oh thankies westy and deller, i was in such a tiswaz i didnt even think to go looking for the bundle which i knew existed and had bookmarked for when i needed it. i really really really hope i do get a better offer form them soon

well i hope everyone had a nice christmas and new year. i never did send cobbetts another letter, the other day i got a copy of their aq from them. today ive had a date from the court. the 1st of feb. i have until the 18th of jan to send in whatever i might use in court. i seriously need encoutagement here folks, i dont know if i can do this now :S

now theyre trying to say i never replied to their offer lol im going to reply to this letter int he same vein they sent their latest letter to me, dear sirs, in response to your letter dated xx i draw your attention to the letter recieved by you on xx a copy of which is enclosed for your convienence.

cobbetts are the solictors acting for NatWest paul. (and no question is stupid unless its clearly to be found answered in the faq )

hehe time to learn patience

ok reply accepting offer only as part settlement has been sent recorded delivery and alocation questionaire has bee handed in to the court well ahead of deadline. back to the waiting game now for me.

thank you soo much westy that sounds much better

ok folks id really appreiate some help wiht the wording and grammar here, or tell em what to delete lol perhaps im being silly trying to reply to their offer letter pointing out that i cant claim prior to 30th oct 2000 and that they think my claim will fail. here is a draft of my reply to them anyway.....i plan to send it tomorrow as i wont be able to get to the post office before their 7 day dealine otherwise. Dear Sir Thank you for your letters dated 29th and 30th November. I acknowledge receipt of the defendants defence. I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, now totalling £4225.31. I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder by continuing with my county court claim. With reference to the Limitation Act 1980 and your allegation that I cannot bring a claim more than 6 years prior to the date my claim I was filed with the court I would like to draw to your attention that I was unaware that the bank had been concealing the nature of their charges prior to the oft report in April of this year and therefore it is my belief that the statute of limitations allows me six years form April 2006 to bring a claim. I believe that your client’s charges are not fair or reasonable, and are not a true representation of the actual costs to your client thus being punitive in nature. Therefore I have every confidence that my claim has every prospect of succeeding in court. I trust this clarifies my position. Yours faithfully

thanks westy i shall see what i come up wiht tomorrow 9or hunt down the templates) and wait for the aq to come through.

typical of them lol thatnks for the reassurance deller, its good to know its a standard tactic

thakies deller, ill expect it over the weekend then or monday i guess todays post has just brought an interesting surprise. an offer form cobbets for £1650, which i shall be accepting only as partial settlement sinc emy claim is creeping up towars the £5000 mark as interest builds. they point out that one of my charges is prior to the 6 year mark, which is true as the first one was may 2000 and i didnt send my prelim until sept this year. however they are trying to say that nothing before the 30th oct, the date court case was filed counts, i shall point out to them that that is wrong as i believe it is. the rest is the usual the charges are fair etc etc. and i wont win at court and a 7 day deadline for acceptance of their offer in f&f and no disclosure. so guess th eletter i draft this weekend will eb an acknowledgement of both their defence and their letter and acceptanc eonly as partial settlement. im quite relieved to have recieved an offer finaly, i was getting worried they were going to make me be the test case lol

thanks deller i think i will dradt up a qucik reply to cobbets simply saying i have recieved their defense ver the weekend. any idea how long i should expect to wait befor recieveing the aq?

yep deller same old story, while ive been away this week i recieved a copy of their defence....same old my poc werent detaled enuff yada yada and requesting the court to have a case management conference in order to give me a chance to properly particularise my claim. now to work out what to do next nd how to acknowledge to cobblers that i have recieved their defence.

aww shucks they filed a defence, so i got my judgement request returned, they still only have one week more though.

well, request for judgement is being mailed to the court today. i have heard nothing since claim went in.

good luck tomorrow jonni

file an n1 claim form wiht county court is the next step (check the faq for guidance notes)

Dayglo, cheack out mindzai and lucid thread in the loyds section, they posted their poc for contractual interest which i pretty much copied. mine are in my thread in natwest section too.

i waited, but more because it suited me to wait, i think it might even have been more than 14 days when i filed. i do think though that you said they had 14 days, so even though they replied they still might change their minds within that 14 days, might be best to wait.

yeh i rang and asked what it was for, she told me and i thne asked would there also therefore be another charge at the end of next month, a referral charge that they charged for the privilidge of having charged me once already. she didnt like that and got all snotty that their charges are not just for the privilidge and are in their banking code. naturally when i asked for it to be refunded she said no she couldnt do that, i didnt push it. i guess what i will do is let this one get a bit further on/finished then start all over again for the new charges maybe, hopefully though this one will be the only one. and thanks

i simply put claim against the bank for unlawful and unfair charges applied to my account....or something similar. it got accepted no problem.

anyone know if i can add another charge onto my schedule of chearges at this stage? they have until aprox. 14th nov to reply to the court and sods have added another charge to my account a couple days ago.

is it possible i can get capital one to cough up my statemets/list of chrages/defaults when i nolonger have my account number, a very veyr rough estimate of when i opened the account and a rought uess at when it was paid of and closed? or would i be wasting my time trying? likewise with hsbc? also i requeste dmy credit report fomr experian and from equifax. the equifax one came and i can make no head nor tail of it. it looks nothing like the sample on on the equifax website, presumably because i neglected to pay them £15 quid to see the fancy one. can anyone recomend somewhere, or point me to the thread here i am missing, that might explain it to me? please and tia for any advice or help.

well clai was filed this morning so they have14 days form weds to reply. my local court has had a lot of these claims apparently. waiting game now, but while im waiting im going to try and make sense of my credit report and a judgement that shows up wiht no details at all, i knwo its one that i paid as soon as i could, which was just after they had filed a ccj, at least i assume itt is that one, but it doesnt even have the name of who it came form, never mind that it was paid up on my credit report. im hopeing that equerians report will make more sense

thanks, sh eis getting intouch wiht the stores head office today, so *fingers crossed* they will give her the refund she wants.