Did you use mcol if so remember to send them your S.O.C

try phoning 0800 282 390 and speak to an advisor

bet they are basically ..... you didnt supply enough proof .... they are not illegal .... its your fault .... they are not illegal ...... its your fault ... not illegal lol

Yes it is

Hope you sent it registerd/recorded delivery

http://www.consumeractiongroup.co.uk/forum/general/80091-your-court-dispensing-allocation.html Have a read there ... should be of some help

Try phoning 0800 282 390 speak to an advisor make sure they know that you will be taking them to court for non compliance if you dont get your statements

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html Thats the letter that you will need to send ... but you could try ringing 0800 282 390 speak to an advisor letting them know you will be putting a complaint into information commissioner let them know that you will take them to court if need be for the non complaince

just read you need to send an updated S.O.C to them Wait until you receive the Notice of Acknowledgement (not the Notice of Issue) from the court and then send a copy to the bank’s solicitors, since they are the ones who will now be dealing with your claim. Their name and address will be on page 2. Quote: Dear Sir, (Your Name) -v- (Bank) Claim No: ******** Date Issued: xx/xx/xx Please find enclosed a copy of my schedule of charges relating to the above claim. (If, and only if, you are claiming overdraft interest on your penalties, also include this paragraph) I understand you have a policy of initially rejecting claims for overdraft interest. However, should this be the case after you have reviewed my claim, you should be aware that my claim for overdraft interest has been meticulously calculated and double checked. It only ever relates to the cumulative charges within the overdrawn balance of the account at the point that the overdraft interest was debited If it is that in your view the interest is not claimable, I am prepared to discuss this with yourseves and the judge in court. Yours sincerely,

once you have filed your claim, you need to send 2 copies of your schedule of charges, clearly marked with your claim no. + a brief covering letter asking for them to be filed with your claim to: Quote: The Court Manager, Money Claim Online Northampton County Court 21-27 St. Katharine's Street Northampton NN1 2LH Dear Sir/Madam (Your Name) –v- (Bank) Claim No: ******** Date Issued: xx/xx/xx Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT). I respectfully request that the enclosed schedule should be attached to the particulars of my claim. Yours sincerely, Wait until you receive the Notice of Acknowledgement (not the Notice of Issue) from the court and then send a copy to the bank’s solicitors, since they are the ones who will now be dealing with your claim. Their name and address will be on page 2. Quote: Dear Sir, (Your Name) -v- (Bank) Claim No: ******** Date Issued: xx/xx/xx Please find enclosed a copy of my schedule of charges relating to the above claim. (If, and only if, you are claiming overdraft interest on your penalties, also include this paragraph) I understand you have a policy of initially rejecting claims for overdraft interest. However, should this be the case after you have reviewed my claim, you should be aware that my claim for overdraft interest has been meticulously calculated and double checked. It only ever relates to the cumulative charges within the overdrawn balance of the account at the point that the overdraft interest was debited If it is that in your view the interest is not claimable, I am prepared to discuss this with yourseves and the judge in court. Yours sincerely, Hope that helps

they now have 28 days from when the action was served ...... hope that helps

you can claim the unort o/d ... not sure about card misuse

They have 28 days from when the claim was served not from when they acknowledge

SAys make 3 copies and send them to the court

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html At the bottom it tells you what to do

Im not at that stage so cant comment sorry

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html Take a look here

Think its saying ... thats its our fault that we went overdrawn and even if the said charges and interest are unlawful and unenforcable (which of course they have denied) they have still suffered loss and damages. Accordingly, in the event thay the defendant is unable to rely on its express entitlement to enforce the charges as set out above, it will seek to recover to the extent necessary such loss and damage as charges, and the defendant seeks to set off such sums against any liability owed hereunder to the claimant Not too sure about this bit ...

Its much better if you start your own thread then you arnt hijacking someone elses thread .. its normal for B's to submit a defence

http://www.consumeractiongroup.co.uk/forum/barclays-bcard-woolwich-successes/11348-nightstar-barclays-nightstar.html?highlight=bailiffs read this thread ..... Nightstar was ready to send in the bailiffs .. a very good read ;-)

Have you contacted B's at all ? .... perhaps inform the court of the non payment

It sounds like part of barclays standard defence .... im sure they will settle in full just before the court date ..... but you might want to wait for someone with more experience to answer Hope that helps ... Saint

UNAUT O/D FEE UNPAIDS OUT PAID REFFERALS These are the ones to look for

I did caz

no they offered to tell me how much charges had been put on my account ...... not a list of them their word were 'You dont need your statements as we can work out how much is on the account'