Refusal of payment!! what now?

pudkids · 19th June 2007, 10:31

I have just got my letter back saying the charges are fair!! Yeh Yeh! so now I am ready to start claim. When I put N1 form in what other forms do I have to put in with them??.Do I have to send copies of my first letters and their replies?. Any help will do!!.

Evo02 · 19th June 2007, 10:40

Hi, I got the same too from them, stating that what happend in April only related to Credit Cards not Current Accounts, they know how to talk rubbish.

What letter do I send, because I cant send the letter saying I have not heard from you, because they have replied saying they will not cough up.

Cheers

pudkids · 19th June 2007, 10:54

Hi evo02,have you sent LBA letter?

Evo02 · 19th June 2007, 10:58

No just sent Data Protection Act S.A.R - (Subject Access Request) received the statments and then sent the letter asking for the charges to be refunded.

And got a letter back saying that the charges are fair and do not deserve to be refunded.

Shall I just send the LBA letter? As the wording state you have not replied, is that still ok?

Cheers

pudkids · 19th June 2007, 11:15

I think the next step is filing your claim in court which is where I am up to, but to be honest I am not sure on this myself, so we will have to ask for help together hey! Good Luck!!

joe1969 · 19th June 2007, 11:25

Quote:

Originally Posted by pudkids

I have just got my letter back saying the charges are fair!! Yeh Yeh! so now I am ready to start claim. When I put N1 form in what other forms do I have to put in with them??.Do I have to send copies of my first letters and their replies?. Any help will do!!.

Hi pudkids , you just need to take 3 copies of your N1 with 3 copies of your charges list attached to each one and your court fee which depends on the amount your claiming.
Joe

joe1969 · 19th June 2007, 11:30

Quote:

Originally Posted by Evo02

Hi, I got the same too from them, stating that what happend in April only related to Credit Cards not Current Accounts, they know how to talk rubbish.

What letter do I send, because I cant send the letter saying I have not heard from you, because they have replied saying they will not cough up.

Cheers

Hi Evo,
Just change the first line to "i'm very disappointed with your response to my letter dated XX/XX/XX".
The letters in the bank templates library can be altered to suit your needs if you so wish.

Joe

gazzalad2000 · 19th June 2007, 18:45

Quote:

Originally Posted by Evo02

No just sent Data Protection Act S.A.R - (Subject Access Request) received the statments and then sent the letter asking for the charges to be refunded.

And got a letter back saying that the charges are fair and do not deserve to be refunded.

Shall I just send the LBA letter? As the wording state you have not replied, is that still ok?

Cheers

hi mate
as joe has said, amend your LBA, send that ( in my opinion keep copies of everything on paper as well as on your pc) wait for them to say no again, then file an N1

good luck

gaz

pudkids · 21st June 2007, 13:49

Hi Joe, Thanks, can you tell me what happens with the three forms when you take them in to court, do they take the three of them off you. I really don't know what to do or what to expect.

squarebob · 21st June 2007, 17:27

Take all three completed forms and attachments to court, hand over your fee and walk away! The court office will send you one of your sets of forms duly stamped, one set stays in court and the other goes to the A&L, then the fun begins, I.E. A letter saying we will 'Defend' followed by their 6 page defence etc, then silence until you get and fill in your AQ.

pudkids · 21st June 2007, 22:18

thanks again, PLEASE help some more, when I done my calculations of my charges I didnt add on any interest as the amount is over 5000 anyway.All this interest stuff has got me really confused. I am about to fill in my n1 form and have hit this interest problem again I really havn't got a clue how to do this,I have read alot of what is on the site but still can't get my head round itPLEASE HELP.

joe1969 · 21st June 2007, 23:32

Hi pudkids,
Have you used one of the spreadsheets off this site as this will automatically work out the %8 interest for you.
There are quite a few people on this site who have claimed over £5000 and it has stayed in the small claims court so i would personally add the interest as you are entitled to it.

Joe

pudkids · 21st June 2007, 23:47

Thanks again Joe, I have totally messed up as I never used a spreadsheet before so I just done my own schedule of charges, this is why I am so confused!!! You know the 8% interest, is that just 8% of your total what your claiming back in charges.

joe1969 · 21st June 2007, 23:51

Hi ,
No , it is worked out from the date of each charge.

Joe

pudkids · 22nd June 2007, 00:04

Would I be better off putting my schedule of charges onto one of them spreadsheets and doing it that way, but will this mess things up for me.

spiderman · 22nd June 2007, 03:17

just for those that have access to or own a debit card/visa or anything like that did you know that you can do the court bit online for free, its with thanks to clair and many others on here that have got me as far as i have got go here https://www.moneyclaim.gov.uk/ signup there is a bit of paperwork to go through but the best bit is you can save it to the site when your stuck and return back to it anytime you want then the final stage is a payment of £30 by credit card which goes direct to your local courthouse, the fee will be calculated into your claim as will the £100 court fee if you claim goes that far so even though you maywell have to splash out £130 you will get it all back with interest, i submitted mine yesterday got me mother to pay for it. hope this helps ya out abit

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