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Hello -update time -got a letter saying sorry but we arean't giving you your money back, as expected so its lba next .

In the step by step instruction it says you still wait 14 days after one of these letters before an lba -does anyone know why as after all they have replied now and surely i can move onto the next step. Has anyone out there gone ahead before the next 14 day deadline?

 

Yes i know i'm impatient !!!!! but i have other virtues -honest:)

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  • 2 weeks later...

hi -thanks mizz/tilly for that -i do appreciate you help and support.

 

Question. in my Lba i obviously add on the charges (i like to think of them as savings now) i have had since my prelim letter but do i have to stick to this figure when i money claim in a couple of weeks or can i add more if i get any more subsequent charges -

 

Tilly -did you splash out on that new car with your 'savings'

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you can keep adding any more charges to your claim up till you file it at court.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

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  • 2 weeks later...

well its all up in the air now isn't it !! september mountain biking in a california aint going to happen now-damm!! wonder how long this test case will take -bet they give the banks £12-00 for all fee like credit cards! -so that will be 12 of all charges and possibly re-submitting of all action????????????

Oh well i shall continue my action when the lba is up -about the 4th of august. I have been reading that the good money is on all action being stayed but you never know.

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Hi all -got a letter today from the Halifax saying that there was little point continuing action against them oft test case blah blah blah.. I am still going to file and i expect a stay but i have been reading up a bit about the waiver given by the fsa and oft and as far as i can make out, if your in financial trouble the waiver does not count. Now unfortunately i reckon i fit that part of the waiver -any views on this? Should i put something in my n1 to try and preempt a stay? I have read on other threads that you can sort of politely 'remind' judges of points of law just in case they 'forgotten' them

 

Any ideas on how to proceed ?????????????

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thanks tilly -(angel tilly) been reading up and some courts seem to be carring on as normal and if everyone keeps claiming it will cost the bnaks loads just to try and stay everyones claim so i can see that large smirk across they faces after the oft anouncement turning to a frown soon

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Is there any particular reason you are expecting a stay?

 

Most courts are still paying out, you could alway phone your court on monday to find out.

 

I cant see any reason not to continue with your claim.

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Even if it did, there is plenty of advice on what to do if you need it.;)

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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hi all, i know i have slowed down a bit, i have been reading the new particulars of claim on here. It seems very long -is that ok? Also my claim is exculsivly for charges for unpaid dd etc with no overdraft charges etc. So should i put the whole new poc on mine or try to amend it to reflect just bank charges .

Also I could not seem to get my charges all on one spreadsheet, so is it ok to have one with xx amount and another with xx amount and just say the two list add up to xxx etc. It now also says on here somewhere that not to use mcol. Can you still use the claim form (pdf file) print it of and then take it to the court??

Thanks for the help.

 

PS..theres a list of MP's written to about the cosy and unfair way the fsa, oft and banks have got into bed and decided to issue the wavier. Please give it a go!

http://www.consumeractiongroup.co.uk/forum/general/108984-list-all-mps-written.html

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hi all, i know i have slowed down a bit, i have been reading the new particulars of claim on here. It seems very long -is that ok? Also my claim is exculsivly for charges for unpaid dd etc with no overdraft charges etc. So should i put the whole new poc on mine or try to amend it to reflect just bank charges .

Also I could not seem to get my charges all on one spreadsheet, so is it ok to have one with xx amount and another with xx amount and just say the two list add up to xxx etc. It now also says on here somewhere that not to use mcol. Can you still use the claim form (pdf file) print it of and then take it to the court??

Thanks for the help.

 

PS..theres a list of MP's written to about the cosy and unfair way the fsa, oft and banks have got into bed and decided to issue the wavier. Please give it a go!

http://www.consumeractiongroup.co.uk/forum/general/108984-list-all-mps-written.html

 

 

Yeah, I was in same situ and used the template, but am saving bit about only claiming for unfair charges and unauthorized overdraft has no relevance to test case for application for removal of stay as my local court is applying blanket stays. Somebody prob be along soon with more (better ) advice.

http://www.consumeractiongroup.co.uk/forum/abbey-bank/107696-courts-carrying.html

 

take a look here, may help you some.

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Halifax Won £1180.00

NatWest Won £876.00

Halifax 2 N1 submitted 20/07/07 stayed 24/08/07 N244 Application filed 31/08/07 hearing set for 12/11/07 rescheduled for 29/01/2008. Application dismissed stay still in place.

Charity Group £200 compo for lost passport.

HM revenue & Customs; demand for WTC overpayment £632.12. Disputed, their error. Did not have to repay.

All opinions expressed are my own and have no legal standing and no connection to CAG

 

All errors/typos etc are not my fault the blame lies with the spelling gremlins

 

<<<<<< If any of this has been helpful, PLEASE click my scales

 

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