Should i advise my previous?

Angry_Princess · 8th February 2007, 19:59

Hi, i have been lookin at the martin lewis site and following his template letter (for a change) I have sent 1st warning and recvd letter deniying unlawfull etc and on lewis' site it says send another letter just to say you belive they r unlawfull an you will start court action in 7 days. Do you think i should put in it that i have previously won 4K from NatWest so they know i no its unlawfull?

I thought maybe its worth a shot to save goin thru the court process..

Any thoughts????

Steph X

lucid · 8th February 2007, 20:22

Hi Steph,

The next letter you need to send is a Letter Before Action - not sure whether this is what it is called on the Martin Lewis site as I haven't even seen those letters - but if it isn't then I think you should use the template from this site (Letter Before Action). It won't cause any problems to and ideally you should give them 14 days before you begin action - it shows the court you're giving them a chance to settle.

I don't want to seem like I'm being really negative but there's no point in referring to any claims against other banks previously as it becomes irrelevant when you're dealing with a different bank, and they won't pay any attention anyway. It certainly won't make any difference to your claim.

Just proceed as normal and you will get there. Good luck.

Lucid

Angry_Princess · 8th February 2007, 20:37

Ok thanks, ill stick to the point ha ha.

I have already sent the LBA that was my 1st cus i had charges up on internet bankin so didnt need to request em.

The martin lewis site says you can send a 2nd letter b4 u start court action just as a final warning i spose to attempt to settle b4 you have to start court stuff.

davethorp · 9th February 2007, 10:37

The first letter should be a preliminary approach to the bank to refund the charges giving them 14 days to do so.

If after that they have not responded or not responded favourably you then need to send an LBA giving them another 14 days notice of your intention to file a claim with the court.

If they do not respond or do not respond favourably to that then you file a claim.

You may want to read the help sections and library where there are many posts to help you along your way as well as templates for most of the letters you will be sending to the bank, court and SCAM

Janet-M · 11th February 2007, 00:13

Hi , I think before you do anything else you need to read the FAQ's here .

You also need to work out if you will be following another sites advice or this sites advice and stick with your choice , as you say another site is giving you different time scales .We advise 14 days for your prelim letter and 14 days for your LBA letter this is because you have to show that you have tried to settle your claim and court action was the last resort .A court will look at 28 days being a reasonable time .

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