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Trish76

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Posts posted by Trish76

  1. I wouldn't be too hasty about entering judgement as the courts do tend to allow the banks a few days grace when it comes to submitting their defence/AQ's etc. If this happens in your case and you've already entered judgement then the defendant will be allowed to apply for a set-a-side, this could delay the whole process a little further.

  2. Hi and welcome to the site,

    tongue2.gif

     

    You've definately taken the first step into claiming back what's rightfully yours.

     

    Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

     

    Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

     

    Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.

     

    All the best in your claim!!

    wink.gif

     

    TRISH

     

     

    Useful links to help with your claim

     

     

     

     

     

  3. Hi and welcome to the site,

    tongue2.gif

     

    You've definately taken the first step into claiming back what's rightfully yours.

     

    Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

     

    Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

     

    Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.

     

    All the best in your claim!!

    wink.gif

     

    TRISH

     

     

    Useful links to help with your claim

     

     

     

     

     

  4. Hi and welcome to the site,

    tongue2.gif

     

    You've definately taken the first step into claiming back what's rightfully yours.

     

    Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

     

    Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

     

    Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.

     

    All the best in your claim!!

    wink.gif

     

    TRISH

     

     

    Useful links to help with your claim

     

     

     

     

     

  5. Or you could try this one:

     

    Thank you for your letter dated xxth xxxxxx 2xxx.

     

    Your client should consider themselves fortunate I have not claimed charges going further back, since I believe that any limitation would be overturned under the terms of section 32 of the Limitations Act, due to their continued "concealment" of the facts that their charges are unlawful, or for relief from a "mistake".

     

    I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, interest and court fees, which together with the daily rate of £0.XX now total £xxxx as of XXth xxxxxx 200x

     

    I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder.

     

    I will be willing to withdraw my claim upon receipt of unconditional full settlement of my claim.

     

    I am also not prepared to agree to any confidentiality clauses you try to impose, unless of course your client wishes to make an offer of due consideration in addition to the amount of £xxxxx, in order to be afforded this privilege by myself.

     

    I trust this clarifies my position.

     

    Yours faithfully

  6. Hi and welcome to the site,

    tongue2.gif

     

    You've definately taken the first step into claiming back what's rightfully yours.

     

    Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

     

    Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

     

    Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.

     

    All the best in your claim!!

    wink.gif

     

    TRISH

     

     

    Useful links to help with your claim

     

     

     

     

     

  7. I would personally allow them an extra few days beyond this deadline as the court does tend to allow them to submit a late defence. If this is the case and you've already entered judgement then the defendant will be allowed to apply for a set-a-side. This will then only delay proceedings even further.

     

    I would expect the defence to be submitted on the deadline day or a couple of days later as this is usually the case.

  8. Hi and welcome to the site,

    tongue2.gif

     

    You've definately taken the first step into claiming back what's rightfully yours.

     

    Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

     

    Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

     

     

    All the best in your claim!!

    wink.gif

     

    TRISH

     

     

    Useful links to help with your claim

     

     

     

     

     

  9. Hi and welcome to the site,

    tongue2.gif

     

    You've definately taken the first step into claiming back what's rightfully yours.

     

    Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

     

    Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

     

    Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.

     

    All the best in your claim!!

    wink.gif

     

    TRISH

     

     

    Useful links to help with your claim

     

     

     

     

     

  10. You don't really need to issue them a second LBA, the 14 days you gave them in the first letter was more than enough. You should really proceed with court action when this deadline has elapsed.

     

    Best of luck with this one, I will watch with interest.

  11. Hi and welcome to the site,

    tongue2.gif

     

    You've definately taken the first step into claiming back what's rightfully yours.

     

    Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

     

    Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

     

    Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.

     

    All the best in your claim!!

    wink.gif

     

    TRISH

     

     

    Useful links to help with your claim

     

     

     

     

     

    • Haha 1
  12. Think it would probably be a good idea to ammend these details as you wouldn't want to give them any reason whatsoever to throw your case out.

    What would happen if you were asked to prove this was the rate you were charged.......you'd have nothing to back it up.

     

    At least due to the fact that you are at the pre court stage means it wont cost you anything for making this ammendment.

     

    I think it's always best to get things right from the start, OK it's not quite the start for you but at least you've spotted it early enough to avoid complications within your claim further down the line.

    • Haha 1
  13. If the bank fails to supply you with your data then you should complain to the bank. Give them 7 days to comply and tell them that you will begin a complaint to the Information Commissioner and also that you will begin a County Court action under the Data Protection Act.

     

    If the bank does not respond to your 7 day warning then begin your complaint and start your action.

  14. Hi and welcome to the site,

    tongue2.gif

     

    You've definately taken the first step into claiming back what's rightfully yours.

     

    Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

     

    Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

     

    Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.

     

    All the best in your claim!!

    wink.gif

     

    TRISH

     

     

    Useful links to help with your claim

     

     

     

     

     

    • Haha 1
  15. I'm sure if you've followed the guidelines layed out on this site then you'll be absolutely fine.

     

    The fees are reclaimable so don't worry about losing this money because you wont.

     

    It is totally normal to be aprehensive and think you've done something wrong, we were all there once. Just push on with your claim and get back whats righfully yours. We are all here to help with any queries you may have and to help you tackle anything they throw back at you.

     

    Best of Luck

  16. You should receive notification from MCOL as to where your claim has been transfered to, once you receive this it might be worth giving the court a ring and asking them what timescales your looking at with regards to future directions.

  17. Yes to all of the above, although with regards to the interest you can only claim a proportion of this which relates to the charges applied on the account.

    Enter all the charge details into one of the spreadsheets which will help you calculate this.

     

    http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

     

    Start a thread in the Capital One forum and keep that thread updated with your progress and any queries you may have.

     

    http://www.consumeractiongroup.co.uk/forum/capital-one/

     

    Best of luck with your claim.

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