No need to start again.. Just send them an updated LBA with any new charges on and away you go..

the s.69 8% interest can be added at the court stage... as for working out the interest on the account, i didn't bother.. Interest Spreadsheet http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

REGISTERED ADDRESS: - HALIFAX PLC TRINITY ROAD HALIFAX WEST YORKSHIRE HX1 2RG Boo Boo please start your own thread unser the Halifax forum... Ang, please do the same..

you need to start a thread in your relevent bank forum.. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

It includes all weekend days as well..

He has probably had charges for twice as much as he has claimed. They could be laughing their socks off.. You have done the right thing and i am sure you will hear something shortly..

Right. N244 now sent and a refusal letter done to Mr Higley.. Just waiting for Cobbets next move.. If they offer charges + 8% and costs, its game over for me. Don't feel comfortable just chasing contractual at a highr rate. If not, i will just see what the fair winds bring...

As always, thanks for your input Westy. I'd agree with your points that there are occasions when claiming contractual is completely justifiable, but the law behind the arguments can at times be a grey area, and open to interpretation. Because of the complexities with contractual, i don't advise people to go down this road.

Hi and welcome to the forum Aqua. Don't worry about the loans, thye are covered under another agreements anyway. 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, so far it hasn’t, but it may do. We will all be there if you end up being the ‘chosen one’ so don’t worry, it’s a long way off. 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 http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ Step by Step Guide http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/65568-simple-guide-reclaiming-bank.html#post559793 Donation http://www.consumeractiongroup.co.uk/sitemap.php A-Z Guide to stuff http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/53241-cant-find-what-youre.html How to Start a Thread http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/13182-how-make-posts.html http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=84 Letter Templates http://www.consumeractiongroup.co.uk/forum/bank-templates-library/ Rejection of Settlement/Goodwill Gestures http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html Interest Spreadsheet http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Contractual Spreadsheet http://upload2.net/page/download/KH5DXXfx6GF1KzW/Copy+of+16_Throughout_cla im_with_compounded_contra ctual_interest.xls.html Court N1 form http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Court Bundle http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html Preparing a Court Bundle http://www.consumeractiongroup.co.uk/forum/barclays-bank/29032-help-preparing-court-bundle.html Bank Contact Details http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html Moneyclaim Online https://www.moneyclaim.gov.uk/csmco2/index.jsp AQ Guide to Completion http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires.html?highlight=allocation Court Fees http://www.hmcourts-service.gov.uk/infoabout/fees/county.htm Data Prot Act Non Compliance http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html ERC Letter for Mortgages http://www.consumeractiongroup.co.uk/forum/post-432747.html Witness Statements for Court Bundle http://www.consumeractiongroup.co.uk/forum/abbey-bank/57385-examples-witness-statements-etc.html Banking Code website http://www.bankingcode.org.uk/faq.htm Limitations Act http://www.consumeractiongroup.co.uk/forum/statutes-library/415-limitation-act-1980-a.html fast track costs http://www.consumeractiongroup.co.uk/forum/general/22383-fast-track-costs.html#post174519 Scottish Procedure http://www.consumeractiongroup.co.uk/forum/guidance-notes/11123-scottish-procedure.html Scottish Forum http://www.consumeractiongroup.co.uk/forum/scotland

Hi and welcome to the forum Chipper. The answer to your question is yes, of course you have a good case..and you can go back 6 years as well.. 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, so far it hasn’t, but it may do. We will all be there if you end up being the ‘chosen one’ so don’t worry, it’s a long way off. 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 http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ Step by Step Guide http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/65568-simple-guide-reclaiming-bank.html#post559793 Donation http://www.consumeractiongroup.co.uk/sitemap.php A-Z Guide to stuff http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/53241-cant-find-what-youre.html How to Start a Thread http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/13182-how-make-posts.html http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=84 Letter Templates http://www.consumeractiongroup.co.uk/forum/bank-templates-library/ Rejection of Settlement/Goodwill Gestures http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html Interest Spreadsheet http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Contractual Spreadsheet http://upload2.net/page/download/KH5DXXfx6GF1KzW/Copy+of+16_Throughout_cla im_with_compounded_contra ctual_interest.xls.html Court N1 form http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Court Bundle http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html Preparing a Court Bundle http://www.consumeractiongroup.co.uk/forum/barclays-bank/29032-help-preparing-court-bundle.html Bank Contact Details http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html Moneyclaim Online https://www.moneyclaim.gov.uk/csmco2/index.jsp AQ Guide to Completion http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires.html?highlight=allocation Court Fees http://www.hmcourts-service.gov.uk/infoabout/fees/county.htm Data Prot Act Non Compliance http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html ERC Letter for Mortgages http://www.consumeractiongroup.co.uk/forum/post-432747.html Witness Statements for Court Bundle http://www.consumeractiongroup.co.uk/forum/abbey-bank/57385-examples-witness-statements-etc.html Banking Code website http://www.bankingcode.org.uk/faq.htm Limitations Act http://www.consumeractiongroup.co.uk/forum/statutes-library/415-limitation-act-1980-a.html fast track costs http://www.consumeractiongroup.co.uk/forum/general/22383-fast-track-costs.html#post174519 Scottish Procedure http://www.consumeractiongroup.co.uk/forum/guidance-notes/11123-scottish-procedure.html Scottish Forum http://www.consumeractiongroup.co.uk/forum/scotland

