You really have me intrigued now, Rambot!!

Hi Karne I already had that bit from Alan, on your thread bookmarked and I've copied it nearly word for word. I have also E-mailed my trainee solicitor (who incidentally called me 'he' all the way through the written defence!!!), and informed her that the AQ will be at the court tomorrow unless they settle. I told her what I'd put on the form so she will hopefully be aware that it's similar to yours, and others, and that WE KNOW WHAT WE ARE DOING and will not back down. Thak you so much for your continued help and support:)

Mine hasn't been closed - they think I still owe them money so they won't close it. They threaten this to people, but I personally have not come across a case where they have followed through. It seems to be more us closing our accounts ourselves, and moving on to pastures new. Once we have a parachute running of course!

You go get them any way you can, Odd. They obviously think they are still floating high above the law.

Quick update. AQ received today. It has to be back by 11th September.

Click on the link below my signature.

Read the FAQs.

Good luck. We are all here to help.

You are doing it just right. Keep up the good work.

Total and interest is all that is needed at this stage. Use the spreadsheet from the library to calculate your interest. Then you can send in the spreadsheet when they want your 'particularisation' of claim. This has been enough in all the cases I have come across. Good luck

Go get'em!

I gave up long ago and sent in an estimated claim. We are now at the AQ stage.

Me too and I started in March!!!

That's what I would do - it's your money after all!

Use the Triton House one at the bottom of the statements.

If you find you are refused try Natwest STEP - no credit checks! It's easy online too - just go to: NatWest - Current accounts - Step account There are others with similar accounts and no checks but I chose this one and I have no complaints - quite the opposite in fact. Good luck

You and me both!

CONGRATULATIONS I hope I'm not too far behind you now.

Once again I write, having just phoned the court. The set aside has been "granted by consent" and the AQ is being sent to me and to DLA. Finally some progress.

The judge is looking at the application made by Abbey today. I have been advised to phone back after 4pm or in the morning. I'm slowly getting used to waiting for other people to make the moves!

I've been doing a lot of thinking and this has only just occurred to me. When I wrote to the judge in July I told him I agreed to the set-aside but his response was to insist that Abbey/DLA make a full application. They did this on Wednesday. Now, did he do this to have a look at their argument in light of the information I provided in my letter (Whizzkid and NeilP being the main cases), and is he therefore thinking about NOT allowing the set-aside? Otherwise, why insist on a full application for a full set-aside hearing when I have already told him I agree to the set-aside? Any thoughts anyone?

You certainly know your stuff Hagenuk! Fancy coming to court with me?????

Only just come upon this thread as I have been away and you wouldn't believe evrything that can happen in a week! I think as more people are discovering the site it's becoming increasingly difficult for the mods to get round everybody as often as they used to. Don't get down about this. We are all here to help and you seem to be doing just fine. Karnevil is never too far away and she gives lots of sound advice.

In the 1980 Limitation Act there is a 6 year limit. I believe the relevant section is: An action to recover any sum recoverable by virtue of any enactment shall not be brought after the expiration of six years from the date on which the case of action accrued. However, there are people challenging this is they have their account information going back longer than 6 years.

Use the Head Office or Customer Services. You'll find contact details at the top of the Abbey threads. Welcome and good luck