Hi zoot, also 2 x insurance fees and a court fee.

hi zoot, they have obviously applied the E.R.C. £3000.00 approx. they have applied the following DD rejection, Monthly arrears fee, admin fees, deeds fees, debt counsellors fees, deeds fees, legal fees to the total of another £3000.00 aaprox.

Hi folks, just preparing my Pre-lim for my charges and my E.R.C.s for Mortgages plc. could anyone give me guidance on what i can claim for with the charges and also any templates for sending both the letters to the charming people........ all help would be much appreciated............. thanks t.d.

Hi folks, anybody got the full address for kensington so i can send for my SAR. Cheers in advance T.D.

Hi Kriso. I would say you will accept the offer but only as a partial payment. I normally underline the wording regarding Partial Payment, it helps to let them understand that you are serious. Remember to send it Recorded or Special delivery, as they cannot come back and say its not been received. Cheers T.D.

Hi, i was offered the exact same deal. They owe me £904.00 but offered me £283.00 with the reduced £12 charge........what a cheek. LBA gone for the Full amount! Lets see what happens now. T.D.

Hi, i too had a second offer of £3067.00, first was £1000.00. Have accepted it as a partial payment and sent my letter back to T.Mclean. Tuesday is D-Day and i cant wait to register my claim online for £5199.00 Max (£5000.00). It equates to nearly £7000.00 with the interest of 8%. I,ll keep you posted..... T.D.

Hi, Firstly, are you claiming through the English small claims system? you mentioned the Moneyclaim (MCOL) which is the English Small Claims version. If you are not a resident in England you must have an English address for a base for any replies from the court. Second, the maximum is £5000.00 principle sum (the amount you are claiming for)in England. In Scotland it is either £750.00 Small Claims, or £1500.00 Summary Cause Claim. (both a £39.00 fee) When you register the claim, the % will be automatic when your claim is paid out. The fee is £120.00 paid up front online- debit or credit card, and will be paid back to you when your claim is finalised. I think i,ve kinda covered everything Hope this helps. Cheers T.D.

Hi Les, i had a Mortgage with mortgages plc (Glasgow), where was your mortgage held and where did you write to for your DAR? Up until June this year it's probably cost me about £500.00+ in admin charges and it cost me over £3k in ERC. Could you please give me advice on what letters you used from the start of your claim!? I have a feeling this is gonna be a fight with Mortgages PLC! Cheers in advance.. T.D.

Hiya folks! Must be a busy day for old Tommy boy........I received a cheeky wee letter offering me £1000.00!!! £4199.00 short i,m afraid.....Have drafted up the letter for acceptance of the £1000.00 as partial payment.here it is any suggestions of alterations? 'Dear Mr. McLean, Firstly, thank you for your prompt response to my letter dated 11/10/2006. (copy attached) I am in now in receipt of your letter dated 17/10/2006, received on 19/10/2006 and note its contents. With regard to your offer of £1000.00 I am prepared to accept this amount in partial payment of my claim of £5199.00. As I have now, no banking facilities with your organisation, I would appreciate if you would forward your offer of £1000.00 partial payment by cheque to my address as shown above. Please note, if it becomes necessary to proceed with legal proceedings for the balance then my claim at that time will include interest pursuant to statute and my court costs. I look forward to the remainder of the payment amount by return of post. Yours sincerely anybody any suggestions, does this read ok or does it need altered? Roll on the 24th and it's MCOL....+ interest........ Cheers T.D.

Hi Murmagic, If you are sending your LBA include the full principle sum of money that you are claiming for (£946.00). Include your spreadsheet but without the interest. Remember to state at the end of the LBA letter something on the lines of - "If you do not comply fully within 14 days then i shall begin a claim against you for the full amount as stated, plus interest, plus my costs and without further notice" (You will only get the interest back if you win the case in front of the sheriff, or if they default after 21 days when you register the claim at court so don't include the interest spreadsheet until you register the claim at court!) After the 14 days are up you would be better registering the claim through the Summary Cause route at the Sheriff Court. This costs the same £39.00, and is basically completed the same as the Small Claims paperwork. (check with the staff in your sheriff court, they are normally very helpful) Good luck, let me know how you get on....... Cheers T.D.

Hi Ian, The small claims pocedure is very simple up here in Scotland, and I dare say it is very similar in principle down in England. Have a trip down to your local court in the meantime and speak to the staff, they will give you advice on what details you need and what paperwork/ information you are required to submit. Just remember this - NONE OF THE ESTABLISHMENTS REALLY WANT TO GO TO COURT AND ARE PAYING OUT BEFORE IT ACTUALLY HAPPENS! Stick to your dates for LBA etc. Good Luck... T.D.

Hi ya! The principal sum (the amount of charges that you are claiming and not including the interest or costs!) are £750.00 for small claims and £1500.00 for summary cause. I,m led to beleive that he defender has 21 days to lodge a defence from when you lodge your claim at the court. Only if they don't defend within the 21 days, or lose after defending do you get the interest and the costs back! Hope this helps?? T.D.

