Yes E-Bay was an excellent idea, I'll keep it in mind

Are you allowed to say who thats with?

Sorry, before I go, how do I pm a Mod, cant work out how to do it.

Yipeeee Daughter rang telephone banking last night and there is money in the account. I can't believe they paid up in full. You were right. I shouldn't have worried. Thank you MilkTrayMan for you help and support - and patience, we would never have done it without you. Daughter is very grateful too. Thank you The "goodluck" was meant for daniel12. Hope they are successful too. The banks really are fools aren't they. It would have cost them a lot less if they had just paid the first amount we requested. They would have saved solicitors costs, court cost and interest.

Hi MilK Tray Man, No didn't get rid of her and she couldn't mend the computer either!! It had to go away. Just can't get the staff these days!! Thanks for the help - will let you know what happens next.

Hi, Not heard anything yet. I understand my daughter has not had her cash card renewed and hasn't been able to look at the account on line to see what the balance is. Have to admit to feeling nervous as to what will happen next and what we will receive next. Still nothing ventured nothing gained eh? got to keep going now. good luck

Hello, I'm back again. What a day!! I've been travelling and at the hospital all day, my father has had a stroke whilst on holiday. Daughter has brought round "Notice that Acknowledment of Service has been Filed." I have been searching threads for a couple of hours. Its amazing I thought I had already done this several times and was ready for anything - but - when it comes to it, dont feel so confident. We have the Notice of Issue which I assume we can't do anything with? That says claim was issued 11/06/07 Sent to Defendant 1st class post 11/06/07, deemed to be served 13/06/07. Defendant has until 27 June to reply. OK. We have Notice that Acknowledgement of Service has been filed dated 3 July 07. Defendant filed an Acknowlegement of Service on 18/06/07 indicating an intention to defend all of the claim. Has 28 days from date of service of the claim form etc. to file a defence. Am I right that 28 days will be up 11 July 07? So we should hear something this week?? I dont want to mess up. Its a bit scarry reading threads where people have been doing their court bundles. You hope you dont have to go that far. I had already been printing some of the stuff off and was amazed how many sheets there were and I hadn't done them all. Suppose I'd better be looking at it again, don't want to run out of time. thanks

Hi We've had all the statements, we sent letter requesting repayment of bank charges and now I have just done the LBA. Fingers crossed!!

I recently found out that one of my daughters opened up a credit card in my name at my address. She later transferred it to her own address. I have only found out about it when she has been unable to keep up with the payments. Until then I knew nothing. I have been incontact with the Company and offered to accept the debt LESS ALL THE BANK CHARGES if they do not presecute her AND they make good my credit rating. After all if they try to get money out of a single parent with no money they are not going to get much are they. Their reply is that they will credit £99 bank charges only, I estimate should be £500 on the statements we have. They will not make good my credit rating, which up to now had been excellent, I never had any problems. They will only do this if I sign to say they can prosecut my daughter. Are they unreasonable? Are they stupid? Are they bluffing? If I tell them to prosecute and clear my name, will they? We are talking a lot of money, which I will struggle to pay but will my daughter ever get a job and a chance to get on in life if I take this route. Can anyone give me any help and advice please. Pretty desperate now and have to make a decision quite quickly, obviously, I have to reply very soon. Thanks

Thanks MilkTrayMan. Excellent advice but daren't do it. I need daughter to keep sorting computer out. Seriously I have taken your advice and applied for S.A.R. on her behalf, so waiting for reply now. Hopefully we WILL get it right this time. Thank you for the help and advice which is very much appreciated.

Help. I'm pulling my hair out here! Asked our daughter to call round to fill in forms etc for court - she only turned up with more statements, more charges we had not claimed for. Anyway, I've calmed down now. I've tried to read up on this and think I have to start all over again. Am I right please. If so do I just send a premliminary letter and adjust it to apologise and claim the new amount, or should I send a separate apology/explanation letter with the prelim one. Alternatively I we bown it and just go for the original amount? We haven't had any reply to the LBA letter. Thanks

My daughter has had another reply to her first letter. Again telling her they are good and she has to pay the charges etc. etc. but also telling her if she has any complaints she should go through their complaints procedure and enclosed a booklet on this. It also includes the banking Ombudsman. Can anyone tell me if we are we supposed to reply to this or still take the next stage if we do not receive a reply to the LBA within 14 days from that being received by them. I assume this is delaying tactics. Both letters have come from different addresses. Thanks for any help

Thanks. we have already written to Nationwide asking for the charges back and they have refused. I thought I had read through all the info and LBA was the next step. Unfortunately I have done the letter for my daughter so its a bit too late if I'm wrong.

Thank you. I have been looking through the FAQS and instructions and have done the Letter before Action but I am a bit uncomfortable about the paragraph drawing their attention to T of C which they agreed, and being shocked at the way they operated account. If they did give my daughter the leaflet of the charges, should se be saying the above to them> Just as a matter of interest I had also written to RBS on daughters behalf. They have written to her offering the charges back in full. They have included the leaflet of charges which are the same and they are still going to charge in future but suggest if she does not agree to, she ought to move her account. I suppose that is why I feel uncomfortable with the Nationwide Letter before Action. Thanks for all the help.

Thanks so much, you've given me the confidence to advise my daughter to go for it. As a single parent she could do with the charges back. Hope I can find my way back next time I log in!!