Did you enter a particulars of claim, basically laying out why you are claiming....

Firstly, go and wash your mouth out with soap!!!!! We would never advocate anyone using a third party, most are unlicensed and uninsured chancers.. Do it yourself and i guarantee that you will never have so much satisfaction..... well, almost never:) You should be ok with the CC, its under a sepeate agreement anyway.. The OD is a different ball game.. they MAY, and can if they wish, demand payment.. i would go for it anyway on the basis that the account is in dispute.. I would also open another account if need be to have your money paid into, then come to an arangement with them on paying the OD off... Some useful links.. FAQ’s http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ Step by Step Guide http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/65568-simple-guide-reclaiming-bank.html#post559793 Donation http://www.consumeractiongroup.co.uk/sitemap.php A-Z Guide to stuff http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/53241-cant-find-what-youre.html How to Start a Thread http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/13182-how-make-posts.html http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=84 Letter Templates http://www.consumeractiongroup.co.uk/forum/bank-templates-library/ Rejection of Settlement/Goodwill Gestures http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html Interest Spreadsheet http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Contractual Spreadsheet http://upload2.net/page/download/KH5DXXfx6GF1KzW/Copy+of+16_Throughout_cla im_with_compounded_contra ctual_interest.xls.html Court N1 form http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Court Bundle http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html Preparing a Court Bundle http://www.consumeractiongroup.co.uk/forum/barclays-bank/29032-help-preparing-court-bundle.html Bank Contact Details http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html Moneyclaim Online https://www.moneyclaim.gov.uk/csmco2/index.jsp AQ Guide to Completion http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires.html?highlight=allocation Court Fees http://www.hmcourts-service.gov.uk/infoabout/fees/county.htm Data Prot Act Non Compliance http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html ERC Letter for Mortgages http://www.consumeractiongroup.co.uk/forum/post-432747.html Witness Statements for Court Bundle http://www.consumeractiongroup.co.uk/forum/abbey-bank/57385-examples-witness-statements-etc.html Banking Code website http://www.bankingcode.org.uk/faq.htm Limitations Act http://www.consumeractiongroup.co.uk/forum/statutes-library/415-limitation-act-1980-a.html fast track costs http://www.consumeractiongroup.co.uk/forum/general/22383-fast-track-costs.html#post174519 Scottish Procedure http://www.consumeractiongroup.co.uk/forum/guidance-notes/11123-scottish-procedure.html Scottish Forum http://www.consumeractiongroup.co.uk/forum/scotland

Of course it is!!!!!!!! It will be the best thing you will ever do........ well almost....... Just read the FAQ's and post here when you need advice.. Some useful links.. FAQ’s http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ Step by Step Guide http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/65568-simple-guide-reclaiming-bank.html#post559793 Donation http://www.consumeractiongroup.co.uk/sitemap.php A-Z Guide to stuff http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/53241-cant-find-what-youre.html How to Start a Thread http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/13182-how-make-posts.html http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=84 Letter Templates http://www.consumeractiongroup.co.uk/forum/bank-templates-library/ Rejection of Settlement/Goodwill Gestures http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html Interest Spreadsheet http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Contractual Spreadsheet http://upload2.net/page/download/KH5DXXfx6GF1KzW/Copy+of+16_Throughout_cla im_with_compounded_contra ctual_interest.xls.html Court N1 form http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Court Bundle http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html Preparing a Court Bundle http://www.consumeractiongroup.co.uk/forum/barclays-bank/29032-help-preparing-court-bundle.html Bank Contact Details http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html Moneyclaim Online https://www.moneyclaim.gov.uk/csmco2/index.jsp AQ Guide to Completion http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires.html?highlight=allocation Court Fees http://www.hmcourts-service.gov.uk/infoabout/fees/county.htm Data Prot Act Non Compliance http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html ERC Letter for Mortgages http://www.consumeractiongroup.co.uk/forum/post-432747.html Witness Statements for Court Bundle http://www.consumeractiongroup.co.uk/forum/abbey-bank/57385-examples-witness-statements-etc.html Banking Code website http://www.bankingcode.org.uk/faq.htm Limitations Act http://www.consumeractiongroup.co.uk/forum/statutes-library/415-limitation-act-1980-a.html fast track costs http://www.consumeractiongroup.co.uk/forum/general/22383-fast-track-costs.html#post174519 Scottish Procedure http://www.consumeractiongroup.co.uk/forum/guidance-notes/11123-scottish-procedure.html Scottish Forum http://www.consumeractiongroup.co.uk/forum/scotland

