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Tallcmp

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About Tallcmp

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  1. Hello All, I sent my prelim last weekend so the 14 days is up next weekend. I have a couple of questions re planning what next and any advice gratefully received: 1) I claimed £5143 for six years before discovering the limit in Scotland is five. Should I adjust my claim amount in the LBA to make it completely ligitimate or stick to the £5143 and see what happens? 2) Martin Lewis' LBA template letter offers 7 days before filing and I notice the CAG template is 14 days. Is 14 days generally seen as more reasonable on our part and more likely to be looked upon as good practice by
  2. Posted this on HBOS thread, but wondered if anyone here had any views: Hello All, I've just sent off my letter asking for a refund and it's a pretty heft £5143. So I'm thinking about what to do next. Assuming I get a 'pat on the head and go away' letter, I'll send a letter before action. My question is: what action? Me and the bank are in Scotland, so I think I'm stuck with the £1500 Summary Action limit. I don't want to file four separate claims one after the other as I've read a couple of things about the banks insisting that the first £1500 claim is final and/or petitioning t
  3. Hello All, WOW! What a supportive bunch! Just been tipped off about these threads in a general post and really enthused by the other HBOS postings. I've just sent off my letter asking for a refund and it's a pretty heft £5143 I'm asking for from BOS. So I'm thinking about what to do next. Assuming I get a 'pat on the head and go away' letter, I'll send the LBA. My question is: what action? Me and the bank are in Scotland, so I think I'm stuck with the £1500 Summary Action limit in Scotland. I don't want to file four separate claims one after the other as I've read a couple of th
  4. Hello All, I've just sent off my letter asking for a refund and it's a pretty heft £5143. So I'm thinking about what to do next. Assuming I get a 'pat on the head and go away' letter, I'll send a letter before action. My question is: what action? Me and the bank are in Scotland, so I think I'm stuck with the £1500 Summary Action limit. I don't want to file four separate claims one after the other as I've read a couple of things about the banks insisting that the first £1500 claim is final and/or petitioning the court about the pursuer abusing the small claims system. So the next
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