LBA templates?

[doolally lady]

Can anyone kindly point me in the direction for the templates for any Letter Before Action (LBA) as I have a feeling that I may need one shortly. Also, is this the letter that is sent after the Final Response letter is received when there is no recourse to the FOS.
Thank you for any and all help advice and pointers that I will receive.
(Any extra advice that you think I may need before going down this route would be gratefully received as this is not doing my ulcers any good, lol)

Regards,

Doolally

[adamski]

I would send something like this delete as you see fit.

LETTER BEFORE ACTION

I purchased the above policy from you in but now believe that I was mis-sold this policy for the following]:


This is due to the fact that your member of staff did not ask me about any previous medical conditions I informed your member of staff that I had previous medical conditions but they did not inform me of the effect this could have on the insurance when the policy was sold.


This is due to the fact that you have been fined by the FSA for failing to treat your customers fairly when selling Payment Protection Insurance and I do not believe that my policy was sold in my best interests.

This is due to the fact that I was not given the correct information when the policy was sold to me,

• your salesperson stated / implied that taking out the policy would assist my credit application.
• your salesperson was very pushy in selling me the policy so that I felt I could not say no.
• your salesperson did not tell me that the policy was optional and I have since realised that I have alternative insurance cover.
• your salesperson stated / implied that taking out the policy was essential for me to get the associated credit even though I informed them that I already had alternative insurance cover].
• i am concerned the sales assistant that sold me the policy has no financial background and the policy was not sold in my best interests.

Unless you can satisfactorily justify to me that the policy was fair and reasonable I am requesting a full refund of all premiums, and subsequent interest on these payments, that I have paid to date. As I believe I have been deprived of this money I also expect 8% statutory interest, the amount a court would award, to be added to each payment made.

I require repayment in full of this money and removal of the default notice. If you do not comply fully within 14 days, I shall begin a claim against you for the full amount plus interest, plus my costs, without further notice.


Yours faithfully,

[alanalana]

Hello doolally lady..

another link to LBA to help you out..
aa

[alanalana]

Hello doolally lady,

another LBA template to assist.

3. Letter before action - Consumer version - asking for it back

this is probable though from the illegal bank claims issue so may need to be refined.

aa

[doolally lady]

Hi AA,
Many thanks for your help, will start to get one ready so that I'm prepared. Will probably be back for advice tho', lol.

Regards,

Doolally