:)

I suppose the title says it all really.Infact there was no need to go to court,I lodged the N1 Form with court last friday and had a letter today offering full settlement plus interest.Donation to site when cheque arrives.

Ps.Thanks to everyone who took the time and trouble to answer my questions:D :D

top corner,back of the net.

Nice one Loeby.

Same thing happened to me.

Ok heres the deal. Asked for S.A.R.S it took 53 days to turn up and when it did there was an offer of 700.00 to settle! No pre-lim letter sent,no lba sent...........Now thats service for you.

However they owe me the best part of 2k..............now thats sneaky for you!................lol.

So if someone is not doing there job they get fined,is this instead of vebal and writen warnings?I cant help feeling this is a crock of sh*t and one more reason why my blood presure aint what it used to be.

I can not work out for the life of me how companys are allowed to go near somebodys pay packet. The things i have found out while being on this site have amazed me.Do the laws come from the same era as sending kids up chimneys,women not having the vote and people shooting tigers for a larf.

Well done Battleaxe,ive been keeping a close eye on your progress,you deserve your victory.

Hi Phatram.So these are interest charges then?

BILLED DEFERRED FIN CHARGE .22

BILLED FINANCE CHARGES 29.57

BILLED FINANCE CHARGES 68.70.

Ive had my statments back from Marbles but i have nothing like these on them.

Never mind mate,keep plugging away,at least Derby co are showing a bit of form at last.

Hi,no not yet i work away a lot so only have odd days where im home,but i will by thursday.

I think your doing the right thing Battleaxe.Everything in writing,then you know where you stand.Keep up the good work,not long now.

Heres a twist to the saga

I recieved an offer this morning to settle,this is interesting.

Ive not recieved any statments to my sars request.

ive not even sent a pre-lim letter

my name and address is on the offer

The account no is wrong. W T H is going on?.

Still nothing from A and L. Is it ok for me to go staight to LBA now?.Ive got a reasonable idea of charges.and i could allways amend the total when the sars show up.In the meantime i could pen a few complaining letters off.

I did send the request via recorded delivery but the royal mail shows the letter as leaving the sorting office for A and L but no signiture.

Sorry bud,ive got no idea,but im happy to bump your request.

Thanks for the info blueskies,im still not sure about where i stand,dont worry this is my fault. I find after reading for hours on end that facts get mixed up and if your not use to to this type of work it all gets a bit much.

Their seems to be about 6 types of interest alone,and then the spreadsheets need filling in.

Is it possible just to try to get the charges back without the interest as this would suit my lack of ability regarding compound,contractual,overdraft interest etc,to me it may as well be written in Spanish.

Anyway ta.

Hello.....................bump

Hi everybody,

Im a the stage now where im sending particulars of claim to mcol.

Having read joni2bads step by step guide i fear i may have made a mess of my claim.

I did send pre-lim letter with a schedule

I did send L B A...........without a schedule

I did NOT include any details of over draft charges or intrest with my schedule.just the basic charges,dates, and what they were for.

Do i have to re send a schedule of charges and include the over draft intrest? Im sure ive read on other threads NOT to mention intrest untill the mcol stage.

Thanks in advance

Blackcatchillers

AKA Stuart.

" I'm sure the Big Boys must be getting together somewhere and are scheming of how they can change the law in their favour. This must be hurting them and its great .

Im allways thinking that too Sid.

All the sars i sent out on 12-10-06 are in now with the exception of A & L.

Shame really as their by far my biggest chargers.

So it looks like a phone call in the morning.

BCC V A&L........WAITING

BCC V LLYODS................LBA GOING OUT TOMMOROW

BCC V MARBLES..............LBA GOING OUT TOMMOROW

BCC V YORKSHIRE...........LBA GOING OUT TOMMOROW

BCC V RBS.....................SAVING TILL AFTER XMAS

BCC V CITI.....................PRELIM LETTER GOING OUT TUESDAY .

If i were you i would bump this up so a mod or helper sees it.done

It took them 7 days with me.Statements came last week 33 days after requst sent.Sent of pre-lim today.I will start a thread from here on in,giving info as and when.

best of luck phatram.

Ta very much peachy.

I would go for 6,theirs a few on here testing the water regarding more than 6 years,maybe see how they go on first.

Hi,take the money but make sure you tell them its as part payment toward you getting a full refund of all your costs and charges.

Have a really good look around the site Gillian,it can take days to get the jist of everything.There are loads of storys like yours on here.You are not alone.

Hi Icklepeach.

Im not really having a problem as such, its that when you send your pre-lim letter the advice is not to include any intrest at this stage,but all the spread sheets ive seen in the template section have intrest colums to fill in.

So i wondered if the practical thing to do was just fire a simple one of,with dates - reasons- ammounts etc and leave the spead sheets untill im ready for court.

To be honest my maths and computer skills are not great,so making it as easy as possible for myself at every stage is the way to go for me.

bump

Hi everybody

Just a quickie,i cant do the spread sheet thingy Vampire,es has kindly made available.Ive tried ,oh my god have i tried.As my old dad used to say " if its to hard forget it"

Anyhow ive kinda fashioned my own,cos i dont want to look stupid.lol

11-05-2003 Late charge 20.00

14-06-2003 Late charge 20.00

.......................total.....40.00....

Will this do?

Thanks in advance.