yes sure can, its basically due to the number of posts ive made asking for help and helping other etc,

well, i can say that my income last year was only 15200 and the court gave me a full fee exemption so if you are around this figure you will be fine

Hi , its calculated upon your income level so you really need to fill in an EX160a form from the courts which is the form to be exempted from fees,i would call your local county court and ask them as you know how much income you have coming into your family . the court will tell you if you qualify for fee exemption and they will send you the form as well. you will need to produce proof of income for the court when you file your N1 and EX160a i hoe this helps paul

Cheers Barty, You are a star:)

Im moving house next week but im in the middle of taking lloyds to court. is there a form i need to fill in to tell the court of my new address or do i just write a letter to SC&m and the court. any advice would be great thanks paul

hi everyone, well today i recieved lloyds defence, it looks pretty standard 9 point defence, fees are not a penalty blah blah blah. i have til the 12 may to submit my allocation questionaire and am gonna use the draft order for directions etc i will update here again when i get any more info paul

Hi Ian, Glad to hear you not letting them get to ya:D , my other claims are going fine, lloyds and barclays are at the court stage the have filed a defence and the woolwich are 5 days away from the court forms being filed. cant wait to get my hands on the money though as the sods fight harder than balck horse did a weekend on the Pi$$ then? excellent, i wish i could but im at the college of law in guildford on sunday for a research day so no beer for me this weekend. hope you have a good weekend, paul

Hi Ian, dont let the b@$tards get you down, just plod on with the request to cap 1. as you know they are F&*KED if they cant supply it so nothing to worry about.the statements are only gonna be useful if you are reclaiming charges, however look on the bright side, at least you never had to send a tenner to get your statements:D regards paul

Hi ian, The thing to do in my opinion is to direct everything to crap 1 not fredricksons. i would send them a 1.00 cheque asking that they supply you the docs under the CCA 1974 s.77 or s.78 depending on what finance it is you had. if they fail to comply then after 12 days the are in default and the debt is un enforceable under the CCA. regards paul

Hi Ian hope the wedding went ok? i would send a CCA to capital 1 asking them to supply the credit agreement as they are the company who say they own the debt so they have to produce the goods good luck paul

hmmmmmmm should be interesting what they have to say when you ask for that back

Hi there, yep its exactley the same process as far as i am aware regards paul

Hi My parents are in a similar situation where they were mis sold a mortgage by a financial advisor who in my opinion was only selling them the endowment to make the most commision. still, have you spoken to the FSA ombudsman as they deal with complaints of mis selling endowments and will deal with it for you. my suggestion is initially contact the fsa and see what they have to say regards paul

Hi, i think it would probably be better asking this question in the "other institutions" section under mortgage companies . someone should be able to help you out i would think regards paul

Ok, basically the draft order for directions is sent to the court along with the allocation questionaire. the draft order if granted by the judge, orders the other side ( BANK) to disclose that the true cost of bouncing DDs and cheques etc which they wont do!! thats what they are about in a nutshell if you go here http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionnaires.html and here http://www.consumeractiongroup.co.uk/forum/lloyds-bank/78216-important-info-regarding-stays.html it should give you the info you need regards paul

Hi, i have checked my credit file and note that vodafone have placed a default on it. the problem is while i had an account i dont remember ever recieveing a default notice and in fact if my memory serves me correctly i settled the account and forgot all about it as i opened another account with orange (got a better deal) i want to get this removed but i see that vodafone are not governed by the CCA1974 from reading some of the other threads so i assume i cannot demand a copy of the default notice under the CCA?. can anyone tell me how to go about getting this default removed thanks paul

Hi Parkvale & steven4064 thanks for responding, steven, that was what i was looking for as basically i wanted to know if i could charge the contractual interest on the charges . i probably didnt make it that clear in my message looking back on it thanks for clarifying that and i will be asking for my charges plus the 29.8% interest as well regards paul

Hi Chica, i won against Black Horse without the need to take court action heres a link to my thread http://www.consumeractiongroup.co.uk/forum/other-institutions/57102-pt2537-black-horse-finance.html they basically didnt want to go to court and paid up after i sent them a LBA. i had to contact their call centre in cardiff to get my statements (they sent them free!!) and i called my local office and the manager contacted a bloke at head office who authorised payment.when i spoke to the manager at the local office in southampton he did say that due to the high volume of letters they are recieveing they dont get the chance to pay before people take them to court, he also said that they settled my account because i called them.i dont want to get your hopes up but you never know it may be worth giving them a call if you check through my thread it may be of help to you regards paul

dont worry, youre on the home straight now.from what i have read lloyds have started paying out atthe AQ stage in some claims although i dont want to get your hopes up you never know. one thing is for sure, as long as you have followed the proceedures laid out on this website you will get your money back im sure you will hear something soon good luck, regards paul

seems a fair and reasonable statement to me:D

any ideas anyone?

Hi spotted dog, i just wanted to correct you, the charges are unlawful not illegal.there is a distinct difference. didnt want to sound petty but it is important that we are clear on the point regards paul

Hi time4action, as i understand it , you should recieve a copy of their defence and an AQ ( although there have been some cases where the AQ has been dispensed with by the judge) when you get the AQ then check here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html and read this too http://www.consumeractiongroup.co.uk/forum/lloyds-bank/78216-important-info-regarding-stays.html. these links should give you all the info you need at the mo. just sit tight and wait for the defence from SC & M you may not need a court bundle as lloyds have settled some claims at the AQ stage however be prepared to submit your bundle when the court asks for it regards paul

hi PPMAN159, it was just a thought, as we have seen the banks fold at the last hurdle so why not take the opportunity to get an extra tenner. its gotta be worth a try at least. tenners better in my pocket than theirs after all regards paul

Hi amandaardley thanks for that but its the "removal of the default" part thats causing me probs, i was under the impression that as the woolwich refused to remove the default the placed on my account due to bank charges ( i asked them to take them out in the prelim and LBA ) i could include the removal of the default in with my court claim for the return of the bank charges. im not sure what to put on the N1 form for asking the court to consider forcing them to remove the default from my credit file as it was made up of unlawful charges i hope this makes more sense regards paul