Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

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London
NW11 7PE
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  1. 14th November 2006 12:23 #1
    rijkaard rijkaard is offline
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    Default Sending letter before action - help!!!!

    Hello folks and thanks guys for a great site - about 100 of my uni friends should be accessing this site soon!!!

    Can anyone (Mods more specifically) advise me on what the second letter should contain. There is a lot to take in and I just don't want to mess up. I am sending the letter before actionicon as HSBCicon have not replied to my intial letter. I sent the spreadsheet with all costs - but no interesticon added in. Do I send that with this second letter?And anything else included within the letter before action I should not miss out on?

    Thanks again.

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  2. 14th November 2006 12:27 #2
    cadencealex cadencealex is offline
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    Default Re: Sending letter before action - help!!!!

    You just add the same spreadsheet you sent initially and the lbaicon template from the library says it all.

    You only add the interesticon when you get to the MCOL stage, 14 days from now.

    NEXT - sent CCA request - 15/01/09 - not received

    Capital One - sent CCA request - 15/01/09 - received CCA and also offer of £67 which I am not accepting.


    NatWest - sent s.77 letter complaining about default on file 15/01/09 - *WON* Default removed within a fortnight!!

    NEXT - 7/02/09 - sent further letter reminding them of breach of DP

    Cap1 - 7/2/09 - Accept part payment/reminder of default to be removed
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  3. 14th November 2006 13:02 #3
    rijkaard rijkaard is offline
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    Default Re: Sending letter before action - help!!!!

    Quote Originally Posted by cadencealex View Post
    You just add the same spreadsheet you sent initially and the lbaicon template from the library says it all.

    You only add the interesticon when you get to the MCOL stage, 14 days from now.

    Thanks very much. . .

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  4. 14th November 2006 13:13 #4
    rijkaard rijkaard is offline
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    Default Re: Sending letter before action - help!!!!

    Can I ask why in the letter before actionicon there is a line in the text saying "I calculate that you have taken £537 plus £XXX which you have charged me in overdrafticon interest for the sum which you have taken" if we shouldnt be claiming the interest?

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  5. 14th November 2006 13:23 #5
    bong
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    Default Re: Sending letter before action - help!!!!

    its the county courticon interest that you shouldn't be claiming until you make your court claim. you can claim part of the overdrafticon interest if it was caused by the charges.

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  6. 14th November 2006 17:23 #6
    rijkaard rijkaard is offline
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    Default Re: Sending letter before action - help!!!!

    Quote Originally Posted by bong View Post
    its the county courticon interest that you shouldn't be claiming until you make your court claim. you can claim part of the overdrafticon interest if it was caused by the charges.
    I was a student so alot of it happened while in an interest free over draft!!! But the bigger charges occured when it has had interest!!!

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  7. 14th November 2006 17:48 #7
    bong
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    Default Re: Sending letter before action - help!!!!

    well if you want to find out how much of the overdrafticon interest you can claim back you will need to use the advanced excel spreadhseet in the library.

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  8. 14th November 2006 18:10 #8
    rijkaard rijkaard is offline
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    Default Re: Sending letter before action - help!!!!

    Quote Originally Posted by bong View Post
    well if you want to find out how much of the overdrafticon interest you can claim back you will need to use the advanced excel spreadhseet in the library.

    But for the letter before actionicon i just send it without the interest anyways?

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  9. 14th November 2006 19:13 #9
    bong
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    Default Re: Sending letter before action - help!!!!

    no, you would need to send it with the spreadsheet I mentioned before if you want to claim back the overdrafticon interest.

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  10. 14th November 2006 23:13 #10
    rijkaard rijkaard is offline
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    Default Re: Sending letter before action - help!!!!

    Quote Originally Posted by bong View Post
    no, you would need to send it with the spreadsheet I mentioned before if you want to claim back the overdrafticon interest.
    Im confused - above I was told specifically NOT to claim back the interest in the letter before court action!!!

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  11. 14th November 2006 23:17 #11
    Mumofthreeboys
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    Default Re: Sending letter before action - help!!!!

    Quote Originally Posted by rijkaard View Post
    Im confused - above I was told specifically NOT to claim back the interesticon in the letter before court action!!!
    You can reclaim the interest you were charged as a result of the charges. It's the 8% interest that you only claim when filing at court.

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  12. 15th November 2006 10:25 #12
    rijkaard rijkaard is offline
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    Default Re: Sending letter before action - help!!!!

    Quote Originally Posted by Mumofthreeboys View Post
    You can reclaim the interesticon you were charged as a result of the charges. It's the 8% interest that you only claim when filing at court.
    SO can I know the exact spreadsheet I need to use please as I am sending it today - I only sent the total cost with my intial letter as I thought that was the correct process. I would like to get it right on life two!!! thanks again guys.

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  13. 15th November 2006 15:58 #13
    gunner1985 gunner1985 is offline
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    Default Re: Sending letter before action - help!!!!

    Quote Originally Posted by cadencealex View Post
    and the lbaicon template from the library
    How do i get to this????!

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  14. 15th November 2006 17:58 #14
    Mumofthreeboys
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    Default Re: Sending letter before action - help!!!!

    Quote Originally Posted by gunner1985 View Post
    How do i get to this????!
    Here you go, http://www.consumeractiongroup.co.uk...re-action.html

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