Thread: Request letter typed but worried

After looking at this issue repeatedly over a couple of months I have finally bitten the bullet, dug out my bank statements and been shocked at the amount of charges I have incurred. I know I should request the full 6 years of statements, but think that if I do this I will end up not doing it at all so I have put in a request based on the information I have to hand, which comes to £3090.50 since October 02 despite having a years statements missing. The letter is sitting waiting to be taken to the Post Office to be sent recorded delivery tomorrow, but I am beginning to get worried that my claim may not be valid because I haven't got all the information.

I know I have to get over the guilt that I should be paying these charges, mainly bounced D/D, but I know that if I wait to apply for the bank statements I'll convince myself not to apply. I'm sirry to waffle but I'm really not sure what to do for the best.

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It is entirely up to you what you claim - it is your money, that has been taken out of your back pocket unlawfully.

Claiming for the period you have will not cause you any problems, other than the fact that you will be missing out on getting some of your money back.

Whatever you decide - be assured that you have thousands of people behind you. Please keep us updated with your progress.

Well, think what you could do with the money... A nice holiday? Or maybe just enough to pay off some credit or store cards, and drop your overdraft to nothing? Would it be a drop in the ocean or a life-changing amount, or somewhere in between?

Maybe treat someone you love to a special outing. Maybe giving the car a top of the range service.

Forget about guilt. They're more guilty than you are. All these years, they took your money and made you feel bad about it. The cheek of them. You were guilty of carelessness. They were, and are, guilty of wilfully misleading you into thinking that you should be more careful when all along they WANTED you to go over so they could whack you great big unlawful charges. And you'd let them get away with it?

Go for it. You have NOTHING to lose, and over 3 k to gain. A bit of a no-brainer, isn't it? And for moral support, you have US. Go on. If you get into the spirit of it, it can even be fun. Trust me on that. And if you don't trust me, read my threads. I've had my money back. And I have had fun getting my own back, in more ways than one.

alijolly, take my word for it, there is absolutely nothing to it. You'll send off your letter, and they'll write back telling you to get lost. You'll start proceedings, and they'll give you your money back. End of story.

And as Bookworm and Alan pointed out, there are plenty of people on this forum who will be happy to give you all the support you need.

Good. Steady as she goes...

It's up to you, but having sent the lba I would do absolutely nothing further. It's up to them to get their internal communication sorted out. The LBA is quite specific in its terms, so they know what they have to do to avoid court. If they do nothing and you send them a summons, they'll get the message pretty quickly. Remember, you're dealing with the 'organisation', not the individuals within it. The more you write to them and go to the trouble to make sure specific individuals within the organisation have seen your letters, the more opportunity you give them to debate it and cloud the issues.

Just a suggestion.

Well, speaking from experience, if you've sent the company an opening letter, followed two weeks later by an lba, followed two weeks later by a summons, they're not in a position to turn round and say that thye weren't aware of it. I always address letters to the company, and send them to the Registered Office.

If you go into most shops that are part of a chain, you'll usually see a notice somewhere near the door which says something like "This shop is Owned by Dixons PLC, registered office Dixons House, 21 High Street, Leeds. This is the address at which documents can effectively be served". This means that if you want to send them something legal, you can send it to the registered office and it will definitely be dealt with. The danger with addressing a letter to an individual within the organisation is that it has a greater chance of going astray, because that person might not be the proper person to deal with it, or they might be on holiday, or have left, or whatever. If you just address it to the organisation then it's up to them to direct it to the proper person.

If I were in your position, having sent the lba I would be doing absolutely nothing until that deadline runs out. If and when it does, you follow the procedure exactly as laid out in the FAQs. Remember YOUR claim, YOUR timesacales. don't let them hijack it.

No problem! The first time you do something like this it can seem a bit intimidating because we've all been conditioned to believe that big companies are more powerful than they actually are. The absolute worst that could happen is that you get to court and they turn round and say that they knew nothing about it. All you would need to do is show the judge the letters you've sent and he would probably be satisfied. He would probably just adjourn the case for a few weeks to give the other side a few weeks to catch up, rather than just throw it out. This assumes of course that they actually decide to defend it all - which considering what's been happening to other people on the forum seems unlikely!

I now feel physically sick because today, after much soul searching, I decided I wouldn't be happy to accept their offer and filed my moneyclaim for the full amount. It means things are going to be very tight financially for a few weeks but hopefully it will all be worth it in the end.