Hi audrey, my papers r filed in the court i got a reply sayin it was stayed, i then sent a mail to rachel howey and told her as a gesture of MY good will i would be willing to settle with a lesser amount but she says she had settled my acc and sent me a chq, i never rec'd the chq so she said she would cancel that one and send me another, low and behold that one never arrived either, i have no idea how to work out the interest, have tried several times and failed miserably but don't know wot else to do now, rachel howey said that it was finished with and she sent me a form to discontinue the court proceedings of course i didn't send it had i the opportunity i would have shuved it elsewhere

well here i am again and still no further forward, just over 2yrs later, i actually wrote to crap 1 and offered them MY gesture of good will with a lump sum payment, which they refused they said they had sent out a cheque for the remainder of what they thought they owed me after clearing my acc, about £3000 short but would cancel that cheque and send another providing i halted the court proceedings, low and behold there never was a cheque and i haven't stopped the court case, any ideas as wot to do next and some help in my bank charges would be brill as i really can't get my head round how to do them, i have tried several times and it never comes out so don't know how much they do actually owe me now cheers

yeah i know, it's bin over a year now since i started this and i'm gettin a bit fed up with it now but am not givin up as i'm sure crap one wishes i did, but have totally lost track of the interest they owe me now, one of the members very kindly started it for me, will they still owe me this interest from when i started, wot does anyone think?

all they said was that it was stayed pending the test case goin to court

hi guys, sorry i haven't been in for a while, got a bit dispondent just to update u i got another letter from the courts jsut before xmas to let me know the stay had been stayed but with the start of the court case yesterday i will be keepin an eye on things

ok this is wot the letter says Before district judge Dudley sitting at Southend County Court (address etc) And upon it appearing to the Court that this claim will be affected by the outcome of those proceedings: IT IS ORDERED THAT 1. This claim be stayed until determination of the proceedings in the High Court 2. Liberty to either party to apply on notice under CPR 23 to lift the stay 3.The hearing of any application to lift the stay be reserved to District Judge Dudley This Order was made of the court's own initiative pursuant to CPR Part 3.3(4). You may apply to set aside, vary or stay the Order, but such application must be made within 7 days of recieving it On an attached letter it says Dear Claimnant BANK CHARGES CASES you will find attached an order frome the Court in relation to your case. All cases have been stayed (all proceedings halted until the test case is determined). If you need to get in touch with the court about your case we would ask you to write in rather than telephone the court as this allows us to process the work more quickly Thank you for your cooperation etc etc

Hi there, i have just had a letter from the court in southend, i applied to have it moved to a court nearer me, the letter says nothin about whether it is bein moved but it says that things a basically stayed just now until the test case is resolved i would like to scan this letter and have someone who actually understands these letters, have a look at it as, it is like a foreign language to me, is there such a person out there lol, let me know and i will scan and send it to u, any help is muchly appreciated ty

thanks uk i just needed some words of encouragement wot court bundle is it ur talkin about

i was just wonderin if i should ring the court on monday and ask wot all this means and should i inform them that i stay in scotland and that travellin to southend would be to far even have the case brought nearer to me plz guys someone help me here

hi there guys, i really need some advice here, just heard from my daughter who is down visiting her father in law (it's his address i'm using for my claim) she opened a letter from the court and i have to attend on the 13th sept, i really didn't think it would go this far but can some one plz give me some advice as wot to do, now i'm really worried cheers

ok it's now over the date for the stay (of execution) lol i'd really appreciate someone telling me wot is supposed to happen now i haven't heard from cap 1 or the courts

hi there doo, that's typical lol, now just wait for the 'stay' letter, which reminds me, does anyone know wot hapens after the 'stay' has ended, mine is due to end on the 27th (thursday) will i have to go to court or what? haven't even had the aq yet

Hi there jradley, firstly, u'd be better starting a new thread of ur own, that way u will get more help, but no matter it's ok, anyway the exact same thing happened to me i got a 'this is our final offer letter' i stuck to my time scales and rejected their so called final offer, sent the lba, then made an mcol eventually they got the message, they r just tryin their luck, keep at them, also they always say that their charges are not unlawful that is only their opinion, on the other question about ur paid off acc, just do the same as ur other acc, get ur statements, add up the charges, work out the interest and send it to them in the same way, my smaller acc was paid off but i just did the same as my other acc it doesn't matter if it is paid off or not, if there is charges on it, claim them back. hope this is helpful

thanks for the quick reply stevo i'm not sure if i'm supposed to be claiming contractual or not or if the interest rate is correct my son just told me it's 29.80% or 29.08% but i have a few more charges to add to the sheet then i was gonna ask someone to have a look at it and see if i had done it right before sending the first letter with it and i will amend the date to the 30 days as well and thanks u've been a great help

Hi there, i am needing some help with the spreadsheet calculator, i have a thread in the normal forum but don't seem to be getting a reply and as i live in scotland thot i would try here, my simple question is this, when filing out the spreadsheet to calculate the costs and interest i am using the one WITH compounded interest, firstly is this the right one, and secondly, on the sheet it says judicial interest rate 8% does this stay in or do i take it out, and thirdly, wot does it mean by date of judgement or payment, any help would be great thanx