I sent my LBA on 6th December and heard nothing until today when I received a letter from Sandy Watt in customer relations apologising for not responding sooner and asking that I bear with them as they are currently investigating and will respond as soon as possible. I had the court summons prepared before this letter which I was going to hand in to the court on Monday. Should I proceed with the summons, wait and give them some more time or phone customer relations and tell them unless they pay up I will proceed with the summons?

Any advice is appreciated.

Yes proceed with the summons, Keep to your timetable. they will delay you as long as possible.The quicker you proceed the sooner you'll get your cash.

Best wishes.

Scott.

I decided to phone customer relations to hear what they had to say which of course was a waste of time. They are considering each case individually and due to the volume they can't give any timescales as to how long it will take to consider mine. I feel a bit of an idiot for allowing them to delay me but am going to hand the summons in next week. Am I correct in saying that with summary cause I have to wait for the papers to be sent back to me with the return date and then I have to get a sheriff officer to serve them on the bank? How long does it usually take the court to send the papers back and do they then have to be served on the bank within a certain time?

Any help appreciated

Hi, Tanzi.

Yes the court will send your Summary Cause papers back to you in about 3 to 4 Days. They also give you a list of Local Sheriff's Officers who will serve the claim for you. You have 21 Days before the return date on your papers to serve the claim.

Hope this helps.

Regards.

Scott.

I have been out of the country for a month and just got back to find a letter from Sandy Watt at customer relations offering £1410 in full and final settlement of my claim without admission of liability etc. The actual amount claimed is £1298 charges plus £421 interest, total £1719. Their offer does seem reasonable but I am thinking to phone them to see if they will pay the full amount or at least increase the offer. The return date for the summons is 27th February and after phoning the court yesterday I know they have not submitted a defence yet. Should I hold on and see if they put a defence in, as if they don't I win by default, or should I contact them now to see if they will up their offer?

Any advice appreciated

Best bet is to just respond either by phone or mail accepting it as partial settlement and state that you will be looking to claim the full settlement.

I decided to accept their offer and wrote saying I require payment by cheque as the account they wanted to pay into is now closed. This was on 22 February but I have not received the cheque as yet. I have since learned after contacting the court that they intend to appear in court on March 6. It seems strange to make an offer and then defend the case in court. Not sure if their is some tactic here or if there is no communication between customer relations and their legal people, so it looks like I have to go to the court on Tuesday with their letter of offer which seems a bit pointless. Is this normal? Does anyone have any experience of this?