Getting angry

[gibbs]

Hi Folks,

 

Have had telephone call with silly offer for £400 against charges of £4,125, backed up by a letter today with all the normal bla bla trying to put me off.

 

I have already sent the letter before action, so I guess its time to ctart a claim going?

 

Should I respond however accepting the offer, and laying out my intention to go to court to recover the rest?

 

I would also like to (if advisable) state in the letter that I will give them 7 days to pay in full or I will beging a claim without any further communication. Would this be ok?

 

Claire

[pmhread]

Up to you whether to accept as part payment or not. If you are on the last stretch of the 14 day LBA then I would wait until that's up then issue the claim. I wouldn't even waste a stamp on them tbqh.

[ScotsJamie]

YES! That would be fine! So long as you have it in writing from the bank that they are not prepared to offer you any more than that poxy amount then I would say..........File the court claim and watch them bend over backwards to get your money back to you.

I would wish you luck, but you dont need luck. All you need is some patience and a small amount of time to fill in the forms and the money is yours!

I will watch your thread !

Jamie

[gibbs]

Just to let you know, I am claiming from all my cards, had a couple of offers which I have rejected, interestingly though not one have replied saying NO!!!!!

Capital One settled in full today after the initial letter£248

[gibbs]

Filed my claim for £4,425 last week, been notified today that Halifax are contesting it. Will it court does anyone think or will they back out at the last moment?

[thewifeandI]

They almost always back down before going to court because they don't want to be forced to reveal the true (minimal) cost of these breaches (ranging from 0p to £1.50 max).

[gibbs]

Hi Folks,

 

Got my first outright No today from BOS. However am I right in thinking that what regardless of what they say re- agreeing to their terms and conditions etc, because their charges etc have now been deemed unlawfull etc that I this actually relates to the charges they have already levied against accounts, so telling me I don't have a case is rubbish?

 

Also have filed claim against Halifax and just wanted to check- although I know I am claiminf my court costs of £120 from them- if it doesnt go to court will they still pay the costs?

 

Just wondering as If I have to file a claim against BOS also, the court costs will take a big chunk of what they actually owe me, and unless I get to court are they liable for this if they settle before court?

 

Hop this all makes sense.

 

Claire

[thewifeandI]

The rejection is standard practise to try and cut the number of people claiming - many of those who do not understand what they are doing might give up at this stage.

 

Even if the case doesn't actually go before a judge the court fee is still part of the amount you have had to pay out to get them to pay your money back, so must be repaid as part of the settlement (otherwise you tell the court that it hasn't been fully settled and ask for default judgement on the balance outstanding). You can also include postage costs (recorded/special delivery), DPA fee (if paid) and 8% s69 interest in your court claim.