well done fight the good fight!!

shhhhhhhhhhhhhhhhhhh im still doing my forms pmsl no im not really yeah go for it ive got a sense of humour, somewhere, lol i am not ashamed that sometimes i cant think straight pmsl no probs

pmsl rofl im still laughing too be quiet im concentrating on my 2 PAGES i got to fill in

just a bit of light entertainment i messaged mechs to help me on something and after my brain got into gear hear is the message: omg there is another page how stupid do i feel pmsl never mind my mind is boggled, thinking of this and thinking of what to take on hols getting everything done before i go pmsl im so sorry my avatar still stands pmsl rofl thanks again mechs

OK I SURRENDER I ADMIT I DIDNT NOTICE THERE WAS ANOTHER PAGE PMSL IM FILLING IT IN AS I TYPE THIS LOL THANKS MECHS NICE TO THROW A BIT OF LAUGHTER ALBEIT AT MY EXPENSE PMSL

pmsl!!!!

hi mechs thanks just read your thread but how do ya fit it all in the little space they give you for brief details of claim? lol

ok just one incy wincy tincy teeny weeney question ive looked at the claim forms on here and the court website which one is it N1 or N1 (CC)??? the one on this website, ive filled in my details and particulars etc but when i go and print it off its missing the bottom two paragraphs, so I thought i would write them by hand, so i printed it off but now there doesnt seem to be room to write my brief details of claim hope someone can help me please would like to get the process of court action before i go on me hols many thanks

woohoo I AM GOING TO COURT TODAY NO MORE DOUBTS I AM CONFIDENT just received a letter from halifax dated 19th June 2006 offering wait for it wait for it £1,801.00 so they did receive my letter before action after all im claiming just under £3,000 so errrrrrrrrrr NO TA I WILL KEEP YOU POSTED IM OFF ON HOLS SUN FOR A WEEK, SO WATCH THIS SPACE

well done just been reading through your thread many congratulations x

thanks mechs me? never im a good girl lol and no worries there you wont be seeing any photos of me THAT I CAN BE SURE OF PMSL:o thanks for your wishes I DIGRESS LOL I have emailed halifax today with the letter before action and now i AM going to file my claim in court. I have all the papers ready, and I will be going there tomorrow. one question though once ive submitted my papers it will take a while wont it as i dont want to miss any correspondence when im on my weeks holiday???

lol or "things can only get betterrrrrrrrrrrr ta for your support as well

aww ojustlooking gone are the days when you could just send your paper licence and get the address changed, passports were cheap in those days, its gonna cost me £51 just to change my address on the passport and renew it as well. anyway snippet of news i've just rang my electoral services and they can confirm that i am on the electoral roll!!!!!!!!!! she said to me that i am the second one she's had to day saying that the credit reference agency says i dont exist, anyway she's going to send me a letter confirming that i am so they can stick that in their pipe and smoke the $&$&$&, if thats the reason i dont know, i have now got to send documents to experian just so they can tell me what they hold about me brain ache or what anyway dont be disillusioned we're going on a holiday with the sun newspaper just to get away from all of it. how do we get on and more to the point how do you go on where do we go from here (i could be breaking out in song!!! but ill spare ya lol) im going to ring the credit people up and speak to them again. and while im in the mood i might ring the natwest up again as well. thanks for your good wishes keep me posted sounds like we got similiar problems good luck

aww ojustlooking gone are the days when you could just send your paper licence and get the address changed, passports were cheap in those days, its gonna cost me £51 just to change my address on the passport and renew it as well. anyway snippet of news i've just rang my electoral services and they can confirm that i am on the electoral roll!!!!!!!!!! she said to me that i am the second one she's had to day saying that the credit reference agency says i dont exist, anyway she's going to send me a letter confirming that i am so they can stick that in their pipe and smoke the $&$&$&, if thats the reason i dont know, i have now got to send documents to experian just so they can tell me what they hold about me brain ache or what anyway dont be disillusioned we're going on a holiday with the sun newspaper just to get away from all of it. how do we get on and more to the point how do you go on where do we go from here (i could be breaking out in song!!! but ill spare ya lol) im going to ring the credit people up and speak to them again. and while im in the mood i might ring the natwest up again as well. thanks for your good wishes keep me posted sounds like we got similiar problems

