I have left her a voicemail. Fingers crossed. Just need to remember what I'm claiming lol. charges,plus 8% interest, court fee + daily interest since MCOL. Pretty please give me my money lol. *gulp*

*bump*

Thanks for the reply, there was no mention of a court bundle, and now even more worried as its less than 14 days until the court date. Rats!!!! Will have to try and call the courts tomorrow as don't have my reference number on me. Anyone else????

Guys and Girls, still needing help here big time. Please don't let me down!

Its been a while but I'm back, ignoring today's news regarding TSB. I'm kept chipping away at my claim, and I send my AQ along with draft Directions for the court. Two weeks ago I received a 'Notice of Allocation to the Small Claims Track (Hearing)'. I am a little worried at the lack of information on it to be honest. Here is what it states: 'District Judge ____ has considered the statements of case and allocation questionnaires filed and allocated the claim to the small claims track. The hearing of the claim will take place at ___ on ______2007 at ____ County Court, and should take no longer than 5 minutes. The court must be informed immediately if the case is settled by agreement before the hearing date. The original documents shall be brough to the hearing. Please note that your case has been listed with other appointments in a block list. blah blah blah.' No mention of my request / draft directions, no mention of putting a court bundle together. I've read the link 'GOT A COURT DATE? A guide to the later stages. Don't think it can be an Allocation hearing as it already states its allocated to the small claims. There's no mention on the letter being a prelim/directions hearing. Leaving the Final Hearing (Hearing of the claim) but then why the lack of directions / mention of put together a court bundle. I'm bamboozled. Please help!

But Sir! I've completed the N1 instead, I've sent 3 copies to the court, (kept a fourth myself), attached charges (+ 8% interest) to all of them. So as yet I don't have a claim number, I'm assuming I'll receive one in the near future? When this happens, do I then need to send a copy of the schedule (+8%) to my kind helpful bank? Pte. Madcelts

HELP!!! This is holding me up, and driving me nuts. When I originally sent the charges with the LBA etc it was just the charges, no mention of overdraft interest which currently holds to be about £300. Now when I go to do the court claim, it states not to apply until I'd sent the charges and interest to the bank. I didn't read that I was meant to be including this interest. Then when you submit your claim to the court, you add 8% on, which is fine. Can someone...anyone!!!.. please advise. Am I right in thinking that I should've been claiming charges plus £300 overdraft interest plus 8% when submit claim to court? Have I messed up the overdraft interest? If so, is it salvagable? REALLY need someone's help on this. (Oh if anyone can tell me how to change the title of my thread that would be great)

Ok guys and girls, I'm ready to do my MCOL but I have two questions I need answering first. 1) I sent a list of my bank charges to the bank however I did not add the interest as I understood that you can't do this until you claim with the court. However, I've just read that I shouldn't do my MCOL until the bank have a copy of the charges with interest??? To give a bit more info, I used one of the spreadsheet (Simple Version) which calculated the interest for me, I then left the interest off the print out, and send the bank only the charges that I was claiming for. I thought that you only added on the interest when you complete the MCOL, and you entered the calculated interest or 8%, as well as the daily amount. Can someone please tell me where I have gone wrong and how to rectify, assuming that I have gone wrong. 2) At which point do I claim for the MCOL fee back from the bank? A quick response would be really really appreciated!

Well having already started my own claim with Barclays, my Bride to be has decided that I should do hers as well seeing as I've already done the reading. So off we go.... Got her statements, and it would appear approx. 4 - 4.5k is heading our way in approx. 5 months time (given the average length of successful claims on here), and assuming they don't pay straight up (we can all dream, especially when we're meant to be busy planning our wedding in 9months time!). Have sent the Pre-lim today, so lets see how we get on. Would really appreciate any advice you guys can give me. Thanks in advance!

Deleted - Not successful yet...just starting.

On behalf of my future wife, I'm taking on the might of Natwest (currently taking on Barclays myself). There's a fair amount of cash involved, which would mean we could actually afford a honeymoon. Fingers crossed, and thank you in advance of any help you may give. Just about to send the Prelim. Letter.

Barclays kindly offered me a sum of half (better than expected) a day or two before I made my MCOL. Now I'm about to send the rejection of settlement letter to them, and give them 7 days to reply (out of the kindness of my heart) and offer me the full amount. Then I'll do the MCOL, can someone please answer my questions above just to make sure I'm not making any incorrect assumptions. Thanks in advance (I hope!)

LBA has been actioned, and sent. Currently preparing for my MCOL form. Can someone help me with these assumptions, just to make sure I'm right; 1) You need to pay £120 to make a claim with the court 2) You don't include this in your list of charges you are claiming for 3) You do include the interest of 8% as well as a daily charge from the moment you issue the claim 4) How do you send the charges when you MCOL online? 5) The bank won't have a copy of the charges WITH interest claimed at this point. Can anyone help with any of these questions? Thanks in advance!

Congratulations!!! Just in time for christmas!

That's great, thanks for that guys, I could see my bonus wedding fund disappearing then . Working in real days is the answer I'd hope you give. Thanks!

oh poo poo. I've just read a thread saying that Barclays are asking that an overdraft is paid back in full. Mine is for £1600, which I don't have, and would be just about covered by my claim when I get paid it. Can they ask for it back while I'm in this process? Any suggestions?

Well amount tallied, spreadsheet put together, and Preliminary letter put together, attached alongside an interest-free version of the spreadsheet. Sending recorded delivery this morning. My question to you, "14 days to respond"...are we talking working days or are we including weekends and bank holidays? I'm sending it today, so when do I send my next letter?

Well there goes my well earned relaxing weekend, my statements have arrived. Oh well, the trawling begins . Lets find out how much money I could be getting back....

And we're off......... Mr Townsend sent me a personalised letter which I received this evening, stating 'waffle waffle blah blah... we will send you your statements within the next few weeks.' Why not just give me my money now, save all this dancing around . Do you think my bride-to-be will let me have pole dancers at either side of the top table, as long as I pay for them with my to-be-newly-acquired-cheque?

Thanks guys, fingers crossed. Fallen - that's a bit of a nightmare, but at least it means you've got money for a second honeymoon when you finally get it

After spending far too much time here reading everything, I've sent my request & cheque for a list of charges last week, and awaiting confirmation and receipt of them. Meantime, I've just read on Martin's MSE site that this morning that someone had gone into Barclays, asked for a list of charges, and mentioned she'd be prepared to leave Barclays after 15yrs with them. A week later she received a letter refunding the full amount. So I'm going to pop in at lunchtime, can't hurt to try Will let you know how I get on. And no doubt abusing your knowledge from time to time. As from the title, I'm hoping this will be concluded within 11months, enabling us to have the wedding we really want!!!