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manolo

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About manolo

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  1. Hi I was wondering, I know that for each bank you have to wait until one claim is over and done with before starting the next one for the same bank to avoid them consolidating them and it going over the small claims limit, but can you do claims for different banks at the same time??? Thanks for any advice.
  2. Hi, i think I read somewhere on this site that you can get your statements if you no longer know your account no. Can someone please tell me if this is right as I am trying to get statemets from a closed account. Thank you for any help
  3. The cheque was finally put into my account today!!! Yay. Apparently they have a big work load on at the moment! lol. Good luck everyone else. And thank you to everyone who has been so kind and helpfull to me. Onto claim 2! Kerry x
  4. Can anyone who has won against Abbey please tell me how long they waited before the money was in there account? I had a letter confirming that they were going to pay up over two weeks ago. I sent everything back but nothing as yet. Thanks for any info, x
  5. Hi guys, I am so sorry I have not been around in ages. I have not been well and had to move back to my parents for a while, to be looked after, boo. So had no internet access. I am better now and back online. yay!! My claim has been carrying on too. The second hearing was supposed to be for the 1st of September, but I was not well enough, to travel up to Aberdeen (my parents live in Edinburgh) so they continued it and made the hearing date the 28th September. I then got a letter from Abbeys lawyers saying that I had not handed in proof of these Terms and Conditions I talk of ( complete lie
  6. hi guys, not dropped off the end of the world, just been v busy. Will come back tomorrow and update every one. x
  7. I said the letters could be made avalible if needed and I made sure that I tool them with me to the prelim hearing.
  8. ok, here is what i put in my claim The pursuer Kerry Finch, has held a bank account with the defendent since febuary 2005 the account no being ******. The defendent deducted from the account various amounts of money in penalty charges during the period July 2005 to May 2006. These were in respect of 'charges as notified' (levied if a cheque, direct debit or standing order payment was returned because the specific overdraft had been exceeded) The pursuer contends that these charges were legally unenforceable and the pursuer is demanding repayment of money. The defendent has refused full pa
  9. oh my goodness, thank you everyone for replying, so much info on here i am going to have to sit down and read it all properly. Not really taking it in just now. I am going to phone the in court advisor tomorrow and book an appointment to go see her. I too thought it was strange that the defendents wanted a list of the terms and conditions. i too now see it strange that the judge told me the next case will be for me to prove that these charges are penalty charges(that was the only thing she said) i am the one accusing them, surley they should be trying to prove me wrong. I think i will have loa
  10. ewan i am not sure about the terms and conditions, i am hoping a mod can clear this up a bit later on.
  11. i am definatly going to go see the in court advisor and email the gov website, to get as much info as poss. Feeling quite happy with myself as i can pull a lot of other things into proving that these charges are penalty charges, such as the amount of profit they make on charges etc
  12. Ok guys I am back. Here goes, And it was a local lawyer acting on behalf of Abbeys Lawyers I was in a court room, like you see on tv only smaller, everyone who had a small claim was sitting in the court room and there was a big high table where the judge sat ant the end with a table infront of it for the pursuer and the defendent to stand at either side. The judge seemed a little grumpy but I was relived to see that she was being very fair to the people before me so that made me feel a bit better. When my case was called I went up and stood on my side of the desk and the lawyer
  13. Thanks Robertxc, it is Aberdeen sheriff court, though its interesting that you are in dunfermline, I am moving there in a weeks time. Thanks for telling me that this is just to make sure everything is sorted, going to quickly prepare a mini brief for that and I am going to take all my other information just in case. Away to do that now and then bed. Will check back before I head to court, and then will post as soon as I am back. Thank you once again. x
  14. Think I might be... lol. Might be able to make things easier for people in Scotland if I win, or should I say when I win!!! 12 hours to go! Yay
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