just a theory, but do you think ,if (as I did), 1 person makes a claim on a joint account, then the other person could then make a claim, this would surely negate any claim spitting as each person is claiming what they feel is owed, this might be useful for people who are claiming on joint accounts, I know that when I claimed I only put my own name on the paperwork.

Again, just a theory.!!!!!!!!!!!!!! any legal eagle advice would be welcome!

sorry big mac, wasn't very clear, last claim was summary cause and they settled before prelim hearing, this time(2nd claim) prelim is on 14/03/07 and full hearing 21/03/07 and not a word from them, started panicking after reading your case with CB and considered dropping this (2nd) case and just going McColl if that would help me, cos I still have £5000 to go!!!!!!!!! any advice would be welcome as you guys got me this far.........

do you think claiming in england with second and subsequent claims will work? after succesfully claiming in scotland? no cheque's, no conditions, just settlement lodged in account!!!!!!!!

thank you Caro, will have to hold my nerve a little longer I think, if as I suspect, the other banks grab on to this as a way of getting our claims thrown out, would it still be feasible to claim using the McColl or would the same precedent work for them with that claim in england?:confused:

bump??????????????

hi, panicking now as i have a prelim date of 14/03/07 and court date of 21/03/07 this is my second summary cause with bos, first 1 paid into my account before prelim,wondering if I should bin this claim and go through McColl now as i have around £5000 left to claim, does the CB ruling prevent me from claiming in 2 jurisdictions? or would that help? anyone know what would be my best course of action? too much of my money to walk away from, but having made 1 claim already am scared to get this wrong! any help would be appreciated............

hi, i called bos today regarding statements and insisted they send them via internal mail to my branch, she went 1 better and faxed all 144 pages to my branch there and then, tying up their fax machine for over an hour, hee hee:lol::lol::lol:

can i just say thanks to TONYAND JULIE for responding to my query so quickly and for the help:):):)

since I have had no replies, does this mean i am in the wrong forum????????

anyone???????????

hi, i recieved a letter today from BLS offering to reduce a debt i have with Lloyds tsb from £9,293.57 to £5,576.14 if i can settle in the next ten days or reduce the bablance over a short period of time, at present i pay via cccs at what I can afford, does anyone think it would be worth trying to beg/borrow this money????? do you think they would accept a lesser sum?????it just seems too good an opportunity to miss saving £3717.43, although i dont have this kind of cash lying about, any advice would be welcomed

sorry new to this site, i realise i am in the wrong forum for this kind of question, not entirely sure where it should go???????

Hi can anyone help, I have an outstanding debt with Lloyds tsb for £9,293.57 at present i pay them via cccs, I recieved a letter today from BLS collections offering to reduce this debt to £5,576.14 but i have to "make full payment or realistic payments in affordable installments", i thought that was what i was doing!!!!!!! is it worth me taking out a loan(if i could get 1) or borrowing from friends/familly??????? do you think they would accept an offer of much less???? any advice would be welcomed

thanks