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JD v's BOS


jdonaldson
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Sent my initial request for repayment of charges for £270 couple of weeks ago - got reply offering me half back today.

 

Quite impressed from first letter!

 

But...of course I am due back £270+ £60 interest (if it goes to court) so that is £200 difference..

 

LBA sent tomorrow :)

CAPITAL ONE Amount owed £480+ interest £52.95

Prelim 10th July 06

Reply with £12 difference offer of £168 27 July 06 Replied 9th Aug 06

Another reply from them 25th Aug 06 LBA sent 9 Sept 06

Reply of last offer for £168 received 28th Sept

Finally filed court papers 4 July 2007

 

NATIONWIDE Amount owed £507 + interest £27.98 WON :D

Prelim sent 9 Sept 06 LBA sent 9th Oct 06 Court papers filed 20 Oct 06 Won 15 Nov 06

 

BANK OF SCOTLAND Amount owed £275 SETTLED IN FULL

Prelim sent 14 Oct 06 Offered half refund 28th Oct 06

Sent letter refusing part payemnt 31 Oct 06

Full refund sent in a cheque from BOS on 3rd Nov 06

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you should stick to the timetable you gave them, rather than waiting for their reply

-----------------------------------------------

Mortgage Express charges- settled in full after issuing claim

 

------------------------------------------------

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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Sending them a thanks but no thanks letter - willing to give them another chance before I send the LBA :)

CAPITAL ONE Amount owed £480+ interest £52.95

Prelim 10th July 06

Reply with £12 difference offer of £168 27 July 06 Replied 9th Aug 06

Another reply from them 25th Aug 06 LBA sent 9 Sept 06

Reply of last offer for £168 received 28th Sept

Finally filed court papers 4 July 2007

 

NATIONWIDE Amount owed £507 + interest £27.98 WON :D

Prelim sent 9 Sept 06 LBA sent 9th Oct 06 Court papers filed 20 Oct 06 Won 15 Nov 06

 

BANK OF SCOTLAND Amount owed £275 SETTLED IN FULL

Prelim sent 14 Oct 06 Offered half refund 28th Oct 06

Sent letter refusing part payemnt 31 Oct 06

Full refund sent in a cheque from BOS on 3rd Nov 06

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the template letters and their time scale has a proven track record but if you want to divert it is your choice.

 

the letters are giving them enough time to make an offer.

 

if you send letters which in effect is stalling, they mightnt take you serious.

-----------------------------------------------

Mortgage Express charges- settled in full after issuing claim

 

------------------------------------------------

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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YES!!!!

 

Got a letter from themtoday with a cheque for full amount!

 

Am totally shocked this after just the initial letter and then a no I want all of it back please!

 

Is this the easiest quickest success?

CAPITAL ONE Amount owed £480+ interest £52.95

Prelim 10th July 06

Reply with £12 difference offer of £168 27 July 06 Replied 9th Aug 06

Another reply from them 25th Aug 06 LBA sent 9 Sept 06

Reply of last offer for £168 received 28th Sept

Finally filed court papers 4 July 2007

 

NATIONWIDE Amount owed £507 + interest £27.98 WON :D

Prelim sent 9 Sept 06 LBA sent 9th Oct 06 Court papers filed 20 Oct 06 Won 15 Nov 06

 

BANK OF SCOTLAND Amount owed £275 SETTLED IN FULL

Prelim sent 14 Oct 06 Offered half refund 28th Oct 06

Sent letter refusing part payemnt 31 Oct 06

Full refund sent in a cheque from BOS on 3rd Nov 06

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