oops! treacle

BTW that's tracle I'm wading through at the moment or at least it feels like that:eek:

Thanks pinkdutchess, I will have another poke around & see if I can locate some of celicaman's posts. I don't wish to put my claim in jeopardy by appearing greedy but then they have charged me this amount over the years:mad: I felt it only fair to repay the compliment:D

Hi there, after several months I have finally decided to take the plunge and was wondering if I am correct in sending the letter to my local branch as I though I may get a faster/ less educated response from them. Also in my initial request I am asking for 16% as this is what they have been charging me on my unauthorised overdraft. This now totals just over £2,700 Does everyone think this is acceptable or have any pearls of wisdom or experience to offer me? From what I understand you normally leave the 8% interest until court but if I apply the 16% now I will not be entitled to claim the 8% when it reaches this stage. I have already printed off the letter and spreadsheet to post by recorded delivery tomorrow so if I haven't heard any reason why I should not send it by lunchtime I will be racing round to the post office - finally! Thanks for reading - fingers crossed all will go to plan. I think if this works out as I hope I will need to change my name to just 'lil' fagashlil

Hey who is that banging on my door?

Hmmmmmmm, think he might have been trying to help us all really? LIL XX. I was seduced by him at any rate

Thanks tamadus for your reply. Lil.

sorry but recorded delivery appears full of loopholes and flaws to me

Forgive me if I am wrong but if you put without prejudice at the top of the letter sent by yourself this means they cannot present your sent letter in a court of law as evidence? Does this allow you to produce your own copies/ produce the originals as evidence of letters you have sent to them if you need to? Also how would you go about proving you have sent such a letter? i.e. get post office worker to confirm & sign on a separate sheet held by yourself the contents of that sent by R/D (& give their details) prior to posting by recorded delivery

..

Hi Laiste, good to hear from you. I am just about to begin the process myself and hope I don't encounter any of the problems that you and your husband have so far. However I know where to come if I do:) With so much going on at the moment I can imagine it is hard to stay focused. As someone else has already said keep your chin up. I have to say this is an amazing site and we are so lucky to be able to come here for information/ support and fight those institutions who have contributed to much worry and misery for people. Take care. LIL

Hi Laiste, hope you are not still poorly. Have just read your thread & wish you all the luck in the world with it. LIL.