Thread: which template letters

I started out this process of reclaiming charges using the 'which.com' templates and have sent the letter which states I will proceed to the small claims court if they do not refund within 7 days. This date has now passed and I have discovered your site with different and seemingly better templates. I have not sent a schedule of charges to the Halifax just the total amount. How do I proceed now? Should I send the lba from this site with schedule of charges and then proceed to MCOL? This would delay the process a little and make it look like I don't know what i'm doing. Does it matter that I have not followed the procedure to the letter?

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I'm afraid I began the process of reclaiming Halifax charges using the templates from the 'which.com' website. I have since discovered this site and it seems I need to send a schedule of charges which I have not done. I have informed the Halifax that I will proceed to MCOL if no response in 7 days. This date has now passed. Shopuld I send the lba from this site with schedule of charges before proceeding to MCOL?

i would just to be safe.. they need to know how much you are claiming, or have you already supplied that figure?? If so, just carry on with the next step...

answered on your other thread..try and keep just one thread going.. No, as long as you have sent the letters in order and followed the basic procedure. I only sent the full list yesterday with my N1 claim to the court.. hope this helps

I sent them a total figure only with no mention of interest. I guess there's no harm in back tracking and sending another lba. It makes me look as if I don't know what i'm doing (which I don't) but they are still in the wrong and I'm due my money back!

as long as you have sent the letters in order and followed the basic procedure. I only sent the full list yesterday with my N1 claim to the court.. hope this helps

Thank you. Deleted the other thread. New to those as well! Should I say very confused! I'll send the MCOL with schedule of charges and copy it to the Halifax. Thanks again.

good luck Sharon.. if you need any help just ask, or go onto the Real Time Chat at the top of the page and the guys on there will always answer a question

I am just composing my lba. My charges add up to 2854.00. Interest charged on my account is 101.77, is this the figure I include as overdraft interest charged? Seems a silly question but I thought maybe i had to calculate something.

Help! Do I need to list each individual interest charge as with the Charges as Notified or can I just add total at the end of the list?

is the interest solely made up of that charged due to your bank charges?

You need to specify each charge i.e as notified if thats the only details you have about the charge, the date and amount, then at bottom a total.

You don''t include the 8% at this stage.

Moderator Note: Please stick to one thread, three merged.. thanks!

I'm not too computer literate and am having difficulty finding my wat around the site. can anyone tell me how I can find the second bank template letter. This is the one that informs the bank I intend taking action through the small claima court if they don't pay back my money within 14 days. So far they have ingnored my first letter which was sent on the 1st March

Originally Posted by bearo

Moderator Note: Please stick to one thread, three merged.. thanks!

Hello Seaside Lady,

Please forgive my tardiness in replying to your very helpful letter supplying me with your knowledge of accessing the template letters. I've only just returned to my computer; which indicates why I was experiencing difficulties. I simply don't use my computer often enough. it was most kind of you to take the time and trouble to reply and i look forward to staying at your guest house some day.
Regards,
J. Paul.
PS - Good luck with you bank challenge, assuming that is why you are on this site.