Hi all Been a while since my claim got stayed by the courts but I believe I am now truly in Financial hardship. I have the relevant I&E form from Natwest and will be sending this back shortly. My original claim was for £6,728 + £3,276 interest. This was submitted to the courts in May 2007. I paid the court fee's, £250 from memory and then this was stayed. As I now need to claim for Financial Hardship should I re-calculate my claim for charges since May 2007? The original claim was for period 15/05/2001 to 14/06/2007 ie. 6 years. or do I need to start an entire new claim for period since? Finally I am having trouble tracking down a suitable letter that I can send to assist with my hardship claim. Does anyone have a good example of what works for a claim with Natwest? Cheers guys Chris

Hi all Been a while since my claim got stayed by the courts but I believe I am now truly in Financial Hardship. I have the relevant I&E form from Natwest and will be sending this back shortly. My original claim was for £6,728 + £3,276 Interest. This was submitted to the courts in May 2007. I paid the court fee's, £250 from memory and then this was stayed. As I now need to claim for Financial Hardship should I re-calculate my claim for charges since May 2007? The original claim was for period 15/05/2001 to 14/06/2007 ie. 6 years. or do I need to start an entire new claim for period since? Finally I am having trouble tracking down a suitable letter that I can send to assist with my hardship claim. Does anyone have a good example of what works for a claim with Natwest? Cheers guys Chris

Well I am not on benefits but sure meet the hardship bit right now! Is it worth trying? Really do need this money! Is there any chance we may not get the money back after the OFT case? Do we rick loosing the £350 in court fees I have already paid?

HELP HELP HELP! Guys has anything changed recently? Are any of the banks paying out or are we still on hold until they decide what to do? I have a large claim outstanding, £250 invested in court fees, £100 in the AQ and something has cropped up and I really need to setlle this claim! Please, please let me know if there is anything I can do to get this moving? Should I be ringing Natwest and houding them? Should I progress to get the stay lifted? Will this work? Thanks!

I will get cracking on the N244 now then! I got a bad feeling that it will be more money I am laying out to get nothing back! For reference it is at Luton County Court.

S**t! S**t! S**t! This morning I recieved a letter from the court saying : THE COURT OF ITS OWN INITIATIVE ORDERS THAT 1. The claim is stayed unitl 31st March 2008 with a view to awaiting the decision in the test case. Either party may apply at any time, by application on notice in accordance wiht CPR 23, to lift the stay. 2. If no such application is made, the court will give directions of it's own initiative on the expiry of the stay. Guys what do I do now! I really can't afford to wait until March for the money plus this has cost me £250 in court fees & £100 for the AQ so far! How shall I best proceed with applying to lift the stay and making sure it's the best chance I have? Has anyone suceeded? Is there anything I should be doing to force Cobbetts in to an offer? Really worried this has all been a big loss now! Cheers

Keeping all fingers and toes crossed! Any idea what the average time from filing AQ to getting a court date is? Is it likely to be a few months until the actual date?

Cobbetts have nothing to pay! They sure do! Over £8k to me! Thanks for the reply Steven. So your sure I have nothing to worry about? They seem to be standing their ground and defending this one! I juts wish they would stop mucking about and make me a dam offer!

I think I may have a problem! Can anyone advise on this? Yesterday I filed my AQ N150 at my local county court with my £100. I sent a copy of this along with my order of directions, schedule of charges etc to Cobbetts. In this mornings post I recieved a photocopy of their AQ N149 from Cobbetts and a letter saying 'We refer to the above and enclose a copy of our client's AQ, which has today been filed at court'. Why have they filed an AQ N149 and my Court sent me an AQ N150? Surely they should be the same. On Cobbetts one it says 'Do your agree that the Small Claims Track is the most suitable track for this claim?' and they have ticked yes! My claim is for £6,728 + £1,287 in interest. I was advised over £5k and it was Fast TRack not small claims? Should I be worried about this?

This morning I filed my AQ at my local court & paid my £100! Posted a copy by special delivery to out friends at Cobbetts! Fingers crossed now I either get an offer or a court date?

Hey Hedgey! Thanks for the response! Can you explian the above though! I have not asked for anything to be struck out! What does this mean / involve? Should I be doing this now? Cheers

Guys. I am due to return my AQ by the 30th! I think I have nearly completed it and will check it out aginst the posts on here first! However as I need to pay another £100 to the court with the AQ should I still be going ahead follwoing yesterdays news that all claims are going to be put on hold? Does anyone know anything about this? Am I likely not to get paid out now! Not good as I am £250 down in court fees!

Hey all! Just returned from my week away to recieve a defence from Cobbetts today! In the same post I have recived the notice that a defence has been filed from the court and an Allocation Questionaire that I need to return by 30th July 2007. A few questions : The defence states ' A fee of £100.00 is payable by the claimant on filing of their Allocation Questionaire'. Is this something I have to pay at the court when I take it in? Can I get it back? Is there anything special I need to look out for on the AQ or do I simply follow the instrustions on this site and take a copy of this and my schedule of charges in to the court? Do I need to send a copy of my AQ and Schedule of Charges to Cobbetts at this point? Thanks in advance! This claim is getting a bit daunting now!

Hey Jon Looks like your £9k claim beats mine! Well as my last post says I have just recieved the Acknowledgement of Service and this was dated 28th June 2007. Notice of Issue was 15th June so I would expect yours to be along shortly! Keep me posted. We may even get some good news together! Cheers Chris

Ok. So i have just got back from a lovely weeks break in Italy to find an Acknowledgement of Service letter dated 28th June 2007 from Cobbetts. This is my first letter from them. Do i need to do anything at this stage or just sit back and wait for the 15th July and see if they file a defence? Cheers