Just like to say thanks to Calculator and Midge for your comments on info. I will get as much info as to what the Gvmnt will be doing about misappropriation. To all others.....thanks for the hijacking lol

Hi Firstly start a thread in the Halifax forum as this means you will get ppl whoi have dealt with Halifax on hand to answer your questions. Secondly...read FAQS thouroughly so you have a good idea of what the process is. Thirdly...send the LBA once the time schedule you have set up has expired Good luck

Hello and welcome to the Consumer Action Group! There are a few things that you must do before sending letters off left right and centre. By following the steps correctly you save yourself and others a lot of work! Read the FAQs. Print them out and take 2 -3 days to understand what it is you are about to do…..you wouldn’t just jump into a lake for a swim unless you knew how to swim, would you?? Understand the process. Don’t try to start halfway through, it won’t work. Its time consuming but at least you won’t be making any mistakes in getting your money back! Read through the relevant forum for your bank claim. Here you will find others journeys, celebrations and queries, most of which will help you in your claim. Start a thread in your forum, and keep it in your favourites so you can find it easier. Call it your name v bank name for example. Here you can log your own journey, ask questions and most of all offer another thread for a newer person to read (see you are giving something back already) It’s your claim; you have to do the work! Its not easy, can be very frustrating and at times you will feel like throwing the towel and letting them get away. But keep on going, seek advice from mods / site helpers/ or anyone else who is on the forum, great place for this is the chat room, try it out! Good luck

Thank you for the link, this was published after the debate was held at House of Commons (see link on my name)

Hi all Caggers! I have an appt with my local MP on Friday 16th Feb. He has given me 2 hours and I want to make sure I fill it with current and legitimate info. I want to bring up bank and mortgage charges, as well as misappropriation of Benefits by the Banks. I have the regular laws used for bank charges, but would really appreciate some cases as evidence, other relevant info you feel is appropriate, info on misappropriation and any little pieces of gold you have individually dug up which may be of importance. If you are happy for me to use actual cases then for confidentiality reasons feel free to PM. Thanks and dont forget to look back on here from Saturday when i will post the outcomes of the meeting Mrsfoot

HI Having read your thread with some interest, i just wanted to guide you in some small way. 1. Re possesion hearing. Take with you your offer and rejection letter. Explain to the Judge you have already applied for a repayment schedule and this has been refused, even though it will claer the arrears in 18 months. (Judges dont like time wasters so he wont be too impressed they have refused this) 2. Complete you income and expenditure with just basic money. DO NOT add in expected overtime as this can stop and you will be in a worse situation. Be realistic with your offer. If you can afford the £100 then dont be pressured into paying anymore. 3. Bring the £55 charges up. Explain to the Judge that you are willing to pay XX amount but half of this is going on admin fee....sues35 had a similar case with SPML and the Judge had SPML deduct the fees added and ordered no further charges to be added to the account whilst her arrears were being paid off. With sues35 her case was adjourned for SPML to justify the charge of £50 per month (i think) and this was not done so she went back on her next date, explained what SPML had given her (just anohter set of figures and a leaflet showing the charges set out) and so they were deducted. I think it was somethign like £700 in total from ehr arrears. 4. Be assertive. It is your house and the Judge wont be impressed if you turn up late, scruffy, not prepared and look like your not bothered. My sister kept her house even though it took her 5 years to pay arrears off all on the basis that she was prepared, assertive and had shown initiative. Good luck

HI and welcome to the site Many people have claimed from closed accounts and is no different from live accounts. Either go into your local branch with passport or photo driving licence and get the details from them. The send your Data Protection Act S.A.R - (Subject Access Request) for that account. Good luck and dont forget to start a thread in the relevants banks forum mrsf

Hi sent mine off to Lord Faulkner and Local MP

Having read the above, i can wholey agree with the statement that eventually all claims will be defended. I would also like to take this time to thank Zooman for clarifying the small claims cost system, as many people are still under the impression that no costs can be awarded by being in small claims and this can be a dangerous and expensive train of thought.

