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Posts posted by dangler8


    Just to complete this circle. Posted acceptance Friday 27th recorded, maybe not a good idea over the weekend but did any away. Checked they received it Monday 30th. Account credited with £3375 today Thursday 3rd.

    Many thanks to all, especially T4FF the honorary scotsman :D .

    Watch out for Dangler8 Pt2 "The Revenge"

  2. The choice is up to you lornac, if you wait it out you will get a full refund of charges, many many people have gone this route to prove it. If you go for summary court action you will gain 8%, but the time scale may be considerably longer, more stressful and you will have the legal paperwork to attend to. In saying that there are plenty of experienced people in the forum who will help and guide you along.

    I keep saying this, the choice is yours and yours alone to make, go the route that suits you best. Either way you will get your charges refunded :)

  3. Congratulations on getting an offer, its fair to say if you sign the acceptance letter as is they will have you by the b---s in the future. Many advise accepting by composing your own letter of acceptance on your terms. Whether this delays payment I dont know. Many others accept the letter as stands. Its a grey area and your choice. Do the thing you feel is right for you. :)

  4. The basis of your claim must reflect the accuracy of your schedule of charges. I agree with alibobsy to wait for written offer. In the meantime you should re-check your schedule, as you say you may have claimed for charges which are not recoverable.

    If their offer is correct you will have no grounds for refusal.

    Patience is a virtue :)

  5. Hi rocker, maybe Ive missed something in your thread but you dont say if your in Scotland or England, small claims limits in each differ drastically. Also you said your charges were £3727, is that basic charges or plus interest.

    Many of us have had full basic charges paid out at about the 8 week period.

    It is always up to each individual to decide if an offer meets their goals and not be swayed by advice.

    My own decision to go for basic charges was based on financial needs, time scale involved and lack of confidence to pursue what could have been a long drawn out legal scenario bcause of Scottsh claims limits.

    Good Luck

  6. Its just a chance, but you have to allow for the fact they may not have received your first letter. That would make your next recorded del letter their first, and that was only three weeks ago. I would send an LBA recorded delivery now and start the countdown.

  7. Hi tallguy79, I sincerely wish you all the best with your claim, which will no doubt be successful, especially with the help of the help of the experienced members in the forum.

    Just a point in general, when anyone is starting a thread would it not be more beneficial if more detail was given, ie whether a claim is in Egland or Scotland, basic charges £xxxx, and calculated interest £xxxx giving claim total £xxxx.

    This would help members follow threads more easily, ensuring the best advice is given. Also help newbies starting out to understand the claim system.

  8. I agree with T4FF, it is wiser to compose your own acceptance letter without the reference to future charges. That said I would presume many have signed the banks version and It will be down to interpretation if a fresh claim for historic fees violates the agreement.

    For anyone who has claimed charges on a closed account and won, I would say give it a try.

  9. Thats good to hear, many people dont even get the bog standard " investigating you complaint" blurb. I keep saying, if your claiming basic charges without interest you will get the full amount, many many people have. :)

  10. Personaly I would have stuck to basic charges only, but its your decision. Read the mcuth thread to see the many problems you will be faced with claiming C.I. I think you will find that firms offering to take on your claim may only go for basic charges, with 8% if it goes to court.

    I reckon options 3 & 4 are no go. Try phoning or e-mailing bank

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