As far as I remember. When you fill out the MCOL or the N1 there is a section in which you specify how/where for them to pay when you win, ie all on your terms. So it shouldn't be a problem. However, if you are settling before court you are effectively on their terms and they can pretty much put in any clauses they like because you will agree in order to get the money! It's just one of these big decisions - which way do you go? Only you can decide. Good luck A D

If you use Skype - the internet based phone service - you CAN record all calls! Just thought I'd throw that little gem out in case anyone needs it! A D

Ring this lady Kelly Duffy Senior Customer Relations Manager Executive Office Customer Relations Direct Dial 01422 326326 Fax 01422 326688 [email protected] No promises, don't mention me (I'm not her favourite because I give everyone her details!) However, I've found her to be very professional and efficient. Hope that helps - I hate seeing a post with 0 replies!! A D

You're on stony ground with e-mail. You know it was delivered by the receipt you were sent. Now, how do you prove it was delivered? If you send all your letters by recorded delivery, Royal Mails website has a track and trace option. From there you can see when/where/what time your letter was delivered. You can print that out and add it to your file. Why would a huge organisation falsify their records to help your claim? If the bank want to claim they didn't receive it or it took weeks in their internal mail - TOUGH! Obviously you need a pro active response for the SAR but after that if you know they received it on eg the 10th your next letter is, as it says in the letters, sent two weeks later, the 24th. This is regardless of whether they have acknowledged, responded, made an offer, whatever. They didn't ask you when it would be convenient to take out charges. We don't ask when it's convenient to take them to court! A D

You should have all your info by 22/2, if not a couple of days before try contacting this lady. Don't mention me I'm not her favourite customer! Kelly Duffy Senior Customer Relations Manager Executive Office Customer Relations Direct Dial 01422 326326 Fax 01422 326688 [email protected]

I don't know! I had it too. Just make sure you claim it all and they will give it back to you with interest - on the interest! A D

For a bit of fun whils you're waiting you can download the interest spreadsheets and type in the info you have and smile about the interest you will be claiming later!! Keep posting, if you have any queries just shout. good luck A D

Not trying to worry you but I've read loads of threads on here about banks cancelling overdrafts and closing accounts at short notice. Thus the reason for a parachute account. It does seem though that they let your first claim 'slide' and are more likely to close if you claim again. This is line with one of the letters you get later in your claim. A D

I agree with all above. However remember to allow 2 days for postage. A trivial point but it makes you look reasonable in the eyes of the law and gives them one less chance for an excuse! A D

Try this person, but don't tell her it was me I don't think she likes me anymore! Kelly Duffy Senior Customer Relations Manager Executive Office Customer Relations Direct Dial 01422 326326 Fax 01422 326688 [email protected]

I did the same thing and I got £3000! Stick in there. A D

You have a choice. I would reply saying thanks very much put it in my account and Oh by the way I'm still going for the rest! there are templates in the library to do that. I think. (My opinion only!!!) That letters have crossed in the post. They are responding to previous mail. They just don't work that fast! There would be nothing wrong in replying saying you'll accept/pursue the rest. Make sure you quote the date of the letter you're replying to! Do not mention that you have filed. On the 8th of Feb when you get it all back you can buy me a pint! A D

Everyone gets that rtesponse and some people get a response too! No wonder I'm rubbish on the guitar! Go for it! A D

Sorree wozn't taking puss juss feeshing and talking carp. Coming Meester Fawltee Manuel

No probs, that's what we're here for, and I told you it was the simple version. Because I don't understand the proper one!!!

I can't help you legally but the law is designed for a 'reasonable person'. I think it's reasonable to assume that the second 8 is dealing with the same percentage. If they are going to be reasonable enough to discount the misspelling of judgement they can't argue! A D

Hi all on this thread, My 2p worth! As far as I'm aware, this can be the crux of the whole matter (simplistically, there are other things!) The banks charge £30 for an automatically generated letter. We all know this costs them 10p. So how is the other £29.90 justified? Well, they could say they had to pay their staff wages to deal with it. (Manual intervention). Common sense says that's rubbish, and the law is basically what is reasonable to a reasonable man. So far the banks don't defend because they cannot justify the £29.90 for the 'manual intervention' for the computer generated letter that was sent! Therefore it's profiteering and unlawful and unfair. Told you this was the simple version!! If you read some of Bankfodder and other old lags threads you'll see how complicated it can be. However for us peasants, we crack on with the process in the library and we usually win! If we don't - there's now 100,000 people on this site to fund our appeal!!!! Hope that's helped! A D

Hi, You should really stick to the one thread then it's easier for us to look back at the history. However, You are on YOUR timescale not theirs, I would now file (MCOL is so easy). As for your success. As far as I'm aware NO BANK has gone to court to defend! They'll string you along and try to frighten you. At some point you will make a post which says "I think I'm going to be the test case!". But I really do believe that shortly after that you'll post WON WON WON***. Up to you but it seems you're straight down the middle like I was, and they paid me (more to come too!) There's plenty help in the library to fill out both the MCOL and the hard copy N1. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html If you need anything else just shout. A D

Hi! You seem to be in quite a state! Looking through the post I am replying to and the previous posts you have made you seem to have no regard for the 'due process'. By that I mean- If you sent your SAR on 1st Sep then your reply was due by 10/10. (It's the same dates I used and my birthday is 10/10!!) ~Having had no response you had two choices:- A. Go to court immediately for disclosure of information under the DPA Act 19........ B. Ring certain depatments up and say "Oy, where's my statements?" (Not your branch there are plenty of numbers around) I assume by your posts that you don't read too many other peoples threads/posts because it is plain to see that you haven't been anywhere near the library or just will not take advice. (ie Why are you talking to them on the phone? All advice will advise you not to!) So! I may sound a bit harsh, BUT, I started on Sep 1st and they paid me over £3k on Nov 30th!! Maybe I have a point about due process? If you would like to follow the rules, I'll help you. If you want to be a maverick, I'll watch with interest. If you are going to do your own thing - don't waste my time! A D

Seasidelady said it in a nutshell! A D

Go girl! We're all here for you!! A D

Do it, do it, do it, do it! If you have any probs then PM me (private message - it's like an email!) I'll help you, it's not difficult - just nerve wracking!! But WTF lots of us have been there and won and there is no reason why you can't join us!! A D

I was led to believe that too! I think it's an urban myth. My last six months was £100 and they offered me 500ish. My mate along the road had 400 and was offered 2.5k!! I've talked to other people on the site about this and it makes no sense! As long as they pay up - who cares? (Me actually! Wish I could make sense of it!) It's twistin' my melon man! A D

Thanks, I understand. I'm trying to apply some king of logic, mathematical equation etc to what they offer compared to what is claimed. If it wasn't Steven Hawkins birthday today I'd give him a ring, he might know!! A D

If you turned down 1.6k, how much are you claiming? Signed, A very nosey Aaronsdad!