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I am just about to send off for my statements and am reading through the forum so I thought I would stop and say many congratualtions. Congratulations! G

Yeah many congrats!

Hello! I have sent of my bundle and it got there on time. I have not received anything from Barclays yet and all documents were supposed to be exchanged by the 18th October. Can i use this to my advantage have Barclays balls up? cheers G

*bump*

*BUMP* But its too late now they are in the post!

Have just been reading the templates In the templates folder you have set up a template for filling out MCOL, In this you have given the advice below. The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. When I started my claim there was a different template so I have included the sections of each eg UCTCCR 1999 para.8 sch.2 (1)(e) which says "The contract shall continue to bind the parties if it is capable of continuing in existence without the unfair term" Does this have any relevance to my case? it has suddenly gone tits up for me help!

Well I have to post my bundles by tomorrow morning I have found 2 small red binders that are way to small for 160 pages or I have 2 crappy looking card board folders. I think its blue peter time. G ps if I cant mange to make a binder out of these tey are just going to have to go as they are...

OK cheers for the input, will be bagging all docs up later tonight and posting them tuesday morning. All paper work is loose (no binder or anything) and am posting in a jiffy bag, Do you think this will be ok? Cheers Grum

Hello! I have to send my court bundle off by Wednesday and have been looking about to check that the basic CAG bundle that bookworm kindly created is complete. Below is part of what Jonni2bad sent with his bundle Acknowledgment of Service Notification of Defence Filed by HBOS copy of Allocation Questionnaire Allocation Questionnaire Court Document: Notification of Allocation and Hearing Do I need to add these documents to the CAG bundle or can I leave them out? As always help greatly appreciated! I reckon I know the answer! Wheres a bloody photcopier when you need one!!! G

THE AUTHOR HIMSELF! Yes I guess you would. Good job Bookworm! Cheers! Grim

Just a little update for ya Have gathered all stuff needed for court. Used the court bundle from the templates library Have included:- All correspondance Latest Schudule fo charges Statements Relevant case law summary Early day motion from the house of parliament Dunlop versus New garage UTCCR 1999 UCTA 1977 SOGA 1982 OFT statement summary A grand total of about 160 pages Anyone have anything else I could add? Cheers! Grim

Yep I'll have some of that too!

Yep thats VERY handy! Have tweaked it all ready Cheers!

Well done ace My claim was for £2400 (about the same as yours) but has since risen to £3084 after fees + interest and I have my hearing on november 15. I am not the sharpest tool in the box and I am not worried at all! Good luck! Dont worry its gonna be ok!

Hi omollmeg I am at the same stage as you and have my court date set for the 15 november. Just wondering what you have sent to the court? eg unfair terms 1999/1977 oft report I can smell my money coming home can you!

Just been gathering all my stuff together and came across this letter which is stapled to the back of my Notice of allocation, It is saying that my case will be grouped together with other cases! Just seeing if others have had this? NOTICE TO ALL PARTIES THIS COURT OPERATES A POLICY OF BLOCK LISTING FOR SMALL CLAIMS HEARINGS IN THE INTERESTS OFCUTTING DOWN WAITING TIMES FOR THE ALLOCATION OF HEARING DATES AND IN MAXIMISING THE USE OF DISTRICT JUDGES SITTING TIMES. THIS MEANS THAT YOUR CASE HAS BEEN LISTED AT THE SAME TIME AS A NUMBER OF OTHER CASES. IT IS IMPORTANT THAT YOU AND YOUR WITNESSESS (IF ANY) ATTEND AT THE TIME INDICATED IN ORDER TO AVOID YOUR CASE BEING DEALT WITH IN YOUR ABSENSE. THERE WILL NORMALLY BE TWO DISTRICT JUDGES SITTING. ALTHOUGH THIS SYSTEM MEANS THAT YOUR CASE MAY NOT BE HEARD AS PROPTLY AS YOU WOULD LIKE, THE BENEFIT TO ALL PARTIES IS THAT THE CASES WILL BE HEARD A FEW WEEKS EARLIER THAN WOULD OTHERWISE BE POSSIBLE. ON ARRIVAL AT THE COURT OFFICE, PLEASE OBTAIN AN INFORMATION SHEET FROM THE SMALL TABLE IN THE WAITING AREA..... You dont need to know the rest unless you want to grab a coffee from my local court...

Yep thats right! You will also have to pay a extra £50 (or about that) Good luck! G

Just a little update Court date is the 15 November! Just need to get my hands on a few more bits of evidence and send it in by the 18 October. Good luck G ps No mention about standard disclosure???

This is the link to his thread http://www.consumeractiongroup.co.uk/forum/halifax-bank/3962-jonni2bad-halifax-off-court.html

Nice 1 thanks! Have also emailed My KJ with a list of my charges as he said in the first line of his defence that he puts me to strict proof about them but have decided to send him a letter with the charges in print also just to be sure. Good luck Grim

Hello everyone I am not a newbie to this as i am in the middle of a claim with barclays and will be getting my court date any day now (NICE!) But With First Direct I have a problem as I closed my account with them after they began charging me overdraft charges and its began to grow and grow untill I finally managed to pay it off. But when I ring them to try to get my account number and ask if I can have a list of all my charges they refuse as cant remember any of my security answers. What am i supposed to do??? Grim

All the answers or in the FAQ. Good Luck!

Hello just wait untill the 40 days is up, If you have not recieved them by then look in the forum as I have sen the answer somewhere. Also you said "I sent my request for charges on 17 July 2006 " you mean statements right? Good luck G

Hello I didnt send a schedule of charges with my AQ but I did email KJ a copy. Good luck G