I'm not 100% sure but my guess is that the default will be on your file for the next 6 years anyway. I think it comes up as default satisfied, but the word default is still there.. May need some input from another user..

Hi Progenic... Found your thread thru one of Mcuth's... great argument although i need to read it a few more time to fully understand. These things are never written simply are they... I currently have a NW claim going thru the court which is a standard 6 years plus contactual. My next claim will be with NW again from anout 1990 up to 2000, probably with contractual again.. So i now have 2 arguments going on, SoLA and Contractual Interest, which i think may take a good few weeks to get watertight.. Much respect to both yourself and Glenn, some great threads.. Jos

success rate is around 100%....

excellent thread zoo

Firstly, i would split the claims up so they are seperate. £11000 is quite a large claim and there is more chance that it will stay in the small claims court if it is a lower amount. there won't be any solicitors costs at all ok. As long as you follow the process on the site you will be ok. And take no notice of the bank at all, they will fob you off all the way along. I would suggest you read the success stories in the Lloyds forum and of course the FAQ pages. Then start your own thread so people can follow your progress and advise accordingly. http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/ FAQ’s http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ http://www.consumeractiongroup.co.uk/forum/lloyds-bank/

Hi and welcome to the forum. The first thing you need to do is start your own thread in here. http://www.consumeractiongroup.co.uk/forum/alliance-leicester/ The process that you will follow is relatively easy but IS NOT a get rich quick scheme. Spend time reading the FAQ pages as this will stop you making mistakes along the way, and is the most important part. Read as many threads as your eyes will allow, you will gain invaluable knowledge which will give you the confidence you need. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere. This site is all about EMPOWERMENT and you will gain the confidence that you will need. The excellent A-Z guide compiled by Michael is a fantastic source of information. But remember, this isn’t a game. You are taking on large institutions which MAY lead to court, but you do need to be prepared. Everyone is very friendly and keen to help. Dave and Bankfodder have done a great job in producing the site, and all the moderators, helpers and current users really are a very nice bunch. Please also understand that any advice that you receive is normally based on experience and expert advice should be sought if needed. I have put some useful links onto the thread that you can refer to when needed. Good luck. See you at the other end…… Some useful links.. FAQ's Step by Step Guide If you wish to make a Donation A-Z Guide Making Posts Start a thread Letter Template Library Rejection Of Settlement / Good Will Gestures Interest Spreadsheets Contractual Spreadsheet Court N1 Form Court Bundle Preparing a Court Bundle Bank Contact Details Moneyclaim Online AQ Guide to Completion Court Fees Data Protection non Compliance Witness Statements for Court Bundle Banking Code Website Limitations Act Fast Track Costs Scottish Procedure Scotland Forum

I would just send the first letter in the template library to the address on the top of your statements.. Good luck

They may do but probably not. Big piece in todays Daily Mail about this as well.. I really wouldn't worry about it, but you can open a parachute account with another bank just to be safe. The first thing you need to do is start your own thread in here. http://www.consumeractiongroup.co.uk/forum/hsbc-bank/ The process that you will follow is relatively easy but IS NOT a get rich quick scheme. Spend time reading the FAQ pages as this will stop you making mistakes along the way, and is the most important part. Read as many threads as your eyes will allow, you will gain invaluable knowledge which will give you the confidence you need. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere. This site is all about EMPOWERMENT and you will gain the confidence that you will need. The excellent A-Z guide compiled by Michael is a fantastic source of information. But remember, this isn’t a game. You are taking on large institutions which MAY lead to court, but you do need to be prepared. Everyone is very friendly and keen to help. Dave and Bankfodder have done a great job in producing the site, and all the moderators, helpers and current users really are a very nice bunch. Please also understand that any advice that you receive is normally based on experience and expert advice should be sought if needed. I have put some useful links onto the thread that you can refer to when needed. Good luck. See you at the other end…… Some useful links.. FAQ's Step by Step Guide If you wish to make a Donation A-Z Guide Making Posts Start a thread Letter Template Library Rejection Of Settlement / Good Will Gestures Interest Spreadsheets Contractual Spreadsheet Court N1 Form Court Bundle Preparing a Court Bundle Bank Contact Details Moneyclaim Online AQ Guide to Completion Court Fees Data Protection non Compliance Witness Statements for Court Bundle Banking Code Website Limitations Act Fast Track Costs Scottish Procedure Scotland Forum

