I've done a claim before so thats not a problem, its just the other charges and unpaid direct debits i might get as a result of all these charges that worries me.

Thats what i plan to do but because of these charges i wont have enough money this month and will get more charges and it will escalate and i dont want to mess all my finances up over this. Lee

Hi I got my statement and i've been given charges of £140 of charges but from what i can see i went overdrawn so they charged me for that and charged me for being overdrawn, then they charged me for a direct debit they paid whilst being overdrawn. Anyway i plan to ring them tommorow but im sure they wont want to take the chrages off, but i was thinking of saying, well can i have the address to claim them back thru court then and see if they give anything back then. Has anyone got any tips on what to say to get them to give my money back? Lee

Thanks for all your replies and help. Peter if you could let me know how you get on and any insight into what happens would be greaty appreciated. Lee

Hi Just wondered if anyone else was in court that day to in southend? Lee

Hi I've just received a letter from the dvla telling me i have to pay £40 as i didnt tax my quad. The thing is, i sold the quad on ebay in december, the buyer and myself filled out the log book and put it in en envelope and he said he'd post it on his way home for me. I don't know if he did or if its lost in the post. Any idea on what stance the DVLA will take on this as i really cant afford to pay £40 for something thats not my fault. Thanks for any help you can give me. Lee

I know this sounds a silly question, but what is there for me to know about my case other than how much im claiming? Also do i add the mcol payment and court payment to my claim as well now? Thanks Lee

Thanks alot for all your replies, you've put my mind at rest and i feel more confident about doing a couple of other claims now. They drag it out so long it puts doubt in your mind that you've done something wrong. Id of thought they would want to settle earlier, the money it must cost them at the moment for administration must be alot and the majority of the time they have to pay out anyway, plus if they paid up quicker they might please there customers a bit.

Also how can i find out about what other cag users might be going then?

Thanks for your swift replies, this all seems abit daunting at times. My claim is being heard at southend county court. Dont i need to take anything then as i have been reading a post at http://www.consumeractiongroup.co.uk/forum/guidance-notes/64911-got-court-date-guide.html And i was worrying about all this extra paperwork i thought i needed to do Lee

Hi Im claiming just £2000 and i never expected this first, i expected just the 1 court date, anyway, do i need to go to this? Why have i got this and most others dont? Thanks for any help Lee

Hi Im not sure if im right or wrong so hopefully someone can point me in the right direction. I bought a quad last year and got it insured via mce, after 2 monthes i missed a payment which im sure they took out on a differnt date to what i agreed but i need statements to check. anyway, they sent me a letter saying as i missed a payment they was cancelling my policy, that wasnt a problem for me as i decided to sell the quad so i could get a motorbike anyway, now there sending me letters threatening court if i dont pay for the while year, i would understand if i had to pay some kind of cancellation fee, but why should i pay a while year when all i got was 2 months worth.

Hi Does anyone know what this means? Im really sick of all this waiting now, it gets so tedious, i keep worrying ive done something wrong, im glad ive only got 1 court action on the go. Thanks for any help you can give me.

I cant see where on there it would say they have acknowledged it. I Didnt receive anything in the post about my claim, im due to do my judgement on monday 18th but im not sure if its gone wrong, Does it seem right whats happening?

Thanks for your help michael. How will i know that they have acknowledged, will they send me a letter or will the court send me one or will i know by the mcol website somehow?