This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 2019-03-08. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

HI All, Im posting this on behalf of a good friend of mine, he declared himself bankrupt around 9 months ago. He is currently full time employed however were he works, the company is being affected like most by the credit crunch. He has been offered a volutuary redundancy package in tune for around 10k, his plan is to re train and do something else using this money to aid his income whilist re-training. My question is will his previous creditors be allowed a significant percentage of this? Obviously hes in a bit of a panic and doesnt know what to do for best. Any help would be greatly appreciated. Matt

Thanks for advice i will just send yet another copy of soc then. matt

any course of action?

The first point is as follows:- 1. The Particulars of claim do not provide details or particulars of the account in question and / or the precise charges alleged to have bee unlawful,or the date therof. To the extent it is alleged that the claimant incurred bank charges on the claimant`s account or unuthoried burrowings (whether unpaid fees for returned cheques,"Paid Referal Fees"or any other such fees), the defendant puts the claimant to strict proof of each charge and the date thereof. This sounds like i didn`t send my schedule altho im positive i did. Matt

Hi its the mcol copy out of the templates library. thx Matt

Hi there, I did my claim online thru MCOL, i was dubious at the time as heard of peolpe having to ammend. This is exactly what i think i have to do now (always listen to that little voice in your head.) I got a 7 point defence including The particulars of Claim are summary in nature. Question 1 What form do i need to ammend the claim??? simply send another with 40 pounds? Is the form available online in PDF?? Many thanks Matt

Keep checking your account and waiting for a grey letter from thier sols.

Did you inform them on your pre that you have successfully claimed against them before and quote the case number? I also have a 2nd claim going in. Well done!! Matt

Bump I won can a mod change me

eh up martin im drunk right now, all i can say really is the sleepless nights pay. What a feeling mate, it relly is something i will remember. your journey has an end mate. wont be to long....Still watchin ur thread. Best of luck Martin Garry thx a bunch

Im a comp technician in spare time and i don`t know how to pm oh dear. Anyways im getting drunker by the minute. the feeling is euphoric

Can someone change my main thread below to win status "a little help and an update" thread

I want to type big but cant suss it but hey.......... I WON I WON Straight into bank. Oh yes!!!! Was just preparing my court bundle too. Saved on photocopying etc was a bonus not to mention stress of it. Cmon!!!!! Av it!!!! I won..

a tried and tested method by myself and quite a few others is to estimate intersest till mcol or n1 stage. then give them a call, they will calculate interest for you. did 4 me anyways only last wk. matt

well done!!! mbna seem very reasonable to deal with. i also had good sucess with them

Hi all, Today i am going to do my mcol however after reading many threads i think it is worth giving them a ring before i do. Any ideas on best number to ring??? Many thanks Matt

Just about to start a claim with the Barclays can i claim back the 5 pounds overdraft fee??? Thx in advance Matt

just subscribing but late congrats matt

Could anyone direct me to where i might find some mint card advice nothing comes up in the search engine thx in advance Matt

Congrats. Love to know why some people get early settlements and others don`t. Might be just random i`m sure we all send more or less the same letters and follow same procedures. MBNA are very nice to deal with tho i had results within 2 mths. Matt

Hell Martin, The timescale must be doing your head in thought mine was bad got a court date march 14thd doing court bundle monday to send tuesday lucky for me i have lots of spare time. Be glad when its over it is on my mind a lot to be honest. Booking another holiday upon settlement i suggest you reward yourself the same. Good luck mate. Matt

I also have been sent someonelse`s account details sent a stroppy letter back. Shame that person didn`t have any charges mind, hell knows whatwould have happened if id have claimed for them lol. We trust companies with our data only for it to be given to someone else. Matt

Thx Pam, God this has took ages did SCM send their docs in time in your case? I would write more but me been to publand 2nite sorry. Matt