You dont wait for them stick to YOUR deadlines not theirs send them the http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html if more than 14 days have passed from sending your 1st letter Send by recorded delivery as well Saint

Like the sound of your midwife lol

Local butcher 'offered' to see to hubby .... he did say tho that his stitching wasnt very good so we opted for the 'vet' as well ;-)

If you have your statements then use the letters i posted earlier sticking to your timescale NOT B's as they will drag their feet all the way

Have you got your statements ? if not how did you request them ? was it by a SAR ( system access request) letter from here ? if so try ringing 0800 282 390 and speak to an advisor their i spoke to 'Wendy' who said she would print them off and get them in the post .. if you sent a s.a.r then follow up with http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

Ohhh they are well primed AND in about 6 different colours

Ive only got 2 have a daughter of 15 who doesnt give me any trouble (whish i could of said the same about my son at that age LOL)..... i found out what was causing it after my daughter and put a stop to it ;-) lmao

Just was feeling a little left out ;-)

We appear to have hijacked someone elses thread Tipsy .... maybe we should behave lmao I have a REAL good reason for having a drink this weekend tho my little baby boy is EIGHTEEN !!!!! on Friday ..... where did those 18 years go

Cant see it getting in there tonight now Caz hopefully it will be there when you wake up in the morning if not get back in touch with her and ask 'Where the HECK is my money' or words to that extent ;-) i know mine would be ALOT stronger

*looks behind her*

BTW ..... hoping to be tipsy on bacardi myself this weekend ... mind you im usually tipsy on bacardi every weekend lol

Tipsy beat me to it lol

what letters have you sent ? http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html If only the 1st then send the 2nd one if you have sent both then as soon as the 14 days are up start your court action either through MCOL or using N1 direct to your local court Hope this helps Saint

Update http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html Printed off ready for posting (registered/recorded delivery of course) tomorrow Getting really impatient now want to use my highlighters !!!!!

once our claim is settled we wont need the overdraft any longer as im sure that our charges will be substancially more than out present overdraft ... just wish i knew for sure as im STILL waiting for my statements .... have just printed off my letter of non compliance to send tomorrow

Stick to your timescale NOT theirs

*BIG GULP* at the thought of B's reducing our overdraft at this present moment lol

i would do as Tipsy says and keep dealings with B's to letters at the moment and follow the guidelines and timescales on here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html are the 1st 2 letters you will need Remember to send them registered/recorded delivery so B's cant say they didnt recieve them Hope this helps Saint

even if they acknowledge late they still only have 28 days from the date of service NOT 14 more from when they acknowledge

Try phoning the litigation team and see if the person dealing with your claim wishes to settle have a read of this thread http://www.consumeractiongroup.co.uk/forum/barclays-bank/77430-caz-barclays-woolwich.html as her date was in June

Not sure what the normal defence is of a business claim ..... but B's have been issuing an 11 point defence for customer accounts

Surely thats a retaliatory(?sp) action ???

Seems like ive missed a good mutual appreciation society meeting

LMAO