Ian, Thanks for the super fast response. Letter going off today together with seperate prelim for charges. Many thanks, Paul

Mandy, If you've got the charges then proceed in the usual way with a prelim. However, if you've had the account for more than 6 years you could write and ask them for ALL of your statements and claim back further. All the best, Paul

That's very good of you Ian. Will do it asap. Paul

Scott, I'm going to enter judgement and see what happens. If it then gets set aside we don't mind waiting. They've got to pay up in the end! Regards, Paul

Thanks for that Ian. It does seem like a very clear case so I will do as you suggest. Should I simply use an interest calculator to work out the amounts? The CAG spreadsheets don't work for me. Maybe because I have a Mac. Regards, Paul

Just spoke to a lady at MCOL who was very helpful. She was limited as to what she could say to me because it is my wife's claim. However, she said if we don't enter judgement they can still accept Natwest's defence. I said what if we do enter judgement and she said in the current climate they would not accept their defence. So I think I'm going to click on the judgement button unless someone here has different advice.

OK folks, I have in my hands a copy of the original agreement. My wife very clearly ticked the box which says 'If you do not wish to protect your payments, tick no'. So there's no doubt about it. Should I include this with the charges claim or is PPI a separate issue? Also, has anyone done CCI for payment protection? The interest rate at the time for Asset Platinum cards was 13.9%. Thanks in advance for advice on this one. Paul

Thanks again Fendy and Scott, Good advice and scales will be duly clicked. I think a call to MCOL regarding what would be a reasonable amount of time to wait. And then Cobbetts (if appropriate) to see what they have to say. By the way Fendy, I didn't have time to read your thread. It's rather long! I take it that you won. All the best, Paul

Thanks Scott and Fendy, Thanks for your support. Yeah, I know all about waiting after dealing with Sharkleycard, who eventually paid up on the evening before our hearing. What a fiasco that was! Scott, the 28 days is up. They aknowledged on 12th April but the claim was deemed issued on 26th March. They had 28 days from then. So I can enter judgement if I wish but is there a better move at this point? I'm not really in too much of a hurry but I feel that the claim has reached a point where I might need to do something. Just not sure whether that means wait or write someone a letter.

Any thoughts on the above please?

Hi BodsReds, This should help http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html All the best, Paul

Well, the claim was issued on 26th March, they aknowledged on 12th April giving them 28 days. No defence has been submitted. I could enter judgement but am reluctant to do so because won't they simply get it set aside and it will take even longer? What's my next course of action? Thanks in advance, Paul

Statements have arrived at last. #398 in late payment charges and we're also going to claim #308 PPI which my wife never signed for. Haven't been around for a while due to work so a quick question. Is anyone claiming CCI and getting anywhere with it? Or is it still advised to stick with the 8% when you file the claim? Regards to all, Paul

Well, the statements came at last, but not a copy of the original agreement, which I specifically asked for. Funny thing is the payment protection suddenly stops in May 2003. Anyway, it comes to #308. Wife is phoning to request original agreement. They also owe #400 in penalty charges and I'll start a thread for that too. All the best, Paul

Still no statements from Lloyds. I sent SAR to the Gresham Street address in London instead of copy statement unit in Birmingham. But still, they should have sent it to the appropriate department in my view. Will get OH to give them a call. Will update this thread sometime in 2008!

Hi Half Ax I, The way I see it is that we need to find a way around the argument that there was no breach of contract. At the moment, as far as I can see, when we redeem early, this is not a breach but merely the exercising of a right under the terms of the contract. It clearly states in our contract with Accord that we CAN redeem early BUT there will be a charge of 6% in yr 1 and so on. It certainly seems very unfair and none of the mortgage companies have been prepared to justify these charges. But they don't need to...yet. And even if Accord are calling it a penalty, it makes no difference unless there has been a breach. I still feel optimistic that things are going to change. What I don't understand is why the OFT are getting tough on mortgage exit fees (which are a few hundred pounds) and ignoring ERCs (which are, as we all know, thousands). Let's hope they get on the case. Until something changes the wait goes on...It might help if everyone signs the petition in Zoot's sig. Paul

Glad to see you are well and truly back in action, Dolly. I'm after Lloyds TSB as well. But no statements yet Might be worth checking yours for PPI. They seem to have been charging my wife for this for years. All the best, Paul

Wannagethelp, Dolly's right, you know. Relax. The banks always make you work hard for your money (money that you have already earned once before!). Everything you need to know is on this site. Shout if there's anything you're unsure about. (Slight hijack. Hello, Dolly, I'm after Lloyds as well now. Glad you're feeling better).

Hi Dooley, What stage are you at with your court action? Have you reached the AQ stage? Or are you more advanced and have a date for a hearing? At any rate, their offer is unacceptable. Its a common tactic to offer the difference between the charge and the the figure mentioned by the OFT. However, the OFT certainly did not say that banks are allowed to charge £12. Let us know what stage you are at, but I wouldn't accept £42.

Tam, This is very good news. A massive well done and it certainly gives the rest of us lots of encouragement. I was gutted to pull out of my claim against Accord but always felt that better times are ahead. I believe there may be more good news to come regarding ERCs in the near future. Good wishes and well done for staying on that surfboard! Paul

Very best wishes to you Tam

MCOL done today - at last!

DS, I phoned the court so I knew they hadn't submitted their documents. If Friday is your hearing expect to start receiving calls from their litigation dpt soon. They like to leave things a little late in the day.

I've not posted here for a while but I suspect that my 7 year old may have done!

hi