Charlottes web, great book... Don't worry about the OFT report and don't cut any deals.. Just folllow the procedures outlined on the site and you will be fine.. The first thing you need to do is find your relevant banks forum and start your own thread in there. http://www.consumeractiongroup.co.uk/forum/hsbc-bank/ The process that you will follow is relatively easy but IS NOT a get rich quick scheme. Spend time reading the FAQ pages as this will stop you making mistakes along the way, and is the most important part. Read as many threads as your eyes will allow, you will gain invaluable knowledge which will give you the confidence you need. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere. This site is all about EMPOWERMENT and you will gain the confidence that you will need. The excellent A-Z guide compiled by Michael is a fantastic source of information. But remember, this isn’t a game. You are taking on large institutions which MAY lead to court, but you do need to be prepared. Everyone is very friendly and keen to help. Dave and Bankfodder have done a great job in producing the site, and all the moderators, helpers and current users really are a very nice bunch. Please also understand that any advice that you receive is normally based on experience and expert advice should be sought if needed. I have put some useful links onto the thread that you can refer to when needed. Good luck. See you at the other end…… Some useful links.. FAQ's Step by Step Guide If you wish to make a Donation A-Z Guide Making Posts Start a thread Letter Template Library Rejection Of Settlement / Good Will Gestures Interest Spreadsheets Contractual Spreadsheet Court N1 Form Court Bundle Preparing a Court Bundle Bank Contact Details Moneyclaim Online AQ Guide to Completion Court Fees Data Protection non Compliance Witness Statements for Court Bundle Banking Code Website Limitations Act Fast Track Costs Scottish Procedure Scotland Forum

It is a total load of rubbish. They know their responsibilities under the Data Protection act. have you sent the letter off or spoken on the phone? Letter Templates http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

Good luck Bispers. Start a thread in your banks forum so we can follow your progress. Jos http://www.consumeractiongroup.co.uk/forum/alliance-leicester/ http://www.consumeractiongroup.co.uk/forum/barclays-bank/ http://www.consumeractiongroup.co.uk/forum/cooperative-bank/ http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/ http://www.consumeractiongroup.co.uk/forum/hsbc-bank/ http://www.consumeractiongroup.co.uk/forum/lloyds-bank/ http://www.consumeractiongroup.co.uk/forum/natwest-bank/ http://www.consumeractiongroup.co.uk/forum/nationwide/ http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/ http://www.consumeractiongroup.co.uk/forum/yorkshire-bank-clydesdale-bank/ http://www.consumeractiongroup.co.uk/forum/capital-one/ http://www.consumeractiongroup.co.uk/forum/mortgage-companies/ http://www.consumeractiongroup.co.uk/forum/first-direct/ http://www.consumeractiongroup.co.uk/forum/woolwich/