Letter Templates http://www.consumeractiongroup.co.uk/forum/bank-templates-library/ Try in here Some useful links.. FAQ’s http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ Step by Step Guide http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/65568-simple-guide-reclaiming-bank.html#post559793 Donation http://www.consumeractiongroup.co.uk/sitemap.php A-Z Guide to stuff http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/53241-cant-find-what-youre.html How to Start a Thread http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/13182-how-make-posts.html http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=84 Letter Templates http://www.consumeractiongroup.co.uk/forum/bank-templates-library/ Rejection of Settlement/Goodwill Gestures http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html Interest Spreadsheet http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Contractual Spreadsheet http://upload2.net/page/download/KH5DXXfx6GF1KzW/Copy+of+16_Throughout_cla im_with_compounded_contra ctual_interest.xls.html Court N1 form http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Court Bundle http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html Preparing a Court Bundle http://www.consumeractiongroup.co.uk/forum/barclays-bank/29032-help-preparing-court-bundle.html Bank Contact Details http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html Moneyclaim Online https://www.moneyclaim.gov.uk/csmco2/index.jsp AQ Guide to Completion http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires.html?highlight=allocation Court Fees http://www.hmcourts-service.gov.uk/infoabout/fees/county.htm Data Prot Act Non Compliance http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html ERC Letter for Mortgages http://www.consumeractiongroup.co.uk/forum/post-432747.html Witness Statements for Court Bundle http://www.consumeractiongroup.co.uk/forum/abbey-bank/57385-examples-witness-statements-etc.html Banking Code website http://www.bankingcode.org.uk/faq.htm Limitations Act http://www.consumeractiongroup.co.uk/forum/statutes-library/415-limitation-act-1980-a.html fast track costs http://www.consumeractiongroup.co.uk/forum/general/22383-fast-track-costs.html#post174519 Scottish Procedure http://www.consumeractiongroup.co.uk/forum/guidance-notes/11123-scottish-procedure.html Scottish Forum http://www.consumeractiongroup.co.uk/forum/scotland

My personal opinion is to accept your offer. Its for the full amount of your charges, what you asked for, and you haven't filed at court yet,(?). You could push on, you may be lucky and get some of it back. However, the banks are now fighting a bit harder on these cases and if it were to come before a judge, who knows what way it will go. And then there is a possibility of costs, even in SMC, to consider should it all go wrong.. I would say to accept what you asked for in the first place..

wahay, another ELO fan.... first one i have seen...

Hi and welcome to the forum Grantdl. I would use the Trinity Rd address for the Halifax from now on. the RBOS can be claimed in England as that is where you reside. I would also personally use a manual N1 form as well and not the mcol.. its just a personal choice. Some useful links.. FAQ’s http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ Step by Step Guide http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/65568-simple-guide-reclaiming-bank.html#post559793 Donation http://www.consumeractiongroup.co.uk/sitemap.php A-Z Guide to stuff http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/53241-cant-find-what-youre.html How to Start a Thread http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/13182-how-make-posts.html http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=84 Letter Templates http://www.consumeractiongroup.co.uk/forum/bank-templates-library/ Rejection of Settlement/Goodwill Gestures http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html Interest Spreadsheet http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Contractual Spreadsheet http://upload2.net/page/download/KH5DXXfx6GF1KzW/Copy+of+16_Throughout_cla im_with_compounded_contra ctual_interest.xls.html Court N1 form http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Court Bundle http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html Preparing a Court Bundle http://www.consumeractiongroup.co.uk/forum/barclays-bank/29032-help-preparing-court-bundle.html Bank Contact Details http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html Moneyclaim Online https://www.moneyclaim.gov.uk/csmco2/index.jsp AQ Guide to Completion http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires.html?highlight=allocation Court Fees http://www.hmcourts-service.gov.uk/infoabout/fees/county.htm Data Prot Act Non Compliance http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html ERC Letter for Mortgages http://www.consumeractiongroup.co.uk/forum/post-432747.html Witness Statements for Court Bundle http://www.consumeractiongroup.co.uk/forum/abbey-bank/57385-examples-witness-statements-etc.html Banking Code website http://www.bankingcode.org.uk/faq.htm Limitations Act http://www.consumeractiongroup.co.uk/forum/statutes-library/415-limitation-act-1980-a.html fast track costs http://www.consumeractiongroup.co.uk/forum/general/22383-fast-track-costs.html#post174519 Scottish Procedure http://www.consumeractiongroup.co.uk/forum/guidance-notes/11123-scottish-procedure.html Scottish Forum http://www.consumeractiongroup.co.uk/forum/scotland

