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Trish76

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Everything posted by Trish76

  1. Hi and welcome to the site, 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!! TRISH Useful links to help with your claim FAQ’s http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/ Letter Templates http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/ Interest Spreadsheet http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Court N1 form http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Mcol Particulars of Claim http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html
  2. My advice would be to start a claim against the bank to recover these charges. The bank is within it's right to ask for the return of cheques and cards etc but wont be able to take any further action against you while the account is in dispute (which is what it will be if you start a claim against them).
  3. Yes it is perfectly acceptable to claim charges on credit cards too. You may have to adjust the Letter Templates slightly though to suit. You will find some Credit Cards claims in progress here: http://www.consumeractiongroup.co.uk/forum/other-institutions/
  4. Have replied with same response on your thread in Abbey Forum too!!
  5. This is your claim so you decide the timescales. Send the L.B.A. after the 14 days have passed. Don't let the bank try to dictate the way your claim proceeds, it's you who's in control of this.....NOT them!!
  6. This is your claim so you decide the timescales. Send the L.B.A. after the 14 days have passed. Don't let the bank try to dictate the way your claim proceeds, it's you who's in control of this.....NOT them!!
  7. Sounds like the fairly standard "GO AWAY" response. Don't let them scare you into thinking you've done something wrong, proceed with your claim and you will receive settlement before even having to attend court.
  8. Hi and welcome to the site, 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!! TRISH Useful links to help with your claim FAQ’s http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/ Letter Templates http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/ Interest Spreadsheet http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Court N1 form http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Mcol Particulars of Claim http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html
  9. Trish76

    Help

    The fact that you've actually received a court date is a good sign, as you can be sure to receive full settlement before this date. With regards to documention for court (always better to be safe than sorry), you need to look at the court bundle. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html
  10. You should receive a Notice of Disscontinuation which must be signed and returned to the court and the defendant. A Big CONGRATULATIONS on your success!!!
  11. Probably not a great idea to omit the LBA stage, especially with such a large amount at stake. The method of issuing preliminary letters then LBA have been tried and tested by many using this site, all with great success. I would advise you to stick to the guidlines layed out by this site and issue the LBA.
  12. Hi and welcome to the site, 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!! TRISH Useful links to help with your claim FAQ’s http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/ Letter Templates http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/ Interest Spreadsheet http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Court N1 form http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Mcol Particulars of Claim http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html
  13. Congratulations sammy59, you may find that the second claim is a bit quicker. This is quite often the case as it will most likely be for a much smaller amount than original claim. These smaller claims very often get settled before even reaching the court stage.....so fingers crossed for you!!
  14. Trish76

    Advice please

    My advice would be to hold out for the full amount, afterall it's ALL rightfully yours so why settle for anything less.
  15. Can't see any reason why its too early for a nudging letter.....it certainly wont do any harm!!
  16. Hi and welcome to the site, You've definately taken the first step into claiming back what's rightfully yours. I would notify the bank of your new address, but when you send the letter requesting charges inform them of both addresses, wouldn't want to give them any reasons for delaying. 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!! TRISH Useful links to help with your claim FAQ’s http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/ Letter Templates http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/ Interest Spreadsheet http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Court N1 form http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Mcol Particulars of Claim http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html
  17. Will look forward to hearing the outcome. Best of luck!!
  18. MCOL seem to be disregarding the Allocation Questionaires, so don't feel as though you're missing out on something....just a little less paperwork for yourself!!!
  19. You really should proceed with the next stage of your claim now and file your claim through the courts. You have given them deadlines to meet in your letters and they have failed to do so. The fact that they're stating it will take 6-7 weeks to sort out is just delaying tactics on their front. It's you who sets the timescales not the bank!!
  20. You should receive the transfer details within a week of the deadline for defence submission. You could always phone MCOL and ask for clarification:
  21. Is the information requested under cpr18??
  22. In answer to your initial question, once the 14 days are up from the second letter there is no need to write to them again to notify them of the fact you're taking court proceedings, they will be aware of this from your first two letters. Proceed with your court claim. With regards to keeping all your claim details in the relevant forum, open the link below and start a new thread in the Lloyds Forum. http://www.consumeractiongroup.co.uk/forum/lloyds-bank/
  23. Not totally sure what you mean with regards to Service Fee!! Is this what it states alongside the charge?? Also, which Bank are you claiming against??
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