Hi and welcome to the forum Whiskas. I would suggest you open a parachute account first, whcih gives you an option in case they call in your OD. The first thing you need to do is find your relevant banks forum and start your own thread in there. http://www.consumeractiongroup.co.uk/forum/nationwide/ The process that you will follow is relatively easy but IS NOT a get rich quick scheme. Spend time reading the FAQ pages as this will stop you making mistakes along the way, and is the most important part. Read as many threads as your eyes will allow, you will gain invaluable knowledge which will give you the confidence you need. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere. This site is all about EMPOWERMENT and you will gain the confidence that you will need. The excellent A-Z guide compiled by Michael is a fantastic source of information. But remember, this isn’t a game. You are taking on large institutions which MAY lead to court, but you do need to be prepared. Everyone is very friendly and keen to help. Dave and Bankfodder have done a great job in producing the site, and all the moderators, helpers and current users really are a very nice bunch. Please also understand that any advice that you receive is normally based on experience and expert advice should be sought if needed. I have put some useful links onto the thread that you can refer to when needed. Good luck. See you at the other end…… Some useful links.. FAQ's Step by Step Guide If you wish to make a Donation A-Z Guide Making Posts Start a thread Letter Template Library Rejection Of Settlement / Good Will Gestures Interest Spreadsheets Contractual Spreadsheet Court N1 Form Court Bundle Preparing a Court Bundle Bank Contact Details Moneyclaim Online AQ Guide to Completion Court Fees Data Protection non Compliance Witness Statements for Court Bundle Banking Code Website Limitations Act Fast Track Costs Scottish Procedure Scotland Forum

Hi and welcome to the forum. Some of this info you will already know, so I apologise if you have already seen some of it. The process that you will follow is relatively easy but IS NOT a get rich quick scheme. Spend time reading the FAQ pages as this will stop you making mistakes along the way, and is the most important part. Read as many threads as your eyes will allow, you will gain invaluable knowledge which will give you the confidence you need. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere. Then start your own thread under the relevant bank and other users will help and guide you along the way. This site is all about EMPOWERMENT and you will gain the confidence that you will need. The excellent A-Z guide compiled by Michael is a fantastic source of information. But remember, this isn’t a game. You are taking on large institutions which MAY lead to court, but you do need to be prepared. Everyone is very friendly and keen to help. Dave and Bankfodder have done a great job in producing the site, and all the moderators, helpers and current users really are a very nice bunch. Please also understand that any advice that you receive is normally based on experience and expert advice should be sought if needed. I have put some useful links onto the thread that you can refer to when needed. good luck. See you at the other end…… Some useful links.. FAQ's Step by Step Guide If you wish to make a Donation A-Z Guide Making Posts Start a thread Letter Template Library Rejection Of Settlement / Good Will Gestures Interest Spreadsheets Contractual Spreadsheet Court N1 Form Court Bundle Preparing a Court Bundle Bank Contact Details Moneyclaim Online AQ Guide to Completion Court Fees Data Protection non Compliance Witness Statements for Court Bundle Banking Code Website Limitations Act Fast Track Costs Scottish Procedure Scotland Forum

Hi and welcome to the forum. Some of this info you will already know, so I apologise if you have already seen some of it. The process that you will follow is relatively easy but IS NOT a get rich quick scheme. Spend time reading the FAQ pages as this will stop you making mistakes along the way, and is the most important part. Read as many threads as your eyes will allow, you will gain invaluable knowledge which will give you the confidence you need. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere. Then start your own thread under the relevant bank and other users will help and guide you along the way. This site is all about EMPOWERMENT and you will gain the confidence that you will need. The excellent A-Z guide compiled by Michael is a fantastic source of information. But remember, this isn’t a game. You are taking on large institutions which MAY lead to court, but you do need to be prepared. Everyone is very friendly and keen to help. Dave and Bankfodder have done a great job in producing the site, and all the moderators, helpers and current users really are a very nice bunch. Please also understand that any advice that you receive is normally based on experience and expert advice should be sought if needed. I have put some useful links onto the thread that you can refer to when needed. Good luck. See you at the other end…… Some useful links.. FAQ's Step by Step Guide If you wish to make a Donation A-Z Guide Making Posts Start a thread Letter Template Library Rejection Of Settlement / Good Will Gestures Interest Spreadsheets Contractual Spreadsheet Court N1 Form Court Bundle Preparing a Court Bundle Bank Contact Details Moneyclaim Online AQ Guide to Completion Court Fees Data Protection non Compliance Witness Statements for Court Bundle Banking Code Website Limitations Act Fast Track Costs Scottish Procedure Scotland Forum

