I sent my LBA special delivery which had a guaranteed delivery date of the 23rd November. I receieved a letter yesterday dated the 27th November saying that they would get back to me within the next two weeks which takes them 4 days over their deadline. They are obviously stalling for time! what I want to know is, is their a letter template I can send them reminding them that I require a responce within my original 14 day timescale or do I just wait until their time expires and begin my claim in court?

Any help would be appreciated as always.

if they do not respond within the timescale you have set which allows them adequate time then you should go ahead and issue a claim via the court system. do not let them stall you in the process. good luck and dont worry. they play this like a game just make your next move.

Mint have just settled my claim for full amount - LBA sent 21st November after they initaillay rebutted my claim. Their letter with cheque dated 29th November and received today. See my thread for full details - Tony v RBS Advanta. Hope you get similar result soon!

They came back to me yesterday but they have offered my only a part settlement. The reason they give for this is that they reduced their charges to £12 from £20 in line with the OFT's recomendtion. So they have only refunded the charges previous to the change.

Did they try this with you and if so what did you do?

No, they said "Although we have reduced our charges, (ie to the £12.00 suggested by the OFT), it is not our policy to refund late payment or over limit fees charged at the higher level (ie at their previous fee levels), however in order to bring this matter to resolution, I have refunded the charges stated in your letter ... for which I enclose a cheque."

So basically, they don't accept they were in the wrong, and say that they wont refund full amounts as matter of policy but then they paid me anyway.

Sounds like they are trying their luck with me then. I think I'll have a scout around and see if they have tried this with anyone else and if their is a template letter available to respond.

Cheers for the info