oh yes you can say that again. ive been at my present address for just under a year, i dont think im on the electoral roll either, dont it make life complicated, i applied for a photo licence, they need me birth certificate and my blooming marriage certificate (though divorced still have the name) do you think i can find the stupid thing, the credit experian company people whatever now want clarification on my address, righhhhhhhhht they want driving licence and passport, utility bill's ok i can just about do that pmsl but the others i totally give up, im going to cornwall on sunday for a week with me kids and partner so im going to give it up just for a week arghhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhh!!! thats better, well slightly better anyway good luck peeps xxxx

hi ojustlooking ive been knocked back by co op as well, but barclays were ok with me, when my dmp is sorted i might go to lloyds, (i say that cause i owe them and all) cant get me blooming credit file as now they need proof of address and all that &**&*& arghhhhhhhhhhhhhhhhhh ONE DAY THINGS WILL GO RIGHT FOR ME good luck with yours

ok people im not at all happy or confident to take them to court without knowing that they have in fact received the letter before action, ive been mulling this over for several days, and not being confident as nothing ever goes right for me, I can just see me going to court and the judge saying you didnt send them a letter before action, you have internet access so why didnt you check beforehand! I have rang the royal mail twice now and it still hasnt been delivered i check on their website everyday and it still hasnt been delivered I would feel better if i contacted them to find out whether they have received it or not. but then i suppose that would give them more time as they would probably lie and say that they didnt receive it. if the recorded item is not signed for i have no concrete proof. I would like to email them with the letter before action pasted on the actual email so there will be no attachments. and saying that their time runs out today. does it state anywhere that proof of postage is proof of delivery im sorry if you lovely people think i am being stupid, I just need to be confident enough that this wont go against me. I know you have told me that it will be ok, im just not so sure. signed from a very not confident blinky (who nothing ever goes right for me)

unfortunately yes they do, and yes they can, and no they dont give two hoots about it either. it has happened to me its a good idea to open a parachute account if you can, and dont let them get any more of their greedy hands on your money. i think it is illegal, but banks work to their own law and nobody addresses the situation. I have a long story to tell: shortened version though! my dad died i had his insurance money in my account to pay for funeral had ex husband who went bankrupt owed on his halifax visa card, the account was supposed to be in my name and my name only as he had signed his joint right over to me, his name was still on the account, but it was found out that they had received the document to have his name taken off, but failed to action it, so the credit card company decided to take it the funeral money out no notification or anything, i spoke to a solicitor about it and he said they can do it, it is illegal but no one has to my knowlege questioned them about it. eventually it was sorted, i got £300 compensation, should of gone for more really.

thank you for that information i sent my lba recorded on the 5th june, and on the rm website its still not showing as being delivered, but hay wahooo im off to court in the morning. good luck with yours

i tried this gave all details etc etc and ive had no email, or pin number etc, so im not so sure about this at all, never mind im going to try and get in contact with them

thank you vampiress and barracad for your wonderful help i was getting the two muddled up but have now downloaded your one vampiress with the two bits of interest on and its working wonderfully thank you so much for your help, i appreciate it very much i can now start proceedings on monday as now i am fully armed, well at least sorted out the interest,and have added a few more charges which have come out recently , almost £3000 with interest, blimey and thats only since last march 2005:mad: anyway i digress thanks again many thanks

hi barracad, no i dont have microsoft excel its open office one that i downloaded from here.

I downloaded the basic Xls sheet, I have entered the statement date and amount and reason. But how do i calculate the days since offence. Do i have to count back for every transaction (about 30)? Is there an easier way to work it out? hi vampiress, im sorry if i may be sounding a bit thick here, but i have entered the date of the charge and the charge amount, but the formula just says #NAME? I have the same problem as tim, i thought i had to count back the days from my first date of charges. can you help me please, many thanks

thank you peeps off to court i go!! monday roll on fingers crossed claiming over 3000 now they've added more charges and now i can claim interest wish me luck

thank you so much i will do that