GETTING MCOL RIGHT If you have a choice, it is always preferable to file using N1 at your local court. The two main disadvantages with MCOL are that your Particulars of Claim are limited to just 1080 characters with a maximum of 24 lines and you cannot attach the schedule of charges to your claim. Both these drawbacks can create problems later on. The banks use these limitations of MCOL to assert, with some justification, that the claim has not been fully particularised. Therefore I would strongly advise you to file at your local court. It will be transferred here eventually anyway. OFT TEST CASE: Following the announc

We obviously sound like dippy birds, and Rosie must get taken more seriously than we do. And BA is always popping up everywhere helping everyone out. But I would be very happy to get just one more BLOB!!

Hello Steve Before you start please have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later. Our aim is to make you aware of your rights as a consumer, enabling you to fight back against unlawful bank, credit and store card charges. In the website you will find information on how you could get your money back Then look at other threads in your bank’s forum, so as you know what you can expect to happen. You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of

hey there there are thousdands of us onthis site so your not alone ! you might need to send them one of the letters form this section of the site http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

Hi Flower, Lets get this sorted. It's exactly what was done to DH & I & ours was removed within 2 weeks. I think the defaults originate from our good friend Lesley ;-) One last attempt to turn the knife. 1st, don't deal with collections, they are an entity all to themselves & don't have a clue what to do with regard to anything other than taking debit card details, means statements etc. so cut them out of the loop completely. Phone cutomer services, just the normal YB call centre number & ask to be put through to Clydesdale Customer Services in Glasgow. Carefully note down who you're speaking to up there &

This is the thread, claimant is in Scotland and is setting up a London address... http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/73131-english-addresses-scottish-claimers.html?highlight=carlisle

Haliprats (Brill) do drag it out so you are in for the long haul. Good luck and keep us posted. NEVER GIVE UP

thereshope, have a look through these :http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html#post436526

my word, that is shocking.... a clear breach of the administration of justice act. did you do anything about this?

Make sure you go to your bank/bs and tell them about this! I think you'ld be better putting a permenant block on MBNA's DD or they will just come and take it and to hell with you, don't think will they/won't they coz they will! When I was having prob's with MBNA they actually 'phoned my work and asked to speak with my manager and then told him to call me to the office to speak with them! If they do steal £120 from your account don't forget the Direct Debit Guarentee Scheme, but it's best not relying on that as you may incur charges. Block it! The prior advise is spot on, wait 'til they sell it on. I got Wescot down to £10/

Our was a £200 credit limit as well and over £700 of charges. Our balance is at £0 now and we don't use the card. In our good will gesture they said they would credit the account but as we don't use the card I am hoping they will send a check (for the full amount though). most of the charges were added just one day before the payments to them cleared as well. so because the payment was just 1 day late, 'that will be £20 please' and oh that took you over your limit so thats another £20 please'. daylight robbery isn't it. Any way Good luck Minimaya Let's get back what we deserve.

Hi Duke If you need any help you are in very good hands with Bigmac You are also only round the corner from me so if you need help let me know , I`m only in Normanton , small world eh? Jules

you'll receive a copy of the defense and your'e aq in the post very soon. start reading up on the filling in - you can even download an aq to practice on - i'll send you the link for it - when i find it!!! Allocation Questionnaires - A guide to completion New strategy for Allocation Questionaires note particularly posts 2 and 3. post 3 - the bit in blue is the wording for section g of the aq (if it's a 149 or section h if it's a 150) that's telling them that you are asking for a draft direction and post 2 - the bit in blue is the actual draft direction which you put on a separate piece of paper - fill in the xxxxxxx's to your ow

Me too! Wotcha Bird!!!!

I will help you through the spreadsheet if you have a problem, use this one http://www.zen122856.zen.co.uk/CompoundSheet_v1.9.xls fill in the apr and click the box right of it. scroll down lhs bottom and click the long green tab click on charges and interest tab and fill in the charges (unpaid items,referral fees etc). Make sure you put the interest charges in every month since your first penalty, if there is no penalty that month just enter it in the interest column (not the penalty column). If you are not in the red when the interest is paid find a day in the month when you were then the interest on the penalties will kick in

HOW TO START YOUR OWN THREAD: You get more specific advice to your own case, and be able to keep a track of how it's going by viewing just one thread instead of skirting around lots of threads trying to find your posts and answers. 1/ Go here. http://www.consumeractiongroup.c o....group-against/ 2/ Find your Bank, click on the bold blue name of Bank 3/ Go to the bit that says "Forum tools" and click on it. 4/ Click Subscribe to Forum. It will ask you how often you want to recieve updates ( daily I found is best) 5/ Then it will redirect you once you've subscribed. 6/ then click on "Forum tools" again, and

Hi I made a help post earlier regarding my offer! The bank manager was very nice but kept going on about going over my overdraft limit. He rang me and repeated again about me going over my overdraft limit and offered me 50% £1,600. I have turned that down and have not heard anything else.. so its a waiting game now. I know from other people who have dealt with the Northern bank that they alway start with a low offer.. So waiting to see what happens now!! Cia

