HI

I sent off my sar to my branch and at the eleventh hour got my statements.

I wrote initial request for repayment which was unanswered and have since received a letter saying that their charges are legal etc.

However they are saying that they haven't received my original letter or details of charges disputed and have asked for this information so that they can investigate.

What should i do-ignore and raise small claims or resend my original

Any adice greatly appreciated

Have you just sen the preliminary letter or have you sent the Letter before Action too?

This is why you should really send the letters recorded delivery.

Send them a copy of the letters but proceed with your timescale.

Sorry>i sent sar and letter before action,both recorded delivery.

You seem to have missed out the preliminary letter stage and jumped straight to the LBA. If I were you I'd send another LBA, giving a further 14 days making sure you include your schedule of charges so they can't dispute you've sent all your information and given them sufficient time to settle before it gets to court stages. If you were to file a claim now, the bank would be able to contest that you did not give them a fair amount of time to deal with the matter. You have to be seen to be doing all you can to keep the lines of communication open and playing fair. If it ever did get to court you can be safe in the knowledge you have done everything by the book on your part.

Make sure you read, read, read! This will help:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-claiming-back-your.html

Good luck!

Thanks for support and I apologise for not making it clear

I have sent preliminary letter (recorded delivery) with my breakdown of charges

There was no reply to this and after 14 days I sent LBA recorded delivery and with breakdown of charges

The reply from the bank arrived almost bang on 14 days from the receipt of this,claiming not to have received first letter and offering to investigate if I let them know which charges I am disputing