You can do it all yourself on here, its straightforward if you read up enough and you get to keep all of your money. You will get lots of help and reassurance if you need it, so I say go for it, DIY.

Thanks everybody for your replies and good luck to those of you still waiting. Stick with it and it will happen.

hello, could somebody add my thread to the sucesses please. http://www.consumeractiongroup.co.uk/forum/natwest-bank/54129-cooxie-natwest.html

No I dont think its necessary but it will show that you have attached the draft order, cant hurt can it?

I dont think you need to respond to the defence, just acknowledge receipt. It looks much the same as mine did. I filled in the Allocation Questionaire and attached the Draft Order for Directions, (you can find it in the General section I think) send a copy to Cobbetts and wait patiently. My AQ had to be in by 19th Feb and ten days later I recieved a cheque in full. So try not to worry I dont think it will be long now.

I know thankyou hedgy

....and the waiting paid off I WON Recieved a letter today from Cobbetts, settled full amount of claim with cheque attached. They haven't included the £100 AQ fee though, so will chase that up before I sign the Notice of Discontinuance but i'm still a very happy girl. Big thankyou to everyone here, especially Muggins, without the advice and reassurance on this site I wouln't have got my money back. Will donate when cheque has cleared, off to fill in the survey now.

I think the pennys finally dropped if they pay out before court it saves them money. Things dont seem to be moving any quicker if you're already at court stage though, maybe cobbetts will speed up a bit if there are more claims settled before it gets to them, fingers crossed.

There are guidance notes here for court, hope the link works. http://www.consumeractiongroup.co.uk/forum/post-553523.html

Believe me your not on your own, I'm playing the waiting game too. It's frustrating when everyone seems to be getting cheques except you, I know how you feel but i'm sure they will settle eventually.

Finally got my AQ, so filled in ready to go with Draft Order for Directions attached. more waiting.......

NatWest seem to be responding quickly to the initial letters at the moment, from what Ive read lately, so you may well recieve an offer soon. If not, send your LBA when 14 days is up, good luck.

Thanks, appreciate the warning muggins. I haven't called cobbetts tho, just the court cos I dont recieve their mail. Notice of issue/acknowledgement of service/defence/AQ have all gone AWOL. The only info I have is what Cobbetts have sent, haven't needed to ring them.

I'll be amazed if I ever get anything from the court, keep getting all my info over the phone and from Cobbetts. They insist letters have been sent out but I never recieve them. So, Royal mail have just had a nice long complaint from me today, between them and the courts they're making Cobbetts look reliable.

Good news Muggins, about time too. Congrats!

To update, sent letter informing Mr H that his offer is too late and already filed at court, accept as part payment and all that. Still sitting here waiting for my AQ so decided to ring the court. They sent it on the 5th Feb the nice lady tells me, has to be back by the 20th but still aint got it yet, so she's sending me another one. Royal Mail playing the letter lottery with my post again, me thinks. In the meantime I've downloaded one from the HMCS website, so unless I get a win from the postman tomorrow, I'll fill that in.

Ok will do, thanks Muggins. Your's should be on its way any day now, surely. Fingers crossed.

Since recieving a copy of the Defence from Cobbetts, two weeks have passed and I have heard nothing from the court, no AQ or anything! In the meantime I turned down a 50% offer from Cobbetts and they have gone quiet now too. Today I have recieved a reply to my LBA which I sent on 30 November from Stuart Higley offering me the full amount on the schedule of charges. This is about £400 short of my total claim. So, should I just write refusing this as court costs and interest have since been added or should I ring customer relations as it suggests in the letter to "discuss this offer".

I think you may have the answers now, this thread may be useful http://www.consumeractiongroup.co.uk/forum/general/15172-reply-stock-defence-18-a.html#post116506

Thanks for the reassurance muggins, I agree the whole damn thing is tedious and the banks obviously know this and think we'll give up. Will sit tight and wait for the AQ. steve1cooke - I didnt get a cpr18, ive seen your thread and if the judge, not Cobbetts, has ordered you to respond then you MUST comply with the order. I dont feel confident enough to advise you how but i'm sure ive seen other threads about this and if I can find them I'll post on your thread. Have you looked in the CPR18 sticky? Good luck

Hi Muggins, Nice to know you're keeping an eye on this, I've been fairly confident so far but i think the nerves might be setting in. Have gone through their Defence again and section 5 relates to section 15 of Supply of Goods and Services Act as follows; 5.5 It is the case of the Defendant that the contract between the Claimant and defendant does not fall within SGSA section 15 because (a) the consideration for the service would be determined by the contract between the Claimant and the Defendant and (b) was not left to be determined in a manner agreed by the contract or determined by the course of dealings between the Claimant and the Defendant. It may just be me getting twitchy but can anyone tell me if this is their standard argument?

Hi Lawino I recieved exactly the same in the post this morning, I know how you feel. it all looks standard but still makes you twitchy doesn't it.

Hi all, things seem to be moving now.. Recieved Cobbetts defence this morning, reading other threads it seems to be the standard 6 points everyone else has recieved. There is no cpr part 18 or further info request, covering letter just asks I acknowledge receipt.

Thanks Muggins and new year wishes to you too. Not too concerned at the moment, kind of expected it to take a while with Xmas and all, just didn't expect to hear from Cobbetts first. Will see what Mondays post brings then maybe chase it up next week.

Hello Have recieved today Acknowledgement of Service from Cobbets stating they intend to defend all of the claim. If i'm correct they now have 28 days from date of service to enter their defence. Filed N1 on 22 Dec but haven't recieved notice of issue from court so not sure of the date deemed served. I should have this by now, shouldn't I??? Also recieved today response to LBA sent 30 Dec, from Mr Higley, asking me to bear with them whilst they investigate. Sorry Stu, no can do.