Well got my ACK forms off and recieved the banks this morning saying they want more time for a settlement! Looks like thet'e jst stringing it out!

Sorry abut that! Am just about to fill in my ACK forms from the court after they're defence! I'm bricking myself and are going to go through all the stuff with my Dad tomorrow and would love some help here guy's! My Dad's not bad as he's an X accountant and auditer and has been following my case but is concerned about my lack of legal representation in case the YB single me out for a test case! Whats the crack with the 'Court' buddy system? Are these people qualified or just lay people, or lay people that can withstand the 'Banks' arguments? I'll scan and send 'bankfodder' the 'Banks' defence document tonight.... Big donation on its way it I can get through this.... Happy new year all you bods... Joolz

Cheers Moss! Feeling alot better now. Just had a nasty felling that they were going to pick me to make a stand. faith restored... Joolz

Just read a few posts that say sendd to local branch as Yorkshire bank is registered in Scotland! When I aksed the county court at time of fileing they said it was OK as long as I included a statement saying no other actions we're pending in the scottish or other terrorties! My claim is for £5554 + interest! Is this right? Joolz

Hi all, Well we're carring on! After I got the offer from Yorkshire ...which i rejected they've put a defence in and I got the stuff from the courts this morning etc However when I rang them last week asking that since you'll lose why dont you settle..they said that that was the offer "AT PRESENT" what do think that means! It says I need to pay £100 as my claim exceeds £5000 etc The banks saying that the charges are for a service etc... Is they're any help on what to say to this..and is it worth getting a solitor etc... Joolz

Cheers mate feeling a bit better now! I used the partics from the forums I hope they cover everything! Just my luck to be the first one that they go to court with! Joolz

Yorkshire bank came back with an offer of £3100 in full settlement from my claim of £6200! Just got a letter from the court saying they're defending the case in full! Not sure what to do? accept the offer or keep going... Any one had this with the yorkshire or clydesdale? Joolz

Word for word mate I've had the same thing! The last letter said sorry for the delay, we are re-opening your case? hang on? Was it ever open? In the 20 days since my first letter saying that I could resopnd within 8 weeks and my complaint would be still active. However you are our fodder, except our terms etc etc....and threatening to counter sue! Yeah! Baby come on!... How can you sue someone for breaking an agreement that flouts common law, imposes punitive, arbitrary fee's and charges without consent or proof of true costs? I wonder who closed it? I am even more intriged! Will let all know Monday when MCOL goes in. Joolz

:o Well this is it guys! Time runs out on Monday for our Aussie owned friends. First thing, it's claim time! Thanks for all the great advice and support from all here, if I had'nt found this site I'd have given up when they threatend to counter sue me! Going for £6250 with interest and donation will be made straight away! Keep up the good work all. Regards Joolz

Thanks for that! Next Wednesday's the D-Day! Joolz

Sent my LBA last week Clydesdale came straight back saying they're looking again at my file and to give then 28 days. Should I write back or should I plough on with the court? Joolz

Hi, I've just sent the Cylesdale\Yorkshire bank my LBA and am getting scared! Just recieved an letter says they will counter sue me for breach of contract! Am claiming £5554 over six years! Joolz