I have submitted the letter before actionto Lloyds
, the only problem is I have sent this instead of the first letter asking for a refund. Now I need some advice on how to get out of this as it looks as if I have just dived in to the threats before even trying to get an amicable arrangement. If I go to court this may go against me.
Any advice on what sort of letter to send would be very help full.
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