Hi Geordiegirl Can I ask you to set up a thread in the A&L forum, we will be able to keep track of your claim and answer any queries there Best of luck with your claim

Hi lindawn and welcome You're right, it is a shame that we are forced to issue court proceedings to get back what is rightfully ours. Hopefully, the banks will eventually get the hint and stop with these unlawful charges. Best of luck with your claim, please read the FAQs and start a thread if you havent already

You CAN reclaim the debit interest charged on the charges, the spreadsheet is here, http://www.cag-files.co.uk/barracad/Spreadsheets/England/Complex-bank-charges-calc.xls Please note that you cannot just claim back all debit interest. Please read the FAQs and start a post in the First Direct forum, we will be around to answer any queries you have Best of luck

Hi and Welcome k2gixer If you post a thread in the mortgages forum, you will get loads of help and advice

Hi Jemsie and welcome. Please read the FAQs and start a thread in the relevant forum for your bank. Post any queries in your thread and we will help ASAP Good luck with your claim

OK, you shouldn't have too much longer to wait. Lloyds will not let your claim go to a hearing. The date set for the court date will depend on how busy your local court is. Please post any further queries on your thread in the lloyds forum, we will get to them as soon as we can

Best of luck Garforth, please post a thread in the appropriate forum for your bank. Please read the FAQs, and post any queries on your thread, we are all here to help

Hi Linnda and welcome. Natwest have 40 days to send the information, after that you can send them the appropriate letter from here, http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html Please start up a thread in the Natwest forum and read the FAQs. If you have any queries, please ask on your thread, we are all here to help Best of luck

OK OK, I apologise, I have been incredibly slack about posting on this one! I sent the prelim and LBA to Cap1, they have responded by offering me £128.00 out of £343.96, I think not! They have raised the OFT £12.00 issue, and have offered me the difference. Bristol County Court here we come

OK, they have offered £165.00, plus £30.00 court fee.They have said that the £58.75 card recovery fee is not a penalty charge and supplied me with documentation which supports this. Accepting £195.00 YAY

Fair enough, as long as you have used the correct spreadsheet to calculate the interest Good luck to your flatmate with his claim

Has the phone been lost/stolen? I can understand them saying that the contract must be paid in full, but I don't understand why you don't have the phone. Could you pay what you owe to date and then pay the rest monthly to make it easier?

That seems like a lot of interest for the level of charges, how has it been worked out?

'Total charges' is fine, that is the description they have used, so what else can you put?

One LBA is fine, if they haven't replied within the 14 days, go ahead and issue (once you have worked out the interest)

You can amend your claim using an N244 form, it costs £30.00 which is non refundable. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/41901-form-n244-application-notice.html You CANNOT just add £150.00 onto the schedule you send to HSBCs solicitors, they will only pay the amount you sued them for. Alternatively, you can claim again for the £150.00, it's up to you really. You need to send the schedule of charges to debbiedaubney@hsbc.com, she is a solicitor at DG. I do agree that a parachute account is a very good idea, saves the hassle of any more charges

Your claim, your timetable-HIT THE BUTTON

Well you have 3 choices here really. You can hold off for a couple of weeks, and then add the charges to your claim, or you can do another claim after this one is dealt with, or you can just swallow them. Personally I would go for either option 1 or 2

Basically, as soon as the claim status is showing on moneyclaim.gov.uk as 'judgement', you can go ahead and ask for enforcement (baliffs), you can do this online too. They have 28 days to request that the judgement to be over-turned, I would say that if they haven't done this within 14, you're home and dry. Send in the baliffs if they haven't paid up

or this (which gives you the wording by wrote) I am respectfully requesting that my claim be allocated to the small claims track. This issue is not a complicated one; it is an issue of fact and not of law. The issue is only whether the money levied by the Defendant in respect of its customer’s contractual breaches exceed their actual costs incurred. I am happy to pay their actual costs and I am surprised the Defendant did not counterclaim for these, because I would have paid them without argument. However, the continuing problem is (in common with the 100s of other cases currently being brought by other bank customers) that the banks refuse to reveal the details of their penalty-charging regime. As the banks have a fiduciary duty towards their customers, they have a duty to deal straightforwardly and in utmost good faith. Accordingly, I would respectfully ask that the court in this case, not withstanding allocation to the small claims track, order standard disclosure. I understand that it is in the courts discretion to do so. I believe this would bring a rapid end to this litigation.

I would suggest that you request standard small claims track directions. That is all you have to say to the court, it basically means that all evidence must be disclosed by both parties a minimum of 14 days before a hearing, and generally, no expert witnesses etc Good luck

If you have filed in court, then you are entitled to the courts rate of interest and your court fees. Personally, I would stick it out, what have you got to lose? Hope this helps

OK, you can just send the court a brief letter confirming the matter has been settled, and no further action is required. You can donate by clicking the long grey bar at the top of the pages on the site (it's via paypal). Congratulations Mr Penguin

You need to post in this one http://www.consumeractiongroup.co.uk/forum/other-institutions/

Absolutely right, stick to YOUR schedule, not theirs. This letter is a standard fob off, most people that I have seen have a reply telling them to get lost after they have issued proceedings Best of luck to you