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Sounds like the start of a blues track!!

 

(Dum dee dum dee dum)Oh I woke up this mornin' (dee dum dee dum) and decided to send our mr higley a letter (dee dum dee dum) OOOOOOOO, I woke up this mornin'.....

 

Sorry!

 

The letter looks fine. I don't know if it will make any differnece - it certainly shouldn't damage your claim.

 

Did your PoC mention the Tax Credits Act 2006? If not,make sure that it gets pride of place on your N244 if you send on in

 

Steven

 

If this post is helpful, please click the scales

 

Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site

 

 

LOL maybe I missed my callin ...... should have been a blues song writer.......hmmm maybe not ;)

 

well it's good to know I have'nt made a huge mess of things by sending it!

I seriously doubt it will do any good .... but ya never know ;)

 

I'll deffinatly be adding the tax credit act to the N244 (have a feeling I'll still be needing that)

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Waiting patiently for postie to come, typical today he's running late :)

Im expecting to recieve cobblers defence today hehe

 

still nothing in my in box from Mr higley (but I don't really expect to get a reply in all honesty)

 

 

so it's on with the waiting..........and waiting.....and waiting LOL

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Let the games begin!!!

 

Recieved coblers defence this morning, and also a request from them for more information CPR Part 18 to be recieved by the 26th june!

 

ok what is CPR 18? (i have seen it mentioned by others) Where do I find it? or do I wait till the courts request it from me?

 

I'm assuming that the courts will request this, But just wanna make sure!

 

I still as yet have had no reply to the e-mail I sent to mr higley on the 11th. so unless he get's back to me this afternoon I will download the N244 and fill that in. Trouble is I registered my claim on MCOL and cobbets state they have filed their deffence in the northampton court. So do I send the N244 there or do I take it to my local? I've heard nothing from the court itself as yet, so I'm not sure on this one.

 

 

and finally....... Lol all go here today!

 

also recieved this morning a letter from Mr higley dated 5th june (so not related to the mail I sent)

 

Standard natwest

thank you for your recent correspondence. I am sorry you have concerns regarding charges that have been applied to your accout blah blah blah

 

we explain all our term and conditions blah blah blah, we have provided many every day banking services to customers free of charge (not me you have'nt) blah blah blah.

for these reasons, we do not agree with the basis of your complaint. we believe that the charges we levey are for providing services and that they are not penalties or charges for default, blah, blah, transparent, blah blah fair, blah,blah,blah

 

(gotta love this next bit though LOL)

 

However, having reviewed your case and as a gesture of goodwill and without admission of liability or error, in this instance we are prepared to offer the amount of £3,005.00 paid direct to your account.

 

Any charges that properly accrue in the future will be applied to your account in line with our published tariff Blah, Blah, Blah.

 

 

I will of course be saying 2 words to natwest regarding that offer

 

 

Erm..... NO

 

LOL :grin:

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tempty its here

http://www.consumeractiongroup.co.uk/forum/natwest-bank/35672-cobbetts-cpr-18-request.html

but unless ur claim is not in small claims court then u dont have to provide it anyway .there is a letter to send off about that as well

additions direct-no CCA

marshall ward-no CCA

next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!

monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless

associates visa-no CCA

think there might be a pattern here!?:lol:

GE Money- won

barclaycard-- N1 put into court

capital one - won

NatWest- won

 

never lose sight of your goal!

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was just wondering... u said u claimed online with MCOL? if u are on tax credits u shouldnt have paid as u are exempt .but u have to do this personally at court to fill out forms.u wont have to pay for the AQ either

additions direct-no CCA

marshall ward-no CCA

next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!

monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless

associates visa-no CCA

think there might be a pattern here!?:lol:

GE Money- won

barclaycard-- N1 put into court

capital one - won

NatWest- won

 

never lose sight of your goal!

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Tempty, you can ignore Cobbetts defence completely. You dont have to even respond to it. You only respond to anything the courts request, not Cobbetts. You dont need to respond to CPR18 unless courts request it, and in your case, they shouldnt.

 

Wait till you get the defence from court. The one from Cobbetts at this stage is meaningless and you dont need to do anything with it, except file it carefully with your Nutwest stuff.

