You need to apply at your local court if you are eligible to waive the fees. This cannot be done on MCOL.

Only send the letter for non-compliance with DPA if you intend to follow it through to the end. Most of us who have put in estimated claims base it on what we have received which is usually about 14 months and what we already had. If you have a year's worth then you can work out the charges and multiply by how many years you are claiming for. This is reasonable. It is what I did and I am at AQ stage. Others have already been paid.

My gut feeling is that unless they have specified that this money is part of your claim, you continue regardless.

LBA ready to post tomorrow. Nothing further from GMAC so time's up. I have referred to a quote from another thread in which GMAC have written: “the early repayment charge incurred was a reflection of the contract being terminated early” therefore by their own admission it is a penalty charge. At least I believe it is.

I wouldn't worry too much. The banks do not want to go to court as it would mean full disclosure and they don't want that. You seem well enough prepared. Good luck

Rambot where are you? What's happening?

Yes that's fine. This is a standard letter. Abbey and their solicitors do not sem to communicate very well with each other! It will be better if they file a defence. It's cases like mine, when they don't, that take longer, due to the default judgement having to be set-aside.

I have just been re-reading the defence submitted by my trainee solicitor and in one of the paragraphs referring to 'position under the 1999 regulations' it reads: "I am informed by Mr Squires that the charges which the defendant (Abbey) levies both reflect and are proportionate to the administrative costs incurred by the defendant in an account." 2 questions: Is this paragraph usual in a DLA defence? Who (excuse my ignorance) is Mr Squires?

Sorry, Odd I missed your reply. I agree. I can smell it from here!

Thanks, Livelylad. Are you a classical literature fan?

Yes, it's their standard delaying tactic. We've more or less all had one. In my case I have had several!! Keep to your timetable.

Phoned the court today but Abbey have not submitted their AQ yet. Unless it's in the post, as I write, they are going to miss Monday's deadline.

I am with you all the way there Odd!I didn't send them a copy of my AQ either. They have until 11th to file their version. Why should we tell them any more than we need? Good luck with the Working Lunch.

In theory, yes but I no longer have the card and MBNA hold the account. I cannot see where BoS are going to refund the money to. I think it is just a lack of communication and it might just balance the books better for BoS.

hard copy version for writing on form: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-particulars-claim-hard-copy.html Moneyclaim online version adapt from these notes: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/634-guide-notes-completing-moneyclaim.html

Just ignore any future put-off letters and stick to your timetable. The only time you stop is when you get an offer of 100%.

If you made it clear it was a Subject Access Request within the DPA then you are the SUBJECT and they should provide you with all information you have requested about YOU. Only one £10 fee should be needed to cover all your accounts.

Stick to your timetable. This is their standard delaying tactic. They will refuse the refund so you send your LBA and follow the steps in the step by step guide which you will find here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/243-step-step-instructions.html Good luck

Hello Jean and welcome. You just stay determined and you will get it all back. There's plenty of help and encouragement available here.

Some banks threaten account closure but I haven't heard of it happening to many. My main one - Shabbey scabby Abbey won't close mine because they reckon I still owe them charges and interest!! It's always a good idea to have another one, just in case.

Doesn't it give you the option to use taht postcode anyway? I seem to remember it does.

:confused: I am really really confused now. :confused: MBNA took over my CC account and we have agreed settlement terms as detailed above in the thread (and in my signature). I have already made 2 monthly payments to them as agreed at the time of settlement. However, in the meantime, BoS have offered me 1186.21 and they have arranged to have this refunded to my credit card account. I have not agreed to accept this but they did it anyway. It comprises 750 in charges, 316.21 interest and my 120 court fee. They have consequently entered a defence because they no longer want to pay the S69 interest which I suppose is fair enough. WHAT ON EARTH DO I DO NOW?

AQ + £100 fee delivered to th court half an hour ago. Abbey, obviously, and true to form, have not submitted anything yet as they have until 11th September.

I don't know where this has come from.This debate went on earlier in my thread and the consensus was you only tell them if you intend to use the recording as evidence. Is your post referring to this? I record calls to remind me what was said.

Absolutely fantastic!