Oh, I fantasise about the end of this thread all the time. It usually involves bankers in jail and PW living happily ever after

Firewall? Tell me more please. Thanks for the offer.

Newmans are idiots IMO - I would just deal with Amex if I were you. Newmans will get sick of you pretty quickly and pass you on to other DCAs further down the food chain (if it's possible to go further down... perhaps just sideways would be a better term?) so they're not worth bothering with at all in my view Dear oh dear. Poor Amex. They know full well that their DNs are defective and instead of putting them right (a tantamount admission that their old style DNs were useless) they go for a half-way fudge that keeps them in as big a hole but they're hoping they can hoodwink more customers and, more importantly, county court Judges. I get the very distinct impression that Amex's web of lies is going to entrap them very, very soon. Defective DN, unlawful termination = they can only sue for any arrears. Defend on defective DN, unlawful rescission of contract and insist on them producing the ORIGINAL contract. They will use Brachers or some other useless firm of solicitors to begin with, then pull a fast one right before court with a change of solicitors to Mischon de Raya who's tactics will be to serve multiple skeleton arguments upon you and a huge bill of costs. All intimidatory tactics. Against CPR and solicitors / barristers codes of conduct. So prepare your complaints to the Judge and regulatory bodies ahead of time. Their latest tactic is to, how shall I put this, 'recreate' your 'original' contract so when you get to court stage I'd consider employing an Expert Witness to examine the "original" for you. Read a thread called Shakespeare62 - v - a NastyBank - page 22 onwards is particularly interesting. http://www.consumeractiongroup.co.uk/forum/legal-issues/191784-shakespeare62-nastybank.html You need to prepare for a nasty fight, but it is one you should ultimately win looking at the documents you have posted above. Here's a free tip for any Amex/MdR people looking in. You might have enough money to dig a big hole, a very very big hole but there is going to come a point when you're going to have to stop digging and consider getting out of said hole. The deeper you dig this hole, the harder it's going to be to extricate yourself from it!

No, but at least it's a change from DCA baiting and OC bashing isn't it?

I meant actually going to the match, not watching on telly. I do like your idea though!

You know, I don't even know BB except from her postings on here and I am sure my heart skipped a beat when I read she had awoken and was moving in the right direction. Fab news!

I just told her that and she mentioned some type of glass that keeps it cool in the summer and warm in the winter... must be magic glass if you ask me.

LOL - I guess I'd have to stick to 5-a-side wouldn't I?

Thanks everyone. @FG: There are some nice ones I see from time to time in the area. I just might have to go and introduce myself. (This could be my first steps towards a new career of being a door-step caller. Just need to find a Doc who can take my brain out and I'll be good to go.)

I don't think I could watch Man U for a few weeks - perhaps a few minutes. Anyway, I can't be a Man U fan as I am not from London. Thanks PriorityOne. What scams do I have to look out for when talking to the ever so friendly and honest looking salesmen?

Just seen this and am very sorry to hear babybear is not well. I hope she is back soon to read all of the good wishes in this thread. Get well soon BB x

It would appear that I need to buy a conservatory according to the other half should I wish to consider attending football matches in the future. I know next to nothing at all about them but I thought CAGgers would be able to tell me what to look out for when I am getting quotes. All I do know (and this is probably wrong) is that there are 2 types. A traditional type (?) and a lean-to type. So, come on fellow CAGgers - I need a 3x4m glass thing to stick to the side of the house. Enlighten me please.

Surely that would mean sacrificing the lady barrister's career. A high price for her to pay.

I know it's probably wrong, but I laughed when I read that!

I echo what Slick says. I do hope the bank AND Cobbetts get what's coming to them. I don't know anything other than what I have read in this thread (and sparkie's), but to me it looks as though the bank and their poodle solicitors have been as bad as each other. Keep up the good fight Paul.

Mind your Ps and Qs Banker

Just a little update. I was not at home over the holidays and have just opened my pile of mail today. Here's what I have received. 18th Dec 2009: CapQuest Debt Recovery telling me that CapQuest Investments Limited have bought the Sainsbury's debt and instructed CapQuest Debt Recovery to collect. I had to make contact by 31st Dec 2008 or else they will instruct - 4th Jan 2010: HL Legal Solicitors telling me that have been appointed by CapQuest because I have not replied to their letter dated 17th Dec 2009 and if I don't reply to them by 14th Jan 2010 then they may issue court proceedings. 4th Jan 2010: Letter form the bank confirming they have refunded LATE PAYMENTS fees and INTEREST (as they have previously stated, but not proven) and enclosed a statement of account dated Dec 2009. They will be writing to me in the near future with the bank's proposals to settle my claim. You could not make this up could you? If I was a new cagger, I might get worried and/or confused by this. Stupid lot!!!!

Hi Del. Sorry I did not spot this earlier. Welcome to CAG. I am in the same situation as you with Sainsburys although I am a little further on then you are. They told me I requested the PPI on the phone so I asked them to produce a copy of the call recording or a transcript of the call. Even if they could produce one or the other, there is no way the script their call centre staff would have been given to use would have been sufficient to ensure the insurance was right for me. Therefore, I suggest the insurance was mis-sold in any event. They will push you all the way to court on this if they follow the same pattern as in my case. So you need to be prepared for this eventuality. Do you have any charges on the account to reclaim as well? Can you scan and post a copy of the app form they sent to you to photobucket (for example) after you remove any personally identifying information.

So should they be using it against S62 in his case?

CPR 27.14(2)(g) would seem to be very appropriate in this case DB.

I am sure you know Dave, but you can apply for costs under CPR 27.14(2)(g) if they play the brinkmanship game and settle at the Court door. Best wishes for Christmas and the New Year to you and yours.

That County Court case reads like a right stitch up. I hope the defendant is or has appealed.

Well done so far S62 - more ammo to fire at Amex when the hearing date comes around for real.

Good luck today.

Hi shakespeare and foolishgirl. I did not know about the case linked to before my hearing. It is possible that things may have turned out differently if I had. However, there is not much to appeal as the costs I did manage to recover was by agreement between the bank and myself. The DJ did not rule, he just "rubber stamped" the agreement we had come to. Anyway, thanks for the link. More ammo for the arsenal for future cases.