Cool! Eeesh, just looked up my court fee £85

Same with mine dude, just keep bombarding them with letters!

Just to clarify Enron, as i'm still a n00b. Is the draft order something the claimant has to provide at a full hearing, in support of their case? So in this case the draft order would be for Citicards to provide a full breakdown of their costings within 14 days. Is that how it works? Wendy - Just noticed at the top of the Citicards forum, there is a sticky with the latest POC in it, have a look at that.

I thiink it's important to keep perspective. If you win, you have everything to gain, if you lose, you lose your court fee. The only thing that is making me apprehensive is the possibility of having solicitor fees charged against me, which, granted is going to be a rarity but it's scary either way. I don't want to come out the other side of this scoulded.

It's a pretty straightforward approach to Capital One. I would do the following (using templates in the Bank Templates forum): Send the SAR request. As Martin says, they're obliged to provide them within 40 days. At the same time; Send a CCA request to them, it's doubtful they can even provide you with an enforceable agreement, but you never know. Once you've got your statements, send the Preliminary Approach for Repayment letter. They'll tell you their charges are fair; Send the Letter before action letter, they'll offer you a reduced amount, reject this and then; File an N1 Court Form, they'll pay up soon after.

Will do when i get to that stage mate! Thanks

Not yet, couple of days though. Truth be told, i'm getting stressed about it, hearing about recent court appearances

Sorry to hear you had a rough time with Citi. What happened at the 'hearing' you went to? You can PM me if it's more suitable.

It's a standard template for Credit Card claims Wendy, just go through the rest of it and ensure it's all correct and contains relevant information. Andy

Don't get nervous, get even! Plenty of advice for you to ensure you'll get what you want!

It might also be worth going through the statements and adding up all your charges to date. As you've mentioned that you've got loads of late charges on your account i'm willing to bet it's them that owe you money, not the other way around!

Lol oh well! Are you not going to cancel your claim now you know they're not paying out anymore

Tenner says they lose it/don't recieve it!

Yeah i did have a look-see at that, it isn't up to date though, and scanning through it, it now seems that the general consensous is that all cases are now being stayed, at pretty much all courts. I've got other things relating to my case other than money, a default, that i want gone, so i'd rather speed things along than be kept in the dark. Though given they've decided not to pay out anymore, i might not bother

Will you end up court following the FOS route? I'd rather go myself, so i can bounce their solictor's head off the damned table for their ever growing smugness (figuratively speaking obviously!)

I think a District Judge will be the 'Judge' of that

That is a good point, i could well file it somewhere else. FOS is a good route, but to be honest if it's faster, i don't really care about the court fee. I have access to quite a few courts really, might be worth finding somewhere else to file. Do you think it's worth contacting my local county court to question them about stays on credit card claims, or is it a case of the District Judge making the final decision every time?

Ah forgot you're going for removal of adverse CRA data too. I think judging by what they've said, they're pretty much ready to settle to your terms. The only time they moved to remove the default for me, was when i emailed them direct. Almost as if they were like 'oh crap, he's going to bombard us with emails now'. That may be the best course of action considering they have already paid out everything else. Im not sure how it would look if it got to court and you wouldn't settle because of some adverse markers, i think a default is more substantial than late markers. Though i might be wrong. Andy

Have you decided not to go FOS route Wendy? I haven't filed yet and am concerned that my local court is going to whack a stay on the claim (they did this with Crap One). Whats the difference between normal and FOS?

Ok dude! You'll no doubt get the same kind of reply i did then, watered down as 'get lost' though embelished with 2 pages of legal waffle.

Excellent work mate!

Depends on the wording of the letter. If they state full and final settlement, then reject it otherwise it's game over. I think there's a template rejection letter, if not let me know and i'll post mine up for you. If there is still an existing balance i would recommend they just agree to completely wipe what debt is on there, as it's going to be all be made up of charges and interest. Essentially if the account is nothing but charges, you will get it all back after filing in court, but i imagine it's far simpler to allow Crap One to pay it straight into your account, rather than issue a cheque. However, they will need to reimburse you £45 court fee.

Good luck mate - as Wendy says, it's relatively plain sailing. Just stick to your plan and they'll give up once you've filed in court.

Hmmm someone else might need to confirm, if the account is closed they are not obligated to comply fully, if at all. If it's been DCA'd the account may be closed.

In light of my recent victory, both my brothers are now starting the process against Capital One, amongst others! S.A.R - (Subject Access Request) sent today