Hiya JS

 

Welcome to CAG.

 

In my signature is a step by step guide. It shows you everything you need to know.

 

They have 14 days to respond to your prelim letter, then another to respond to your lba. (most of the time they won't).

 

You don't need to give them extra time. If they still havn't responded at this stage then you file at court.

 

Have a read, then you can see where you are up to.

Many Thanks.

I have now got a template for an LBA letter, so will send that off by recorded post. The template I have says:

"...therefore the [insert name of court] court will rule in my favour"

Can I just insert the name of my local court, or do I need to do anything beforehand?

Thanks, will have a look at that link.

I sent it by standard first class post - would this make a difference, unless of course they claim that they havn't received it?

I began the process of claiming my bank charges back from Natwest at the end of last month.

I used a letter from MoneySavingExpert and their interest charge calculator to work out that I have been charged just over £3,500 in charges over the last 6 years.

I sent the letter to Natwest, outlining all the charges and how I calculated interest on 1st October, giving them 14 days to reply, but as yet I haven't heard anything back from them.

As I'm a reasonable kinda guy, I'll give them the benefit of the doubt as there has been postal strikes, so I'll give them a few more days to respond.

BUT..what should be my next course of action, should I not hear from them within reasonable timescale?

Apologies for the loooong first post!