 

Wait for courts to send copy of Cobblers defence to you with further information. Just sit back and wait hun. Fendy xxxx

NATWEST BANK CLAIM - £16,100.00 WON

ABBEY BANK - £5500.00 WON

CAPITAL ONE VISA - £1800.00 WON

HUBBYS CAPITAL ONE VISA £2012.00 WON

TOTAL WON TO DATE: £25,400

*************************************************:D :D

NATWEST BANK -CLAIM 2 PRE 6 YEARS- ONGOING

ABBEY BANK -CLAIM 2 PRE 6 YEARS - ONGOING

YORKSHIRE BANK - AT SAR STATUS

HALIFAX CREDIT CARD - AT SAR STATUS

PLENTY MORE TO START LATER.

STRENGTH IS SOMETHING YOU CHOOSE IN LIFE, ITS A CONSCIOUS CHOICE YOU MAKE, YOU ARE NOT BORN WITH IT. YOU LEARN IT.:D :D

 

STRENGTH, YOURE NOT BORN WITH IT, YOU LEARN IT :confused:DUE TO WHAT LIFE DOES TO YOU. :)

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yea they do it to scare you like they did me! i was terrified of it til i found out i didnt have to answer their questions.....i have now but only in my court bundle ..

additions direct-no CCA

marshall ward-no CCA

next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!

monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless

associates visa-no CCA

think there might be a pattern here!?:lol:

GE Money- won

barclaycard-- N1 put into court

capital one - won

NatWest- won

 

never lose sight of your goal!

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was just wondering... u said u claimed online with MCOL? if u are on tax credits u shouldnt have paid as u are exempt .but u have to do this personally at court to fill out forms.u wont have to pay for the AQ either

 

 

yeah dumb huh! I paid £120 through MCOL because I did'nt realise I would exempt from charges!

 

at least I can claim that charge back if I win though!

 

Now I'm all confussed though, because it looks as though Northampton court are dealing with it, looks like I'm deffinatly going to need to apply for changes with the N244. I don't want to pay charges for that if I don't have to and really have no idea where to take it? or what else do I need to send with it if I have to send to northampton aggrrhh see what I mean!

now if Nut west had done their bit properly from the start, none of this would have happened !!!

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Tempty calm down. You will get notification through from your local court that your case has been transferred there. Just wait............. it takes a bit of time at the mo purely cos of all the claims in the system. It will be transferred locally. Just wait hun. And dont panic in the meantime. Theres really nothing to panic about. Honest............ deep breaths, count to ten, and wait............ Fendy xxx

NATWEST BANK CLAIM - £16,100.00 WON

ABBEY BANK - £5500.00 WON

CAPITAL ONE VISA - £1800.00 WON

HUBBYS CAPITAL ONE VISA £2012.00 WON

TOTAL WON TO DATE: £25,400

*************************************************:D :D

NATWEST BANK -CLAIM 2 PRE 6 YEARS- ONGOING

ABBEY BANK -CLAIM 2 PRE 6 YEARS - ONGOING

YORKSHIRE BANK - AT SAR STATUS

HALIFAX CREDIT CARD - AT SAR STATUS

PLENTY MORE TO START LATER.

STRENGTH IS SOMETHING YOU CHOOSE IN LIFE, ITS A CONSCIOUS CHOICE YOU MAKE, YOU ARE NOT BORN WITH IT. YOU LEARN IT.:D :D

 

STRENGTH, YOURE NOT BORN WITH IT, YOU LEARN IT :confused:DUE TO WHAT LIFE DOES TO YOU. :)

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seriously though, I guess I'll have to wait till I hear from the local court then to file the N244?

 

makes sense I guess. in the meantime I'll send cobbets my origional schedule and a copy of the new one, together with a copy of the mail I sent to higley. and a covering letter stateing my intention to file a N244!

 

that should do it for now i guess

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yea it seems to take ages once its filed at court....its a game of nerve! lol

additions direct-no CCA

marshall ward-no CCA

next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!

monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless

associates visa-no CCA

think there might be a pattern here!?:lol:

GE Money- won

barclaycard-- N1 put into court

capital one - won

NatWest- won

 

never lose sight of your goal!

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Lol doing alot of guessing there.

 

god I'm glad I don't have a web cam, if you lot could see me sitting here

 

Hmmmmm tapity tap tap on keyboard......... well?? tapity tap tap some more......... erm........ pmsl :D

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As soon as they defend it goes to your local court Norhtampton don't deal with you anymore. just send your copies then they are fore warned and have the info. Then it's back to the waiting game, not nice, but it has to be done, if you want the full amount which YOU DO!