I recieved a letter this morning from Inga Kirkman at the Abbey in London saying that in the interest of Blah ! Blah ! Blah ! the Abbey have decided to settle my claim - - - Hold on its not that good. They are going to pay me £970 which was for a claim for £3,800 . Ms Kirkman has decided that she will just cross out the estimated charges of 5 yrs totaling £2,700 - I know estimated charges are difficult to reclaim as the burden of proof is on the claimant, and therefore there is little hope I would get that amount in court , but I hoped they may a least made me a bigger offer to settle. That Inga Kirkman is fast though !!!! - call me cyn

hello , i have not sent off a LBA as yet as im not sure how to word it , remember i only ever made one payment to them, total amount owed is £429, i`ve worked out that they need to deduct £216 and i will be left to paythem £213 , im very unsure on how to word the LBA , as it states i will take them to a court claiming the full amount , but i can`t really as i still owe them £213 .sorry but its not making any sense to me! can any one adivse further big headache ,

can't answer that question because no-one's ever lost yet!! and i don't suppose they ever will. for you to lose, they would have to join you in court - something that they are not prepared to do.

hi leyh, did the settlement letter they sent to you, there was probably a sentence to the effect that you would not claim again for the period they settled, so i think as you have signed the letter as full and final, you won't be able to take them to court over the same claim - which is what it is. try some more email addresses and see if you get a response - it's so annoying when they don't do what they're supposed to isn't it, but i think they're so snowed under with claims at the moment, they're dealing with the 'further down the line' court stuff. I hope you hear something very soon. emails are racheltomlinson@hsbc.com debb

There are Rejection letters in the bank templates library. Links below. Tell them to refund all of it or you will take action in the courts if neccesary. Uk

Hi yes you send all 3 N1 forms to the court along with 3 copies of your schedule of charges. the court will then stamp all 3 copies with the county court seal and return one copy to you along with a notice of service stating when the claim is demed served,one to the bank and one copy will be kept by the court regards paul

Automated Number Plate Recognition The 2 cameras provide an image to a computer that 'reads' the registration number and compares it with a database for stolen, untaxed, unMoT'd or simply 'of interest' vehicles.

Hi Setubal Welcome to the forum. Please read the faqs link at the bottom of thiss message. There is also a link there for the templates library, all of the letters are there in order. Please use them and stick to the times given between sending each out. I guess Y B is yorkshire Bank/ if so please start by reading some of the successes in here; http://www.consumeractiongroup.co.uk/forum/yorkshire-clydesdale-bank-successes/ Then start a thread, head it Setubal V Yorkshire bank, in here; http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=68

Fr33jack - i've got a corker of a reply for you. too late tonight, but rest assured, it'll get you on the road to recovery. Till the morning Perseus.

Oh God, my heart goes out to you all. Even more so, because I cannot advise on any sure-fire steps which you could take to remedy this situation. All I know is that you have to act quickly and make a lot of noise in your housing dept as your mum's house can be allocated to other HA tenant. In myopinion plead, write, call, buy flowers and chocolate, see your MP. Tell them that if your mum is not given her home back, she will only be back to the housing dept to present herself as homeless. Do not let them convince you that she would be found "intentionally homeless"- this is where the local authority claims that it was your mum's fault. D

Hello and Welcome Shazza. Take some time to read all the F.A.Q.s and step-by-step instructions. Have a look in Barclays Forum, read a few threads then start one yourself. Also look in the Barclays sub forum successes big list of Winners in there. Best wishes with your claim. Regards. Scott.

Hi, my heart bleeds for you. Like Karnevil, I was in this position too. Just to expand Karnevil's reply a little, the CCCS's details are below in full... ---------- Our FREEPHONE helpline is open from 8am to 8pm Monday to Friday If you want to write to us our mailing address is: Consumer Credit Counselling Service Wade House Merrion Centre Leeds LS2 8NG CCCS - Contact Us ---------- Once you have contacted them they will give you a unique reference number which you can quote to your creditors, at which point the

Here is the CCA request letter: http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html#post162367 Stop talking to creditors on the 'phone, from now on in writing only, and keep a papertrail. Get a big box with a strong clip from Wilkies (or wherever) and some folders, 1 for each creditor (you get the picture!). Send the CCA request to each creditor by recorded delivery and don't forget to include a chq/po for £1 for each one, build into the CCA template a request for an outstanding balance, amount paid, original balance. Post back with updates Regards, Dave.

ok, here's i would do: 1. ring the court and Tell them you wish to delay the deadline for the court bundle for one week to reach a resolution as you have received an offer and responded to it. They will probably ask for it in writing and then send a note to the court referencing your claim number - let them know you have received an offer and are in touch with DG and expect a resolution very soon and will write to them again when it has been received and ask them then to halt the claim at the point when the money has been received. 2. i'd give it one last ditch effort with this letter (you are saying they are about 100 short an

Hi mate, Only communication I had from Cetelem was the DPA SAR info, a cheeky feck off letter and 2 cheques once I served a decree on them. Mine too was passed on to Lowell who I managed to totally drop there annoying habit of chasing me for money. I had a very long thread of my battl ewith Cetelem and lowell but had to remove most of it as cetelem indicated to me they had been reading it. Heres whats left of my thread against Lowell... http://www.consumeractiongroup.co.uk/forum/legalities/42022-cca-non-comp-gargoil.html Best idea for dealing with people like Lowell is read as much as you can on this forum so that you can role a lot

PM it to me and I'll give it a once-over if you'd like.