40 days is the deadline that they have to meet.. be patient, follow the process and it will be fine.. I have put a link to your relevant banks forum so you can now start a thread in there.. http://www.consumeractiongroup.co.uk/forum/cooperative-bank/ Good luck. See you at the other end…… Some useful links.. FAQ's Step by Step Guide If you wish to make a Donation A-Z Guide Making Posts Start a thread Letter Template Library Rejection Of Settlement / Good Will Gestures Interest Spreadsheets Contractual Spreadsheet Court N1 Form Court Bundle Preparing a Court Bundle Bank Contact Details Moneyclaim Online AQ Guide to Completion Court Fees Data Protection non Compliance Witness Statements for Court Bundle Banking Code Website Limitations Act Fast Track Costs Scottish Procedure Scotland Forum

Not sure to be honest but i have a claim currently at the N1 stage, but this is just a normal claim. However, my next claim will be purely a 6+ years claim, from 1990 - 2000 with contractual.. Have jus sent my SAR off..

Some useful links.. FAQ's Step by Step Guide If you wish to make a Donation A-Z Guide Making Posts Start a thread Letter Template Library Rejection Of Settlement / Good Will Gestures Interest Spreadsheets Contractual Spreadsheet Court N1 Form Court Bundle Preparing a Court Bundle Bank Contact Details Moneyclaim Online AQ Guide to Completion Court Fees Data Protection non Compliance Witness Statements for Court Bundle Banking Code Website Limitations Act Fast Track Costs Scottish Procedure Scotland Forum

Some useful links.. FAQ's Step by Step Guide If you wish to make a Donation A-Z Guide Making Posts Start a thread Letter Template Library Rejection Of Settlement / Good Will Gestures Interest Spreadsheets Contractual Spreadsheet Court N1 Form Court Bundle Preparing a Court Bundle Bank Contact Details Moneyclaim Online AQ Guide to Completion Court Fees Data Protection non Compliance Witness Statements for Court Bundle Banking Code Website Limitations Act Fast Track Costs Scottish Procedure Scotland Forum

I would say it possibly is.. have a look in the mortgage forum, there are some excellent posts in there.. http://www.consumeractiongroup.co.uk/forum/mortgage-companies/

Hi and welcome to the forum Hoppity, great username..lol.. Some of this info you will already know, so I apologise if you have already seen some of it. The process that you will follow is relatively easy but IS NOT a get rich quick scheme. Spend time reading the FAQ pages as this will stop you making mistakes along the way, and is the most important part. Read as many threads as your eyes will allow, you will gain invaluable knowledge which will give you the confidence you need. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere. Then start your own thread under the relevant bank and other users will help and guide you along the way. This site is all about EMPOWERMENT and you will gain the confidence that you will need. The excellent A-Z guide compiled by Michael is a fantastic source of information. But remember, this isn’t a game. You are taking on large institutions which MAY lead to court, but you do need to be prepared. Everyone is very friendly and keen to help. Dave and Bankfodder have done a great job in producing the site, and all the moderators, helpers and current users really are a very nice bunch. Please also understand that any advice that you receive is normally based on experience and expert advice should be sought if needed. I have put some useful links onto the thread that you can refer to when needed. I have also put a link to your relevant banks forum so you can now start a thread in there.. http://www.consumeractiongroup.co.uk/forum/lloyds-bank/ Good luck. See you at the other end…… Some useful links.. FAQ's Step by Step Guide If you wish to make a Donation A-Z Guide Making Posts Start a thread Letter Template Library Rejection Of Settlement / Good Will Gestures Interest Spreadsheets Contractual Spreadsheet Court N1 Form Court Bundle Preparing a Court Bundle Bank Contact Details Moneyclaim Online AQ Guide to Completion Court Fees Data Protection non Compliance Witness Statements for Court Bundle Banking Code Website Limitations Act Fast Track Costs Scottish Procedure Scotland Forum

