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Should I bother sending the 'letter before action'?
I have already sent a preliminary letter to Lloyds TSB, which resulted in them referring me to the T&Cs as expected and saying they won't pay up. However I did not include a schedule of charges with this at the time and simply asked for refund of 'all charges', although I did say I would not enter into further correspondence and would go to court if they declined my request.
Should I now send them a letter before action including a schedule of charges (as they have not previously had this), and give them time to reply again OR should I just go straight for it and fill in the Money Claim on Line papers and start the court action?
Would prefer not to give them the opportunity to delay further but can I go straight to the court stage when they have not previously had the schedule of charges bit?
Re: Should I bother sending the 'letter before action'?
Hi Sarah.
Before you start please have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later.
Then look at other threads in your bank’s forum, so as you know what you can expect to happen.You do need to follow the instructions on this site.
You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily.
There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time
This is a self-help forum and you must be prepared to put in time and effort. It is your claim, your money and you cannot expect others to do all the work for you.
When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help
Remember: The Ark was built by amateurs-The Titanic by professionals.
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Re: Should I bother sending the 'letter before action'?
Hi. You really need to read up on this, as your question indicates that you do not seem to know why we say to send 2 letters. You've already made one mistake, so I would strongly suggest you slow down and make sure you know what you're doing before proceeding.
You had kissed goodbye to that money for ever, what's your hurry now? Know what you're doing, you are far less likely to panic later on in your claim. ;-)
Apologies to people who I was in the process of helping, I may be gone some time.
Should I bother sending the 'letter before action'?
TSB, which resulted in them referring me to the T&Cs as expected and saying they won't pay up. However I did not include a schedule of charges with this at the time and simply asked for refund of 'all charges', although I did say I would not enter into further correspondence and would go to court if they declined my request.
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Know what you're doing, you are far less likely to panic later on in your claim. ;-)