and court costs. Because i was panicking I also put in a claim for £2285.84 for the years 1999-2004 as I wasn't sure if i could claim for longer than 6 years. Earlier on this week I noticed £2,015.30 in my account but received no letter until today. The letter states: We refer to the above matter (claim number etc) and co
  7. I placed a claim with Lloyds TSB which is due in Court on 16th July, next week. I claimed from years 97-2004 which came to £2964 including court costs . As I was worried the bank wouldn't pay out as it was over 6 years I was claiming I also added another sheet which went from years 1999-2004 at a total cost of £2285 including court costs. Yesterday I got a statement from the hole in the wall which said they had refunded £2015.30 the court case number was next to the refund. Initially I was really chuffed and still am. I was about to contact the court today to cancel the court case but didn't
  8. I am submitting my court bundle hopefully today in time for my court date on 16th July. When my husband went to the local branch they refused to give him the Terms and conditions. We opened the account some time in the 90s so haven't kept the originals. Am I OK to include the recet T&Cs with a letter explaining the circumstances. It is a crude letter but Please give me comments on improving it if required. 'Dear Sir, I enclose a copy of the most recent terms and conditions as this was all the bank were willing to give me. I have found the local Darwen to be particularly obstru
  9. I have received a notice of allocation to the small claims track (hearing) on the 16th July. It says it is a back to back system which means it has been block listed. I have collected most of the information that has been asked for in this thread. I do not have the terms and conditions and am unable to get them from the archive site, can I get them from elsewhere. We were with Lloyds for years. Secondly do I need to send in all the statements or will the ones with the charges on them be enough. I have them all, just thinking about the photocopying of them all. The expert witness part, is it en
  10. Really sorry to come onto your thread, I did the MCOL and Lloyds TSB have defended the claim so the claim was sent to my local county court and I filled in an allocation questionairre. Tomorrow the 14 days is up and I am frantically trying to find the OFT report on Bank charges. I printed off the court bundle but am unable to get the OFT summary that needs to be included. I have everything else ready to go except for this. Jody if you go to court don't leave everything till the last day and very good luck with your claim jill
  11. Probably, but next year we will have a bigger kitchen as I'm going to get a few more banks sorted out. Merry Christmas all and thanks for the help and advise
  12. Go to the FAQ section and there is a link to it, or you could type in moneyclaim online into google. Good luck with claim
  13. WE WON £2488.44 It appeared in our bank account during the day without a fanfare. thankyou so much, it was the full asking price and now I am going to donate my 5% asking price to this most excellent site. I also plan to go for LLoyds TSB and MBNA for my husband. Thanks for all your help, New kithchen extension may just happen now Jill & Layton
  14. Thanks, I feel prepared for battle now. I sent a copy of my charges to the bank and the court so will wait and see what happens. Thanks again
  15. Thanks, sorry for the repeated post above I thought I hadn't sent this thread so I apologise for the repeat
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