Hi folks, "YIPPPEEE", recieved a cheque from Clydesdale Financial Services for half the charges! Unfortunately for them i had already registered 2 small claims on Thursday 12th October so i have sent the acceptance letter as part payment. Lets see what they do now........ Thank you to everybody on this forum, my life it now starting to change dramatically.......Donation will follow as soon as the Cheque has cleared. Thanks again....T.D. :D :D Here's to the next 3 claims and success....!

Thank you Warah, i am drafting up the LBA as we speak, i,m claiming just over £5k...... let the good times roll........ p.s. hope you are feeling better.. T.D. P.P.s. What template are you using for the LBA?

Morning folks, got a letter back from RBOS (Tommy McLean) Edinburgh. The usual letter- 'Thank you for you letter, blah blah blah, we believe our charges are blah, blah blah. Main content - We have considered the OFT's findings in relation to credit card fees. we are concerned that the OFT publicy called into question the setting of charges applied to other products, including current accounts. The OFT has restricted its findings to credit cards and made no attempt to consult with RBOS or the industry in relation to other, entirley different products. Consequently, against that background, we must differ with the vies expressed in your letter and will not be refunding any of the charges applied to your bank account. Again, thank you for taking the time and trouble to write.' Folks is this a normal fob off letter at the pre-lim stage, and does everybody get this? Please help..... Away to post LBA..........Cheers in advance T.D.

Well here goes folks! Clydesdale Finnacial Services Ltd have had all the time they are going to get. No letters or any reply from the Pre-lim or the LBA stage, so now it is COURT!! 2 claims totalling about £1100.00 plus 8% interest of about another £400.00. Tommorow i toddle off down to the court and lodge the claims. Must admit i,m a wee bit apprehensive but in for a penny in for a pound!! I,ll keep you all posted! T.D.:o

Hi folks, bit of help and advice needed please. Sent off 3 letters to the above at the start of October, have had no original signed agreements or deed of assignments back at all! Only a typed letter from 2 of them stating the debt has been bought from xxxxxxxxx, but no agreement or assignment! Got my credit report back from Experian and it shows that the 3 so called debts are satisfied/settled from the original creditors. The 3 as above are still trying to bully me into paying them back monies they say i am due them. Surley if they cannot produce any of the legal documents as above, and the debt is showing up as satisfied on the search they cannot still legally push for the debt that they say they bought? I have sent a letter to each of them stating the matter is in dispute and await their reply and documentation. If and when the 30 days passes, who do i write to at the OFT and FSA to complain about the non-compliance, and is there a part on the forum regarding this action? Thank you in advance! T.D.

Hiya, theyv'e got 3 days and then i go down to Perth Sheriff Court and lodge a small claim against them. I have had no letters at all from them, apart from the statements.....so now its war. I,ll keep you posted. T.D.

Hi, the debt is Clydesdale Financial Services in Glasgow. The letter states that 'we have sold your account to CQ' date 21/09/2006. It is not an original signed deed! It looks like CQ have contacted them after i sent my cca to them on the 18/09/06. This letter changes nothing and now they have defaulted under the 12 day rule. Roll on the 30 days mark..... T.D.

Hi Folks, sent my CCA request on the 18/09/2006 to CQ and got the standard fob off letter, your account will now be on hold for 28 days blah blah blah. (dont think so, 12 days has passed!).To date i have not recieved Original agreement or Deed, surprise surprise i hear you say. They require proof of any payments or correspondance that would assist them.....don't think so!. I also had a letter from the original loan company dated 21/09/2006 telling me that they have sold my account to Cap Quest. They must think i came down in the last shower! Can i now send a letter telling them that all payments will be suspended until the information is produced!? The actual debt shows up as Satisfied, and i,m a bit confused as to whether the debt is actually still live even after it is now unenforceable....! P.S. can i also claim back any money paid to them in the past? Any help appreciated. Thanks in advance T.D.

Can anyone tell me, if a debt shows up on the Equifax and Experian credit info sheet as Settled or Satisfied and has been sold on. Can the DRA legally place a Default on your file after they have bought it? Legally, if this debt is Settled or Satisfied can the DRA chase you for the full amount outstanding without Original Agreement or Assignment Documents? Have 3 ongoing at the moment and all info would be greatly appreciated. Thank you in advance T.D.

Hi folks, received my statements 2 days ago going back 6 years. What a shock i got when i tallied the charges up, over £5k!!! Have done the spreadsheet and enclosed it with the Pre-lim letter, lets see what they have to say about that! Worked out if they go to court they will have to pay a total of around just under £7k including the8% interest!! RBOS obviously dont want to help anybody who get into financial troubles, they just want to screw you into the ground and make the 'fatcats' even fatter..... Now it's payback, and time to let me get my life back on track!! P.S. would it be better going down the 'Summary Cause' route? any help appreciated. Regards T.D.

Quick question, got my statements back from RBOS, and i have £5229.00 in Charges lasting over a 6 year spell. I am up in Scotland and want to claim this through the English system! can i go back the full 6 years if i go the english route?? Too much money to lose out on and i need the advice of the best way to claim......i have a sister in england so i could use her address for a base..Any suggestions? Thanks T.D. :)

Hi, i got my statements back from RBOS to the tune of £5229 in charges over the last 6 years. Can i claim back the 6 years through the English system and how nuch does it cost? i have a sister who lives in England and i could use her address! Any help would help............thank you! T.D.