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Hi my account was also closed and they replied with their standard bog of letter 5 days after they received my LBA although they did ask that I give them details of the charges which I did and I also said they could have a furhter 7 days to return the money to me or else...... Court proceedings so they have 6 days left before court bring it on.....

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I got an acknowledgement from HBOS from my prelim letter within 4 days and then nothing ...... have just sent off my LBA today so 14 days and counting or it's the Sheriff Courts we go ......



I will not be held liable for any advice/comments given... if in any doubt please consult professional advice.


HBOS Acc1 - Small Claim Filed 31/07/06 - WON -21/8/06 - MCOL -06/09/06 - WON 13/09/06


HBOS acc2 -Small Claim Filed 02/08/06 - WON 13/09/06 - Round 2 Prelim Letter sent 14/09.06 - LBA sent 27/09/06 - MCOL 16/10/06


HBOS acc3 Prelim Letter sent 14/09/06 - LBA sent 27/09/06 - MCOL 16/10/06

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Just received a standard fob off 2 days after handing into local branch!!


Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

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Guest willowb

Hi debt girl, I didn't receive a reply for my first letter either, it musn't be unusual for this to happen.

I received 3 'stalling tactic' letters to my LBA and I actually gave them about 4 weeks....then I get the 'NO CHANCE!!' letter and filed my claim.

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