fine, they will more than likely file the defence on the last day and include the rest of the money in it. sit tight and keep an eye on mcol

Hi Chris. Go to Moneyclaim stage now. It's your show.... Your timetable. Given the chance, the bank will take every opportunity to delay and distract you from your purpose. Don't let them sidetrack you.....stick to YOUR timetable. Have you already received the £40 or was it just a vague promise? If you have received it, then don't forget to deduct it from the total that you are claiming. Good luck with your claim.

I would send a short and sweet letter saying ..I do not accept your offer only a full unconditional offer of settlement will result in me withdrawing my claim .I am prepared to have an account review but not while this claim is ongoing .. stay in charge of your claim and do not let them dictate to you just remember it is them that do not want this to go into court . Take a read of my thread ( link in my signature )where they ended up making me 4 different offers to settle said numerous times it was their final offer and then panicked and sent a solicitors cheque out to me within 24 hours No problem about the PM but not replying is

try this-simple and to the point- Dear Sir/Madam xxxxxxxxxxxxxxxx I am writing to request a true copy of the signed agreement under the terms of the secs. 77(1) and 78(1) of the CCA 1974. I enclose the statutory maximum fee of £1 in the form of a postal order. Yours faithfully xxxx

I had this trouble & it was the number of lines that was causing the problem. Check that some of the sentences have not gone on to a new line unnecessarily.

You can change the figure right up to submitting your claim into court so when you start filling in your claim form just put all the charges to date ,sending the bank the revised schedule. You can even change the amount of your claim once submitted but this would cost you £35 ( not reclaimable) so we would not recommend this but to start again with the new charges.

Hello Jac, great to have you on board. open up a new thread in the shAbbey area for your claim if you would be so kind. all the best with your claim, and keep us all posted. Crusher (whilst you are waiting for your statements, take the time to read up as much as you can so you are very well prepared!)

I wasn't too sure where to post this but I hope as many people see it as possible. Like lots of you on here. perhaps I've been to hell and back with banks, debt collectors and all sorts of consumer related traumas and nightmares. I saw the programme early June I think it was re CAG and reclaiming bank charges...........I lurked on the forum for a bit wondering where to start and then I jumped in...more of a belly flop than a dive...lol....pensive but feeling quite secure that most of us on here are in the "same boat" ! I want to say a REALLY BIG THANK YOU to you all for your, support, help and inspiration and of course your friendship.

Just put 'charges as notified'

I would just send the normal LBA , so you made a mistake in your prelim forget that and just continue in the normal way just no mention of the interest .

Yes, It means that they will close the "Complaint" file as thou you are happy with their responce

If you want to claim the 8% interest then you DEFINITELY need that last bit in.

send the a LBA for non compliance ( letter in the libary )

Sarah, I have a feeling I am going to be in the same position when my battle with HSBC is over!! I was able to open a Flexaccount with Nationwide, but it has only let me have a cashcard with that, with no problems. As you say, all other banks seem to umm and ahhh and in the end don't let you have a full account, or at least so I've found!! As regards your online shopping, I have recently got myself a pre-pay mastercard, I know you have to put money on it first, and it takes a day or two to be added onto your card, but I have already found it to be a great help when, as you say, doing online shopping or even down at Tesco!! Apparently you

Or you might want to have a good look at the possibilities of claiming it all in 1 go... If the case were to go fast-track, yes, there is a risk of costs should you lose, but there is also standard disclosure... What it means is that you could demand that the banks justify their charges... So far, faced with that, they have settled really REALLY fast when their bluff was called... But there is always a risk, albeit a fairly small one, of course...

For those that have looked at their statements and may be wondering, what can i claim for?, and why are the descriptions confusing?, what about the overdraft interest is that claimable aswell? wonder no more. you can claim for anything which is deemed a penalty charge, which includes: returned direct debits, card mis-use, unpaid standing order, unpaid item, exceeding your overdraft, overdraft interest (see below), total charges (see below) notifed fees Unauthorised overdraft arrangement fees (more will be added as and when confirmation is found) you can not claim for: ATM (cash machine) usage (typica

Hayley, the letter you want is in the Bank Templates Library. It is the DPA SARS letter (Data Protection Act Subject Access Request. Click on the link.... http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-data-protection-act-subject.html Read the notes that follow the letter template. Take it into your branch, addressed...... Barclays Bank PLC Leicester LE87 2BB. It will be there the following day. Leicester will then send it to the DPA dept...... they act as a postal clearing house for Barclays. Good Luck. Don't forget to start your own thread.

good luck with it all, if you need anyhelp then we're all here and theres loads of helpfull stuff in the faqs.

It doesn't 'cost' the mortgage company anything. Don't confuse 'not making as much profit' with 'suffering a loss'. the two things are entirely different. You can only use the law to recover a 'liquidated loss', which means that if they charge you £5K to get out of your mortgage, they would have to demonstrate that it has actually cost them that to do it.