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, so far it hasn’t, but it may do. We will all be there if you end up being the ‘chosen one’ so don’t worry, it’s a long way off. 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 http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ Step by Step Guide http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/65568-simple-guide-reclaiming-bank.html#post559793 Donation http://www.consumeractiongroup.co.uk/sitemap.php A-Z Guide to stuff http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/53241-cant-find-what-youre.html How to Start a Thread http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/13182-how-make-posts.html http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=84 Letter Templates http://www.consumeractiongroup.co.uk/forum/bank-templates-library/ Rejection of Settlement/Goodwill Gestures http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html Interest Spreadsheet http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Contractual Spreadsheet http://upload2.net/page/download/KH5DXXfx6GF1KzW/Copy+of+16_Throughout_cla im_with_compounded_contra ctual_interest.xls.html Court N1 form http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Court Bundle http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html Preparing a Court Bundle http://www.consumeractiongroup.co.uk/forum/barclays-bank/29032-help-preparing-court-bundle.html Bank Contact Details http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html Moneyclaim Online https://www.moneyclaim.gov.uk/csmco2/index.jsp AQ Guide to Completion http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires.html?highlight=allocation Court Fees http://www.hmcourts-service.gov.uk/infoabout/fees/county.htm Data Prot Act Non Compliance http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html ERC Letter for Mortgages http://www.consumeractiongroup.co.uk/forum/post-432747.html Witness Statements for Court Bundle http://www.consumeractiongroup.co.uk/forum/abbey-bank/57385-examples-witness-statements-etc.html Banking Code website http://www.bankingcode.org.uk/faq.htm Limitations Act http://www.consumeractiongroup.co.uk/forum/statutes-library/415-limitation-act-1980-a.html fast track costs http://www.consumeractiongroup.co.uk/forum/general/22383-fast-track-costs.html#post174519 Scottish Procedure http://www.consumeractiongroup.co.uk/forum/guidance-notes/11123-scottish-procedure.html Scottish Forum http://www.consumeractiongroup.co.uk/forum/scotland

Hi and welcome to the forum Soobyloo 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, so far it hasn’t, but it may do. We will all be there if you end up being the ‘chosen one’ so don’t worry, it’s a long way off. 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 http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ Step by Step Guide http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/65568-simple-guide-reclaiming-bank.html#post559793 Donation http://www.consumeractiongroup.co.uk/sitemap.php A-Z Guide to stuff http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/53241-cant-find-what-youre.html How to Start a Thread http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/13182-how-make-posts.html http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=84 Letter Templates http://www.consumeractiongroup.co.uk/forum/bank-templates-library/ Rejection of Settlement/Goodwill Gestures http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html Interest Spreadsheet http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Contractual Spreadsheet http://upload2.net/page/download/KH5DXXfx6GF1KzW/Copy+of+16_Throughout_cla im_with_compounded_contra ctual_interest.xls.html Court N1 form http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Court Bundle http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html Preparing a Court Bundle http://www.consumeractiongroup.co.uk/forum/barclays-bank/29032-help-preparing-court-bundle.html Bank Contact Details http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html Moneyclaim Online https://www.moneyclaim.gov.uk/csmco2/index.jsp AQ Guide to Completion http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires.html?highlight=allocation Court Fees http://www.hmcourts-service.gov.uk/infoabout/fees/county.htm Data Prot Act Non Compliance http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html ERC Letter for Mortgages http://www.consumeractiongroup.co.uk/forum/post-432747.html Witness Statements for Court Bundle http://www.consumeractiongroup.co.uk/forum/abbey-bank/57385-examples-witness-statements-etc.html Banking Code website http://www.bankingcode.org.uk/faq.htm Limitations Act http://www.consumeractiongroup.co.uk/forum/statutes-library/415-limitation-act-1980-a.html fast track costs http://www.consumeractiongroup.co.uk/forum/general/22383-fast-track-costs.html#post174519 Scottish Procedure http://www.consumeractiongroup.co.uk/forum/guidance-notes/11123-scottish-procedure.html Scottish Forum http://www.consumeractiongroup.co.uk/forum/scotland