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lol! it gets easier after a while of doing this...just look at fendy!!!!!!! lol

additions direct-no CCA

marshall ward-no CCA

next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!

monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless

associates visa-no CCA

think there might be a pattern here!?:lol:

GE Money- won

barclaycard-- N1 put into court

capital one - won

NatWest- won

 

never lose sight of your goal!

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Yeah, dumb dark blonde bint who knows nothing but is on the verge of a win. Lol Lol. Like I keep saying, seriously, IF I CAN DO IT, THEN ANYBODY CAN, cos I am so unlegal. Lol Lol Lol and no knowing of legal jargon nor speak. Lol xxx

NATWEST BANK CLAIM - £16,100.00 WON

ABBEY BANK - £5500.00 WON

CAPITAL ONE VISA - £1800.00 WON

HUBBYS CAPITAL ONE VISA £2012.00 WON

TOTAL WON TO DATE: £25,400

*************************************************:D :D

NATWEST BANK -CLAIM 2 PRE 6 YEARS- ONGOING

ABBEY BANK -CLAIM 2 PRE 6 YEARS - ONGOING

YORKSHIRE BANK - AT SAR STATUS

HALIFAX CREDIT CARD - AT SAR STATUS

PLENTY MORE TO START LATER.

STRENGTH IS SOMETHING YOU CHOOSE IN LIFE, ITS A CONSCIOUS CHOICE YOU MAKE, YOU ARE NOT BORN WITH IT. YOU LEARN IT.:D :D

 

STRENGTH, YOURE NOT BORN WITH IT, YOU LEARN IT :confused:DUE TO WHAT LIFE DOES TO YOU. :)

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Must admit, I'm finding it nreve racking, but it's kinda fun aswell :)

 

quite frankly the offer of £3000 was an insult! and yeah yer damn right I want the full amount. I might well have settled for £5000 if higely had come back to me though!

 

even though he's got a few hours left to respond, does'nt look he's going to.

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Yeah, dumb dark blonde bint who knows nothing but is on the verge of a win. Lol Lol. Like I keep saying, seriously, IF I CAN DO IT, THEN ANYBODY CAN, cos I am so unlegal. Lol Lol Lol and no knowing of legal jargon nor speak. Lol xxx

 

 

Lol fendy

 

light blonde dumb bint here :D

and I'm a total airhead when it comes to anything even remotly legal LOL

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He wont, trust me. It will go all the way to submitting court bundles or alternatively telephone conference like mine did. But its just a case of when, and not if Tempty. You will win, but hang in there hun. We will look after you and ensure you dont jump any guns nor do anything wrong. We will make sure you win hun. Guaranteed. Fend xxxx

NATWEST BANK CLAIM - £16,100.00 WON

ABBEY BANK - £5500.00 WON

CAPITAL ONE VISA - £1800.00 WON

HUBBYS CAPITAL ONE VISA £2012.00 WON

TOTAL WON TO DATE: £25,400

*************************************************:D :D

NATWEST BANK -CLAIM 2 PRE 6 YEARS- ONGOING

ABBEY BANK -CLAIM 2 PRE 6 YEARS - ONGOING

YORKSHIRE BANK - AT SAR STATUS

HALIFAX CREDIT CARD - AT SAR STATUS

PLENTY MORE TO START LATER.

STRENGTH IS SOMETHING YOU CHOOSE IN LIFE, ITS A CONSCIOUS CHOICE YOU MAKE, YOU ARE NOT BORN WITH IT. YOU LEARN IT.:D :D

 

STRENGTH, YOURE NOT BORN WITH IT, YOU LEARN IT :confused:DUE TO WHAT LIFE DOES TO YOU. :)

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Awww see now what would i do without you guy's :)

 

seriously though it's really good to know you're all behind me and that we can support each other:) and have fun doing it!!

 

opps sorry mods off topic

 

 

 

 

 

 

cobbets

 

 

there better LOL

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Right I better pull myself out of this chair and go fetch the little one (lol not so little! 10 and allomst as tall as me!) from school.

 

raining cat's an dog's here, he won't be a happy bunny if I'm late :)

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