Any advice gratefully accepted. This is the current situation. My daughter had a debenhams card with a £180 limit. Last Nov. she became unemployed with a baby on income support. She could not keep up her payments and the account was passed to a debt collection company, Viking. She contacted Sheffield debtline for help and they assisted her in compiling a financial statement which was sent alongside a letter requesting that interest and charges on the account be suspended, and with an offer of payment. A week later she recieved court papers claiming nearly £600. When she showed me these I as furious at the fact that they have tripled her debt. I got her to phone the solicitors on the claim form. They promised to send copies of her statements and said they would take no further action until she recieved them. when she said she only had their word that they would do this she was told that their calls are logged and to keep note of the date and time. She did this, but nearly a month later nothing has happened. We acknowledged the claim, giving us 28 days, but looking at other GE posts am very sceptical about any information or promises they have given us. As the 28 days are nearly up I have, on her behalf, submitted a part admission for the original debt, but estimated it at £100 due to not recieving the information, and submitted a counterclaim for the charges, interest on the charges, interest persuant to county court act and costs incurred after the debtline letter was sent, in line with normal claims on this site. As they didn't send the statements we can't calculate exact amounts. Can anyone help with the following: a) what will happen now? b) where do we stand if we go to court? c) how do we ever calculate any amounts if they refuse to send the information? Any advice will be gratefully recieved as I'm totally in the dark as she's the defendant as opposed to the claimant.

have they threatened to close your account?

thanks for the advice. will send to my branch. good luck to you both.

There are numerous names/addresses on the sticky so I wondered where I should send my court papers to?

sorry, monkey, you said they can take it or leave it, but what if they 'leave it'? Don't know if chriszammett has asked extra but we didn't think they'd play.

what if they leave it?

well done. ours finished last week. VICTORY!!!!!!! Enjoy.

same letter we got but didn't make a difference to the outcome. As you can guess it didn't get defended in court. usual secrecy asked for. refunded already. Go ahead with your plans.

Hi. Hope you don't mind me asking but is it normal for a RBS manager to keep emailing you throughout the claim process, please?

Good luck, Candice, and keep us informed. I have just sent 2 LBA's to RBS today so will follow your thread with interest.

I bet you are. It must be a great result for you. Hopefully we'll hear soon. Will let you know when we do. Thanks.

Thats great news. They responded to our claim last week. How long did it take for their solicitors to make you an offer?

Go for it. My daughters recieved her notice of issue today so we're following in your footsteps, so to speak. Hope you get a favourable outcome on tuesday.

So you can add the other grand on before you settle, as they're not defending the court action? Great news. I suppose theres another 8% on those aswell.

Were they for the case you're in the process of settling on?

1. Well I personally am taking charges to the date of my first letter even if its over 6 years 2. I didn't send a breakdown and my claim has been filed. 3. I have deleted all text after date of judgement, ie: "and also interest at same rate up to the date of judgment." 4. I have put the date of the first charge as I don't know when I opened the account as I said, I can only tell you what I've done. Hopefully someone will give you further advice.

I can't understand why the mods aren't advising you. I'm only telling you what I've done. Perhaps I'm not supposed to?

can anyone tell me why my post 'what price secrecy' has been closed, please?

Hi. What does the message at the end of the last post mean?

Hi Chris I put the date of the first allowable charge, 6 years from the date of the first letter. I will also put these charges on my moneyclaim form. I also put the date of closing the acct, as its no longer active. So include those charges. Take it from when you first contacted them. Its not 8% of final total. The template spreadsheets works our how many days since the transaction and then the percentage interest, so unless you're a maths whizz kid, (I'm not!!!) I personally will, on settlement, open a new spreadsheet template from the library and re insert my info (dates, amounts etc,) and it will calculate up to the judgement date. For some reason no admin or mod is answering your thread, so I'm just telling you what I have done. Hopefully its all OK or they would have let us know by now.

No probs. have a good read and if you've any questions, ask. Someone should be able to answer you. When I joined I spent hour poring over different threads and still have to ask question, sometimes.

No, they are both illegal penalties and do not reflect the amount your actions have cost the bank. Your interst more than covers their losses. Be assured all my claims include both. Charges are not a service.

I think it means that if you have sent the first 2 letters from the template library you will have asked them to clarify their charges in these letters. I don't know what the daily interst is so I shall just put interest up to the day of settlement, which means copying and pasting info from my original spreadsheet into a new one for that day to calculate the new amount. Hi Jill, as I said in your thread, you can claim both of these charges as they are both illegal penalties.

I agree. In the past when banks weren't quite as greedy as they are now, as long as you paid in before close of business on the day the payment went out it was honoured and no charges were made. Its amazing when I enquire now, as according to online banking I haven't gone overdrawn, they always say the payment was requested 10 mins/ half an hour before I paid in.

and back to my old gripe, companies who only accept payment by direct debit and charge extra if you don't pay by this method, eg. mobile phone companies, sky, some mortgage companies and I'm sure theres loads more, making it hard to take control of your own money. Another tip. If you have a loan payment or mortgage payment to the halifax from a halifax account it is called a payment plan. You can change the date to any up to the 28th. My loan payment was due on the 11th and I was struggling to pay it so I went in my branch and was told I could change it anytime. It was changed to 22nd and I'm sorted!!!!! Also, I was told that if theres not enough funds they keep trying for it until there is and apparantly as long as its before 28th of the month no charges are made. Thats what I was told, but PLEASE check this at your branch first.