Hi did you move any further forward with this? I too recieved the letter informing me i was due a refund. I sent off a SAR but then completely forgot about it. I've just come across the SAR i sent on 30/8/17 so obviously the 40 days are up now! Any advice on what to do next would be gratefully accepted TIA

Hi Guys Just looking for some advice, My daughter opened an account with HBOS when she was a student in 2007, Stopped using it in 2008 when she ran up an overdraft, and completely "forgot" about it, She has now received a form N1sDT from Northampton County court signed by Lowell Portfolio demanding nearly £1500. The original overdraft was £500, The claim form states "despite repeated requests for payment" But she swears that she has never had anything from these people, (She has moved house about 5-6 times since leaving her student digs though due to her occupation) Where do we go from here Is it too late to request a SAR and a CCA? What does she put on reply form to court Thanks in advance Cosy

Hi, Just looking for a bit of advice as my solicitors are stonewalling me. I was wiped out by a foreign lorry driver changing lanes on a motorway, unfortunately I was in the lane he changed to. The police attended and the driver was found totally at fault, although they didn't prosecute him. My injuries were sufficient for the insurance company to make a £5200 compensation offer. this I accepted as I have been off work for 6 months now and my wage has dropped to 1/2 pay. (i'm desperate and skint) This offer was made in October and I assumed that the cheque would follow shortly. But no. Apparently European insurance companies have upto 90 days to pay up, and according to my solicitor they take all 90 days. Surely this isn't correct as I understand UK companies must pay within 15 working days from receiving signed acceptance. Is there anything anyone can suggest I do to get the cheque sooner Thanks in advance

Count me in

Hiya Yeah, decided to go it alone (apart from all your Help) but no solicitor. The Judge had all my evidence and my last statement giving the balance owing. The rep from the lender went first, and warbled on. when he gave his figures the judge said, "thats a huge discrepency do you have a full breakdown?" " No" was the reply, "just my instructions", "Mrs Smith has a statement here, dated and signed by Swift with a fiigure £20,000 less than the amount you are stating" 1-0 to me!! Then he quoted Cheltenham & Gloucester V Krauss and told the judgehe had no option but to grant possession cos the house was in negative equity. " have you had a valuation done on the property?" Asked Judge "no, but Mrs P agreed with me at last weeks hearing that the house was probably valued at £210K" "Are you a valuer Mrs P" asked judge!!!! Er no!! I replied "so you want me to grant possession on figures you can't substansiate and a valuation done in the court waiting room" 2-0 to me Long story short possession has been suspended, judge accepted my offer to clear arrears, but judge said It will be up for review in 3 months, as I was leavinng Judge said, "just make sure you make those payments" I have written to Swift, requesting a full breakdown of costs, to find out what the representative was quoting, and will try to claim them back once I've got my head back on straight!! but at the moment I'm just relieved to be still in my house, Thank you thank you thank you for your support

Thank you so much for your support, On a plus side I lost 4lbs at weight watchers this week!!! who needs a diet!! got to laugh or else..... I'm gonna tackle the N161 in the morning, too late now, brain pickled. Hopefully the solicitor will ring me back with an idea as to how much he's going to charge. If its reasonable I'll let him direct me, I rang morgage company and asked for a breakdown of costs, they said they would post em to me....... watch this space!! Thank you all again Cosy

Hi Ok a quick update, I have been at court all day saw a man from CAB who put me onto a solicitor, he told me to get an N244, which i did, Court wouldn't accept it said I needed to appeal. Spoke to a lovely lady who suggested I put in writing why I thought the original decision was flawed and she would give it to a judge to see if he would allow me to use N244. So I wrote a letter, attached the lastest morgage statement clearly showing Morgage £167,000 arrears £41,000. I also mentioned in the letter that the representative used the figure of £244,491 in gaining my request for suspension of possession order be dismissed....... but the Judge said I still need to appeal, (didn't mention that I thought he was a lying **** but just stated facts. Now I have a booklet N161 to fill in please can someone help??? The court says once I fill it in and take it back the appeal will be listed the following day so it doesn't give me much time Also I have worked out that my offer will clear the arrears in 15 years (still 22 to run) is this good enough or do I need to up the offer? Cosy.....

Thank you, i'll do that first thing in the morning cosy

no i just burst into tears and walked out!! can I not just use another N244 and ask the court to postpone the order whilst I get the info from The morgage company.... I can't see them hurrying to post me a breakdown of charges out Cosy

Hi Yes I have a notice of eviction, It is scheduled for Tues 15th. Correct me if i'm wrong but you think I should go down to court and ask for a postponement on grounds that I dispute the arrears figure? Is this my next step? Thanks Cosy

Hi just a thought, there are 264 months remaining on the morgage, If as you say i am allowed to pay them off over the term of the morgage that is only £160 pm extra, I offered that. So if I can appeal, shall i use this as well? I just need to know if I can appeal Sorry to sound so desperate But I am Cosy

15th March Cosy

Hi all, Can I go back down to court and ask for another N244? take all the statements and info with me and get this suspended to give me time to get a solicitor to sort it out. The solicitor i spoke to yesterday was one i found on the internet but haven't yet instructed. I think what i am asking is can I appeal this decision and if so how? Cosy xx

Hi It was a hearing to stop eviction warrant. They have held a possession warrant for a while but they executed it last week, with possession to take place on Tue 15th March, I completed a N244 on fri, got a hearing yesterday, but the judge threw out my application. So warrant for possession is to go ahead on Tues Cosy x

hi The morgage was taken out in Dec 2007 No it's a first charge. and no PPI at least I don't think so. (I'll check and post back if there is) Thank you Cosy PS after a night of lieing awke dwelling I can't believe that he sat there and blatantly said that we owed £240k. As I said that was when the judge made his decision. I want to go tearing back down to court and tell them we don't owe that much, but obviously time isn't on my side. Can I appeal? Thanks Cosy