Me V Them

[lori1]

hi scotlady, yes thats right send off the LBA now, i sent mine to northampton and i got the standard fob off letter, so i think that is where you should send it. best of luck

[lori1]

hi scotlady, you can add on the new charges into your LBA, stating that you have added recent charges, the maddening thing about this is none of the depts actually work together, the left hand doesnt know what the right ones doing!!!!!!!!! each letter you send gets sent off to different departments, so it should be fine to add these on.

hope this has helped. x

[lori1]

http://www.consumeractiongroup.co.uk/forum/guidance-notes/731-case-guidance-notes-making.html

this should give you an idea of how to prepare for court, when you send off your lba you give them 14 days to respond favourably or you will begin court action, stick to this tried and tested method and try to read about others who are a bit ahead of you with their claim. You are not being a bit slow! it takes a bit of getting your head round, by all means begin to prepare for court as nw will not pay up until you file a claim aginst them but you have to allow them 14 days to reply, if i can i will answer any Qs you have but post any qs someone will come along and answer them for you.

I am sorry to hear you are unwell, try not to get too stressed when dealing with the banks its not worth it! ( i am a student nurse, so please listen)

lorraine x

[lori1]

WELL DONE !!!!!!!!!!!!!

[lori1]

hi scotlady i sent my lba to 1st floor electra house and they got it so i would go ahead and send it there. x

[lori1]

hi scotlady, you can claim 8% interest which is applied at the court, you can also claim contractual interest, i havent as i have found it way too complicated, i didnt put the interest on at the lba stage, i just put the total amount of charges on lba, but also stated that if it went to court i would be seeking charges, interest and costs.

hope this helps. x:)

[lori1]

hi scotlady, well i did not allow for weekends but thats not to say i was right, i got the standard fob off letter within the 14 days ,i filed my claim yesterday with mcol and it was issued today, they have 14 days to reply so i am too anxiuosly waiting, some people have advised that you only carry out one claim at a time so the bank cannot claim that you are wasting the courts time by being on the wrong track as it could then be thrown out, i am unsure as your claim is for two seperate accounts if this would be the case i will however try and find out for you. best of luck .x

[lori1]

good luck scotlady, the fourteen days is calender days so you do not have to allow for weekends, good luck x

[lori1]

yes we now officially have an mcol queue!!!!!!!and i think i am at the front:p ,good luck to everyone i'm sure we will all have our money soon.x:D

[lori1]

i'm not sure what you mean scotlady? they have 14 days to state if they are going to defend, which in my case they did, they now have 28 days to respond, you will see it change to acknowledged, thats where mine is at just now, have a read of my thread, deller explained it to me, hope this makes it clearer.x

[lori1]

hi scotlady, hopefully you wont have to wait for the AQ, keep checking your account and i hope you don't have to wait too long for your money, best of luck, thnx for your postxx good luck!!x

[lori1]

just keep checking your bank account....i heard nothing from them other than the acknowledgment of service. try not to worry you should get it soon, best of luck x

[lori1]

congratulations scotlady

 

hope you dont have to wait to much longer for the rest well done, i told you, you could do it !! xxxx

 

lori

[lori1]

lol, runnycustard, you will be fine, you are certainly on the the right track , any problems post in your own thread and someone will come along and help you best of luck x