S.A.R. all the original creditors, then claim the refund of charges from these accounts with contractual interest to get as much refund as possible. If the refund wipes out the debt you are laughing, if not it reduces it somewhat I have around 10/11 creditors and they will all be getting the same treatment and I have let them know this too! I think what got me really *issed was when barclays/1st credit threatened me with bankruptcy for a £1400 debt Even though the debt is now owned by the DCA, IF YOU PAID ANY/ALL MONIES TO THE ORIGINAL CREDITOR then stick the claim to them. Will post a few threads, am butting in on thi

you can record any of your telephone calls as long as you are one of the parties. As a private individual you do not have to say you are recording the call.You may not let anyone else listen to the recording without the other persons permission but you may write out a transcript. In my experience it is sometimes worth saying you are recording the call and asking them if they object as the service you then get is unbelievable and they can't do enough for you

Prob to avoid the ear bashings. lol

I addition to Harvest comment i had a second lot of statements from FD a week after the first and as i was out when the courier tried to deliver they went to my next door neighbours house and they signed for them. Bit of a security breach there i think. Especially as i had to do a 30 mile round trip to go to the courier's depot to pick the first lot up and i had to produce ID. Same courier company both times. Consistentcy doesn't seem to be around does it? Good luck TINHAT with your claim.

Welcome to the group "standingupformyself", The best way to get feedback on your specific claims is to start your own threads on each claim, by the way. The banks and CC's take varied amounts of time to reply. I am currently pursuing the same 2 companies as yourself - MBNA and Abbey. MBNA responded in time, but incorrectly, and Abbey failed to reply in time so I have sent an LBA (a Letter Before Action) today. If you search for my username, you will find these threads. The 40 days DOES include weekends. Get them sent by recorded post and give it 40 days from when they are recieved. You can check the recorded post recei

It's true - let them take as long as they want to investigate - you raise your claim in your own timetable...and they may realise that their investigation is a waste of time...they will be refunding you anyway...good luck.

Hi there Good to see you've joined the site. You'll get lots of helpful advice here. Keep us up to date with how things go. Louise x

Hi Tinhat To answer your questions. 1. The 40 days are from the date they received the letter (if you sent if special delivery or signed for you can count this from the day after you posted it. 2. I received my statements by courier within 7 days. 3 Weeks later I received them by courier (again). 3. You do have to sign for them (I don't think it can be someone else but might depend on the courier service). If you're out they'll leave instructions for you to collect them from the courier's depot or a mutually convenient time for them to re-deliver the parcel. I had to show ID to the courier that delivered my statements to p

If you are ready to file you can do it one of two ways: 1) Using an N1 form and dropping it in to your local county court, see here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/844-n1-claims-form-pdf.html for N1 with form filling or hear for a hard copy: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html 2) You may want to use MCOL (money claim online) see here: https://www.moneyclaim.gov.uk/csmco2/index.jsp You will need to add a POC or particulars of claim however if you use MCOL there is limited space so you will need to use this: http://www.consumeractiong

A complaint to: Information Commissioner's Office Wycliffe House Water Lane Wilmslow Cheshire SK9 5AF Remember to include copies of all correspondence with Barclaysharks. Also the letter in the templates library ought to focus their minds. All the best, Paul

They have paid up!!! I think I have got 7.75% contractual interest compounded. I claimed £4949.90 and they have paid in £4962. After all the complicated arguments about unauthorised contractual interest, I am not going to go back for more. I don't understand all the arguments and I'm not about to look a gift horse in the mouth. Please can a mod transfer this to the "I've WON!!" thread. DelightedDollyDayDream. :D

If you claimed the interest on your claim form, you should insist on it in settlement - the cheeky beggers are trying it on. Tell them you won't withdraw your claim untill you receive a full settlement.

hi brok i sent mine to pipers way, swindon. that was fine recieved statemens ok. go to FAQ and you will find all info you will need. there is also a thread with names and addresses. remember when you send make sure its by recorded, then you can go onto royal mail website and see if your letter has been delivered and the signature of who recieved it. good luck on getting back what is rightfully yours! if i have been of any help please add to my reputation points by clicking middle icon on bottom left side. thank you

No Wait until you receive the Notice of Acknowledgement (not the Notice of Issue) from the court and then send a copy of your schedule to the bank’s solicitors, since they are the ones who will now be dealing with your claim Dear Sir, (Your Name) -v- (Bank) Claim No: ******** Date Issued: xx/xx/xx Please find enclosed a copy of my schedule of charges relating to the above claim. Yours sincerely, PM a Mod with details

Hi Amanda If you have already replied to an offer and it was not suitable go ahead with your court action. AL:)

Good Luck Amanda. I sent my SAR letter on the 8th of Feb. so now I've just got to wait 40 days to see how much they owe me....I have no idea how much it is, but every penny back would be nice!!