Deller, where are you???

sounds good to me..

Some useful links.. FAQ’s http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ 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 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

Some useful links.. FAQ’s http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ 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 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

Have a good look around the general debt forum.. there are loads of threads on there. You will need to be a little more specific as to what the debt is for, break it down a little and then the guys can start to advise.. http://www.consumeractiongroup.co.uk/forum/general-debt/ http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/

No its actually £600 short of the charges, plus i have spent £250 on costs so far.. I am treading carefully on this one, as you say it could get interesting should i continue purely for the interest..

they actually have 40 days so 21 days is a good result... Some useful links.. FAQ’s http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ 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 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

Some useful links.. FAQ’s http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ 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 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 you can still claim. Send an S.A.R - (Subject Access Request) in the normal way, and they then have to send you the statements..I assume you still know your account details?? Some useful links.. FAQ’s http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ 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 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

sounds good to me... Some useful links.. FAQ’s http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ 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 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

Good luck....

Some fair points raised here, always like a bit of debate. My NW claim was filed on the 25th Jan with 29.5 contractual. But i also left some breathing space arguing 16.99 and 8 as alternatives.. I have recieved an offer today, some £600 short of my claim, which to be honest i am happy about. I can now pursue the ineterst, whichever it may be, in court. However, if they had offered me the full amount i would have stopped the proceedings first thing Monday morning, on the simple basis that going to court just to squeeze the interest out of them is wrong and precarious..

thats encouraging Maxine.. thanks for that.. my claim is for a huge amount of interest tho and i'm not sure if that will go thru... But hey, if i get my charges back plus 8% i will be happy..

Hope the offer is for your full amount.. I'm a day ahead of you. J

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/ 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 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. Got a letter today from Mr Higley offering me £xxxx.. where do they get these figures from!!! Anyway, normal stuff and totally expected. The good news is if they had offered me the full amount i would have stopped now, and NOT just gone to court for contractual interest. So he has done me a favour in a strange kind of way.. But, now i have to go anyway and chase the rest of my money plus costs so we will see which interest rate they decide to offer me..

keep hassling them.. you know what these people are like....

thats the best way Mick. Good luck. Jos

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/ 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 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

its up to you BUT if you have a read about the site you will realise that if you hang on you will get the whole amount back...

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/ 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 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/ 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 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/ 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 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/ 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 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. Of course you are entitled... 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/ 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 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