Hi Zoot, great idea i will research Swift as i have most info already

Thanks Bona much appreciated

Bumpety bump!!!

I am not claiming ERC, only charges for late payments etc. Is it still better to withdraw?

I have been allocated to fast track. One question keeps raising its head. Can i apply to the DJ after the allocation has been determined to ask for the costs not to be awarded, due to the fact i thought it would go to small claims and its only becuse the defendant wants it in fast track in order to set a precedent? I know this is a question that has risen before with others and therefore i put it in a seperate thread from mine. Thanks

Thanks Alan, i have emailed them with more or less exactly what you have suggested lol Its very frustrating, especially when they mentioned they objected to orignal part 18 because it would be in witness statement and then it wasnt there!!! I ahev worked closesly with another swiftie who mentioned they relyed on an audit report identifying that the financial dept was self funding, although they had not declared this and it was not shown in court. The judge just took theor word for it so i have requested that be dicslosed, along with other items Zoot hilighted in a post shoing their witness statment. Heres hoping i get what i want. Starting to feel bit nervous about the whole fight to be honest, with all ERC being shot down at present, although mine is not ERC im still jittery!

Have had response from DJ re letter. He know wants a formal application. Not sure why the clerk did not tell me this in first place However I am going to email Swift sols and tell them what I am asking for....and offer to accept an out of court settlement...any thoughts??

Dear Les What a strong person you are. You have given so much to others on this site, guided and advised wherever you can. Please enjoy each precious moment, you only get one chance at life, its not a dress rehearsal....take each and every second and love it for what it brings. Sue

Hello and welcome to the Consumer Action Group! There are a few things that you must do before sending letters off left right and centre. By following the steps correctly you save yourself and others a lot of work! Read the FAQs. Print them out and take 2 -3 days to understand what it is you are about to do…..you wouldn’t just jump into a lake for a swim unless you knew how to swim, would you?? Understand the process. Don’t try to start halfway through, it won’t work. Its time consuming but at least you won’t be making any mistakes in getting your money back! Read through the relevant forum for your bank claim. Here you will find others journeys, celebrations and queries, most of which will help you in your claim. Start a thread in your forum, and keep it in your favourites so you can find it easier. Call it your name v bank name for example. Here you can log your own journey, ask questions and most of all offer another thread for a newer person to read (see you are giving something back already) It’s your claim; you have to do the work! Its not easy, can be very frustrating and at times you will feel like throwing the towel and letting them get away. But keep on going, seek advice from mods / site helpers/ or anyone else who is on the forum, great place for this is the chat room, try it out! Good luck

I stand corrected. It was my honest opinion that it was only accepted once the track had been decided and it was placed on fast / multi. Thanks Glen for the update

me v swift. Charges not ERC http://www.consumeractiongroup.co.uk/forum/mortgage-companies/46576-me-swift.html

Hi re part 18 request it is only applicable in fast or multi. In my opinion Barry Paul has a good chance of appeal on the case that Swift relied on evidence not disclosed

HI Catherine Sorry to hear about the crash, hope your feeling better soon. It can be very dibilitating when its the spine and neck, but im sure you will be up fighting fit again. Just as a side, have look over other threads re ERC (im sure you have) but some things have moved on since your last visit. Take care and get well soon

HI and welcome Have a look at the Barclays forum you will get a good idea at how long ppl have waited. Although my nephew is dealing with BB at min and they have been quite quick at sending statements. Good luck

Letter has been sent into DJ to ask for disclosure on actual figures, during a phone call to court today the Judge has the letter in fromt of him today and will make the decision on the order. I suggest all cases now follow the advie and get disclosure. Remember unless it is diclosed neither of you ccan use it at the trial!

Hi Barry First of all thanks for the call, was sorry to hear the bad news howevr i have been thinking about what we discussed. I have to agree with Charbydis with the following. I think you can appeal on the grounds that they used a document that was not declared, therefore they cannot use it as evidence. Im understanding that they did not declare it otherwise you would of been able to see the figures. However like we discussed, you really have to be the one to make the decison on whether to appeal or not.