Hi and welcome to the forum. Some useful links.. FAQ’s http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ Step by Step Guide http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/65568-simple-guide-reclaiming-bank.html#post559793 Donation http://www.consumeractiongroup.co.uk/sitemap.php A-Z Guide to stuff http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/53241-cant-find-what-youre.html How to Start a Thread http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/13182-how-make-posts.html http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=84 Letter Templates http://www.consumeractiongroup.co.uk/forum/bank-templates-library/ Rejection of Settlement/Goodwill Gestures http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html Interest Spreadsheet http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Contractual Spreadsheet http://upload2.net/page/download/KH5DXXfx6GF1KzW/Copy+of+16_Throughout_cla im_with_compounded_contra ctual_interest.xls.html Court N1 form http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Court Bundle http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html Preparing a Court Bundle http://www.consumeractiongroup.co.uk/forum/barclays-bank/29032-help-preparing-court-bundle.html Bank Contact Details http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html Moneyclaim Online https://www.moneyclaim.gov.uk/csmco2/index.jsp AQ Guide to Completion http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires.html?highlight=allocation Court Fees http://www.hmcourts-service.gov.uk/infoabout/fees/county.htm Data Prot Act Non Compliance http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html ERC Letter for Mortgages http://www.consumeractiongroup.co.uk/forum/post-432747.html Witness Statements for Court Bundle http://www.consumeractiongroup.co.uk/forum/abbey-bank/57385-examples-witness-statements-etc.html Banking Code website http://www.bankingcode.org.uk/faq.htm Limitations Act http://www.consumeractiongroup.co.uk/forum/statutes-library/415-limitation-act-1980-a.html fast track costs http://www.consumeractiongroup.co.uk/forum/general/22383-fast-track-costs.html#post174519 Scottish Procedure http://www.consumeractiongroup.co.uk/forum/guidance-notes/11123-scottish-procedure.html Scottish Forum http://www.consumeractiongroup.co.uk/forum/scotland

Hi and welcome to the forum Sharon. You may want to consider changing your username. Just PM a mod and they will do that for you. 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, so far it hasn’t, but it may do. We will all be there if you end up being the ‘chosen one’ so don’t worry, it’s a long way off. 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 http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ Step by Step Guide http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/65568-simple-guide-reclaiming-bank.html#post559793 Donation http://www.consumeractiongroup.co.uk/sitemap.php A-Z Guide to stuff http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/53241-cant-find-what-youre.html How to Start a Thread http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/13182-how-make-posts.html http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=84 Letter Templates http://www.consumeractiongroup.co.uk/forum/bank-templates-library/ Rejection of Settlement/Goodwill Gestures http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html Interest Spreadsheet http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Contractual Spreadsheet http://upload2.net/page/download/KH5DXXfx6GF1KzW/Copy+of+16_Throughout_cla im_with_compounded_contra ctual_interest.xls.html Court N1 form http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Court Bundle http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html Preparing a Court Bundle http://www.consumeractiongroup.co.uk/forum/barclays-bank/29032-help-preparing-court-bundle.html Bank Contact Details http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31052-contact-details-banks.html Moneyclaim Online https://www.moneyclaim.gov.uk/csmco2/index.jsp AQ Guide to Completion http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires.html?highlight=allocation Court Fees http://www.hmcourts-service.gov.uk/infoabout/fees/county.htm Data Prot Act Non Compliance http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html ERC Letter for Mortgages http://www.consumeractiongroup.co.uk/forum/post-432747.html Witness Statements for Court Bundle http://www.consumeractiongroup.co.uk/forum/abbey-bank/57385-examples-witness-statements-etc.html Banking Code website http://www.bankingcode.org.uk/faq.htm Limitations Act http://www.consumeractiongroup.co.uk/forum/statutes-library/415-limitation-act-1980-a.html fast track costs http://www.consumeractiongroup.co.uk/forum/general/22383-fast-track-costs.html#post174519 Scottish Procedure http://www.consumeractiongroup.co.uk/forum/guidance-notes/11123-scottish-procedure.html Scottish Forum http://www.consumeractiongroup.co.uk/forum/scotland

Ok. I would give them a call and send them a letter out of the library and add a paragraph asking for your statemenst again...

Don't worry, standard stuff... you will get an offer very shortly..

Hi Ping... this is an excellent link written by Jonni about rejecting offers. You will find the one you need.. Rejection of Settlement/Goodwill Gestures http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html Jazzy, start your own thread please..

yes it is.. stick to your timescale for now, and send the next letter after the 14 days is up..