Got a letter back from my credit card company basically saying i agreed to the terms and conditions of the original agreement. therefore saying they are unable to refund any charges and they trust that this clarifies the situation dont remember it saying in the contract will increase the charge when we feel like it as this company is based in scot land i read somewhere about not using a scottish court can some one explain

can anyone advise on filling in the n1 form for a credit card is it the same as for a bank or are there slight differences in applying or can you use the template in the library i am currently waiting to go to court so i am filling my form in ready for the court

Hi Vicky if you look in the Bank Templates Libary there is a link called 4.Particulars of claim - N1 - Hard copy version everything you need is in there I took it personally to the Local Court small claims dept. The lady was very helpful and checked i had filled in the right parts and i paid cash on the spot. The prices vary depending on how much you are claiming. She said the would issue it on the day and i would receive one of my copies and additional info on what happens next hope this helps Chris

hand delivered my n1 form to the local court today so i eagerly await some sort of outcome

im in the process of filling in my mcol i have a couple of questions i have used the info provided in the library template to fill in my particular of claims when ive done this and payed the fee to mcol when and what do i send to the courts and halifax Also do i need to send a court bundle or something and can i claim for additional charges from what i claimed for in th LBA any advised would be appreciated thankyou

Just received a settlement offer less than half the amount i was asking for A quick question although my 14 days for the letter before action is up do i send a rejection of letter settlement and 14days later apply online for a MCOL or do i send a rejection of settlement letter than a letter before action letter and 14 days later apply for MCOL or a comboination of both please advise

they have 2 days to produce my charges . can't see it so i have downloaded the complaints letterfrom the ico website Any one heard from the ico regarding their enquiry into barclaycard and the microfiche issue

After a long wait i have finally sent off my prelim letter so the ball is finally rolling

After a long wait finally received information, sent off prelim letter so ball is finally rolling

got my statements back from barclaycard up until may 2004 as normal all my charges were pre 2004 as i was over £200 over my credit limit and i wonder how it got that high Anyway i have sent a letter of non compliance saying they have remaining days to give me a list of charges don't really want the statements just a list of charges..... Anybody had any success with the microfiche issue thankyou

hello tonyevic im still waiting from my charges 15days gone although they cashed the cheque within about 3days just wanted to know who you contacted was it your local bank where you sent the sar to or cutomer relations please advise thankyou

Just sent off SAR really keen to get things going

Just sent off my SAR let battle commence

Just sent of My sar so im now preparing myself for the battle ahead

I believe if we just follow the procedure set by the Consumer Action Group and Complain to the Information Commissioner after the 40 days it will be brought to his attention and he will have to act but i aint a legal expert Spider666