Hi and welcome to the forum Lynx. Some of this info you will already know, so I apologise if you have already seen some of it. The process that you will follow is relatively easy but IS NOT a get rich quick scheme. Spend time reading the FAQ pages as this will stop you making mistakes along the way, and is the most important part. Read as many threads as your eyes will allow, you will gain invaluable knowledge which will give you the confidence you need. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere. Then start your own thread under the relevant bank and other users will help and guide you along the way. This site is all about EMPOWERMENT and you will gain the confidence that you will need. The excellent A-Z guide compiled by Michael is a fantastic source of information. But remember, this isn’t a game. You are taking on large institutions which MAY lead to court, but you do need to be prepared. Everyone is very friendly and keen to help. Dave and Bankfodder have done a great job in producing the site, and all the moderators, helpers and current users really are a very nice bunch. Please also understand that any advice that you receive is normally based on experience and expert advice should be sought if needed. I have put some useful links onto the thread that you can refer to when needed. Good luck. See you at the other end…… Some useful links.. FAQ's Step by Step Guide If you wish to make a Donation A-Z Guide Making Posts Start a thread Letter Template Library Rejection Of Settlement / Good Will Gestures Interest Spreadsheets Contractual Spreadsheet Court N1 Form Court Bundle Preparing a Court Bundle Bank Contact Details Moneyclaim Online AQ Guide to Completion Court Fees Data Protection non Compliance Witness Statements for Court Bundle Banking Code Website Limitations Act Fast Track Costs Scottish Procedure Scotland Forum

why did you offer to settle for a smaller amount??? I would put a covering letter inside the envelope with your accepatance form

Hi and welcome to the forum rem. Some of this info you will already know, so I apologise if you have already seen some of it. The process that you will follow is relatively easy but IS NOT a get rich quick scheme. Spend time reading the FAQ pages as this will stop you making mistakes along the way, and is the most important part. Read as many threads as your eyes will allow, you will gain invaluable knowledge which will give you the confidence you need. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere. Then start your own thread under the relevant bank and other users will help and guide you along the way. This site is all about EMPOWERMENT and you will gain the confidence that you will need. The excellent A-Z guide compiled by Michael is a fantastic source of information. But remember, this isn’t a game. You are taking on large institutions which MAY lead to court, but you do need to be prepared. Everyone is very friendly and keen to help. Dave and Bankfodder have done a great job in producing the site, and all the moderators, helpers and current users really are a very nice bunch. Please also understand that any advice that you receive is normally based on experience and expert advice should be sought if needed. I have put some useful links onto the thread that you can refer to when needed. Good luck. See you at the other end…… Some useful links.. FAQ's Step by Step Guide If you wish to make a Donation A-Z Guide Making Posts Start a thread Letter Template Library Rejection Of Settlement / Good Will Gestures Interest Spreadsheets Contractual Spreadsheet Court N1 Form Court Bundle Preparing a Court Bundle Bank Contact Details Moneyclaim Online AQ Guide to Completion Court Fees Data Protection non Compliance Witness Statements for Court Bundle Banking Code Website Limitations Act Fast Track Costs Scottish Procedure Scotland Forum

they will probably only send the last 6, but specify that in your letter... Start a thread in the NW forum also.. Some useful links.. FAQ's Step by Step Guide If you wish to make a Donation A-Z Guide Making Posts Start a thread Letter Template Library Rejection Of Settlement / Good Will Gestures Interest Spreadsheets Contractual Spreadsheet Court N1 Form Court Bundle Preparing a Court Bundle Bank Contact Details Moneyclaim Online AQ Guide to Completion Court Fees Data Protection non Compliance Witness Statements for Court Bundle Banking Code Website Limitations Act Fast Track Costs Scottish Procedure Scotland Forum

Scottish Procedure http://www.consumeractiongroup.co.uk/forum/guidance-notes/11123-scottish-procedure.html Scottish Forum http://www.consumeractiongroup.co.uk/forum/scotland