Just phoned court. No defence received however they have requested my claim be struck out (they wouldn't tell me why). Help desk has said that it will be put before a judge who will decide if there is to be a hearing. Any advice as to where I go from here.. any advice gratefully recieved

The name on the letters received last year was always Kirstie Ross, she wasn't present at the last hearing (to decide whether adjournment should be lifted and allow me to submit new POC). If you think its worth applying for summary judgement now I'll look into it. I'll phone the court soon as I get 5 mins and find out how to. Thanks for looking in, much appreciated.

Yep not long now. YB should have submitted their defence within two weeks of me submitting my amended POC (which was quite a while ago) they haven't, in fact no contact at all from them, will point this out to the court

Hi Caro, Have just been on to the Court. 30 mins have been allocated, no defence received as yet. Will keep checking. Have quite a good handle on this, but would appreciate running through things if there is anyone who can help? Cheers

Hi Caro, it doesn't say anything about time allocated at all, entire letter produced verbatim apart from dates, court name etc, when I called the court they said it was very confusing on their system and she would have to go through to the Civil section and get clarification. Have to ring back on monday. Will let you know as soon as I hear.

Hi Caro, thanks for the advice. No Defence has been received by the court as of today. The letter states: TAKE NOTICE that the Hearing will take place on DATE******** TIME ****** at (Name and address of court) When you should attend. Please Note: This case may be released to another judge, possibly at a different court. And thats it.

Hi Caro, Yes this is for Bank Charges Only. Amended POC submitted last year, have had no defence from YB, should I contact them? Hearing is around 6 weeks away.

Well, the wheels have finally started turning.....I have a court date, I believe I have a case, if any one would like to wade in with any advice re: the current situation, i would be very grateful!!

Just a quick note to say still no news, I've rung the court and they are chasing it up.....the wheels are grinding very slow indeed!!!

Quick update. Judge allowed an adjournment and for me to re-submit my POC. Onwards and upwards

Hi Ho Quick update, after 3 years I am finally allowed to have my say in front of the Judge. I'm in Court tomorrow to request that I am allowed to Submit new POC, not heard a thing from YB but suspecting an ambush Will update as soon as I am out, keep your fingers crossed.

....just got a letter back from the court, they have allocated time for a hearing to decide whether I am able to submit amended POC at the end of June. Thanks for the link teaboy2, i'll have a look

Now I find after checking my credit report that I have to accounts on the report. one showing a default, one showing satisfactory, both for the same amount, both for the same account!!! Phoned Eperian and they have advised me to take it up with the bank....this is going to be a fun phone call!!!!

Heard from the court that they have transferred my case to another court, looks like I may get to put my case to the Judge Will update as soon as I get more info

Hi all, Had a long hard think about this, lots of positive news and info on the site, so I have decided that I am going to request that the court lifts the stay, and that I am allowed to argue my case properly. Looking back through all the correspondence I have had has stirred me up quite a lot, certainly not going to lie down and take this, there is no way that these institutions should be able to get away with this!! Fingers crossed!!