Seahorse post number two edited dose that make it clearer for you??

you could be in for a long wait then. My settlement letter from the bank arrived 3 weeks after settling my claim in full with cobbets. The letter From RBS was an offer to settle in full minus the interest. hope this has cleared it up for you. good luck with your claim

update on my claim i have sent LBA today so Mr udy will have it tomorrow. i gave him an extra week cos of the settlement offer arriving tow days before the deadline and i wanted to give him time to respond to the rejection letter. i have sent the insulting cheque back with the LBA to. Just thinking ahead here but dose the POC for a credit card follow the same lines as the POC for a bank claim?? if not could some one point me in the direction of a good POC for a credit card. any advice would be gratefully received.

hi samchalk you should start by reading the FAQ's and the step by step guide. you should take a few days reading thur them as there is a lot to take in. then when you are ready to start you should start a thread in your banks forum where you will get all the help that you need. click the links http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/ http://www.consumeractiongroup.co.uk/forum/bank-templates-library/ hope this helps good luck

hi if you don't get that letter just send your SAR request and just put in it your name,Address, D.O.B, and some proof of ID. i did this with cap one and had no probs getting my statments from them. godd luck with your claim.

funboy you should have a look at this letter it may need a bit adding to it but i think it will help you http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html#post200477

this is the rejection letter i sent to cap one. have heard nothing back from them so LBA is on it's way tomorrow a long with the cheque they sent me. Mr R Udy The Executive Office Capital One Bank PO Box 5281 Nottingham NG2 3HX Re: Account number. Response to settlement offer. Dear Mr R Udy Thank you for your letter dated 14/03/2007 I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £1447.99. In addition to this I require the default notice to be removed from my credit record. As you know I only had a £200 credit limit on my account and did not have the facility to spend over that limit. The only reason my account went over this amount is purely because of unlawful penalty charges levied onto the account by Capital One Bank. My letter previously indicates that you have 14 days to comply fully before I commence a claim against you for the full amount, plus interest and cost. You are reminded that there will be no extension to this timescale. I trust this clarifies my position.

no you will be ok. it took me two weeks to file my claim against RBS cos of money issues and still won the full lot

thanks tideturner i will look in to it more. one question i do have is is it best to use the inforamtion commissioner or go throught the courts or even do both.

hi raminco you should have a read of the FAQ and start a thread in the halifax forum you will find a lot of your answers in there. http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

thanks mochamoo got your pm and the link will help loads

hi thanks lateralus thought i had seen that some where.

Hi everyone I’m helping out my mother-in-low with her claim but HSBC have decided not to play ball with her. She has sent an SAR request which they have not complied to they are now out of the 40 days and we have sent the non-compliance letter giving them 7 more days but still nothing. we are going to submit a complaint to the Information commissioner. And all so go to court in order to got the statements, the thing I need help with is the POC for the court as I’m unsure what I need to put in it so could anyone that has dealt with anything likes please give me some advice.

Hi everyone I’m helping out my mother-in-low with her claim but HSBC have decided not to play ball with her. She has sent an SAR request which they have not complied to they are now out of the 40 days and we have sent the non-compliance letter giving them 7 more days but still nothing. I am going to submit a complaint to the Information commissioner. And all so go to court in order to got the statements, the thing I need help with is the POC for the court as I’m unsure what I need to put in it so could anyone that has dealt with anything likes please give me some advice.

was thinking i would send a rejection letter telling to offer me the full amount AGAIN :grin: