Have sent my prelim letter giving the 14 days, got a refusal reply today (7 days later). Can i send my LBA now or wait for the 14 days to expire? Anyone?

Am preparing my initial letter and am wondering what interest % to add. What is an appropriate amount that isn't over the top?

Have spent the night in the attic looking out old bank statements, am only missing three out of the last five years. Totalled the charge on the ones i have (£3300), do i wait for the missing ones or can i go ahead with maybe 1 or 2 missing? Quite happy to go for £3300.

Am going to go with FOS as charge total £2k+, when sending the prelim and LBA letters do i threaten with court action or with FOS?

Having spent time looking at old threads etc i would like some advice and encouragment as to my course of action.

Sent my 'Statement Request' letter in late March.

Cheque was cleared 13th April.

As of today no statements, reminder sent today.

Estimate charges to total £2-3k

Next step send the required letters

Once deadline of LBA letter past/final offer recieved contact FOS.

Does this sound like i've got things in hand or am i way off the mark???

Thanks in advance

Hello,

I have just joined CAG today. The story so far: Have sent letter to HBoS asking for statements (late March) and my cheque cleared my account on the 13th April. Sent them another letter today reminding them of my request and that they have until 23rd May (40 days from cheque being cashed)or i will be contacting the IC. I estimate that over 5 years ive paid ~£3000. A couple of questions:

1)Advice as to whether to stay Small Claims and go for only £750 or go higher for £1500. Obviously want as much as possible with minimum risk possible.

2)May sound stupid, but if staying Small Claims, is the £750 total or can i add the interest on to that figure?

Any advice or links would be most appreciated.