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    • We have finally managed to obtain the transcript of this case.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Paulawinter Vs Abbey - Preliminary Hearing! * SETTLED IN FULL *


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Hi

 

Have just received all my statements and adding them all up, but as I have a graduate account i'm not sure if i have been charged interest on all these charges. Can i just claim the basic charges without all the interest and stuff!?

Also, do i have to send a spreadsheet along with my preliminary letter of all the dates of charges or can i just make up my own table?

 

Thanks!

Paula

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Hi there. Not a silly question at all!

 

There is a very helpful excel in the library section which adds up the interest for you, so you should use this and claim the interest also.

 

I plan to print off the excel and send it with the letter - just as much ammunition as possible will help and hopefully stop Abbey trying to stall for more time.

 

Good luckl!

Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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The excel I have may be from somewhere else... It actually adds up the interest for you (and knows the date!) It's very clever!

 

If you give me your email address I can send it to you?

Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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I'm not actually sure about the interest on your account, but supsect this is normal practice. I think all we claim for is interest on the unlawful charges.

Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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No problem Paula. I'll email the one I have over to you.

 

It's shocking when you actually LOOK at the charges, isn't it!?

 

Let me know how you get on.

Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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  • 2 months later...

When did it have to be in by? You won't hear anything until after then.

;) nn

FAQs: click here: http://READ THESE

 

Any views or opinions expressed are in good faith, to the best of my ability. I don't like to admit it, but I have been known to be wrong. Check other threads and if in doubt, seek professional advice.

 

 

Abbey: SETTLED IN FULL:lol:

BoS M/card SETTLED 27/09:lol:

Aqua CC (Halifax) SETTLED 28/06 :lol:

GMAC Request for refund 14/6; Prelim 31/7; LBA 11/9

First National Mortgage Data Protection Act sent 14/6 Statements 26/7

Cap 1 - SETTLED IN FULL:lol:

Abbey x 2: 50% offer refused AQ filed

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  • 3 weeks later...

Thank you!

 

The letter says when the case will be heard and then says (I think this is what you mean by the order)

 

Claimant clarify case by filing and serving a statement setting out the charges disputed by reference to date and amount and by reference to bank statements.

 

30 mins has been allowed for the preliminary hearing

 

 

 

Thanks for any help!

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  • 4 weeks later...

Please Please can somebody help me?!??!

 

I am supposed to be going to court on the 14th of November and can't find anyone thats done this yet as there is so much on the forums to look through!! I have to take along all my statements and things, but is there going to be someone from Abbey there, and will i have to stand up and defend my claims? Please help!

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Paula. Don't fret. LOADS of us have been to court. Please search the forums for the stories.

 

Abbey ALWAYS say that they are intending to defend - this is absolutely normal procedure and nothing to be concerned about. Please have a proper look trhough all the longer Abbey threads. Look at mine for starters. Although I didn't appear incourt (only cos I was on holiday), my lawyer did. Abbey will only send a trainee solicitor, and the judge will set a date for proof. Abbey will cough up before then anyway.

 

DON'T panic! It aint like Judge Judy and the court is there to help YOU.

Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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Thank you!

 

I am just really worried about what I need to say to the judge!

 

Has anyone been in the same situation, where they're only been asked to bring in their spreadsheets and statements for a half hour hearing?

Thanks

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Hi Paula, if you can, have a look at a thread by whizzkid on the Abbey forum. its a very long read but absolutely brilliant! It actually describes what happened at a hearing.

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