Gingi1 v First Direct

[Gingi1]

Hi All!

 

Well, I have received my statements and am in the process of calculating my claim.

 

Next I shall send my letter and the spreadsheet, but I am just wondering where to find the spreadsheet () I am having a blond day any help appreciated.

 

Gingi1

[pward33]

This is what you're looking for!!

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

[Gingi1]

Sent my claim and spreadsheet on 10th October. Received a letter today stating that they are willing to pay £900 (I have claimed £1700).

 

Is there a specific letter to send now, or shall I just write accepting the £900 as part payment and notify them that I will be pursuing the rest through the courts?

 

Any advice welcomed

[ashort]

There's a rejection letter in the templates section.

[Gingi1]

Thank you

[Gingi1]

Help! I am all confused, just typing out the rejection letter, but it states that I will accept the offer as part payment and will pursue the balance and they have until the date sent in the LBA letter to respond, but I haven't sent the LBA letter, I have only sent the first letter with a copy of the schedule of charges and they have made me an offer. What now?

[joebloggs]

Accept the offer as partial settlement, wait until the 14 days has elapsed from when you sent your firsty letter then on the 15th day send the LBA.

Dont let them dictate the timetable, from now on they follow your lead.

[Gingi1]

Thank you

[blueberrys]

Hi there.

 

Did you get a reply to your refusal letter yet? Just got a full offer after refusing the initial amt in full settlement last week. Have sent acceptance today and will now have to wait for it to hit my account (hopefully soon!)

 

If you are still waiting, hang in there - you have the right to all your money and they will give it to you in the end!!

[twoofus]

I always thought that if you send a prelim letter and don't get a satisfactory responce i.e. your full claim offered back, then you go straight to LBA regardless of whether they replied after 1 day or on the 14th day. What I mean is, you don't have to wait 14 days if they reply to you before the 14 days is up, they have a max of 14 days to reply but if they reply sooner you can send your next letter straight away.

 

Did that make sense???

[blueberrys]

As far as I understood it, having given 14 days in the preliminary letter, this dictates the timetable for the LBA - it is possible, albeit not likely, that they might make further contact within that time frame and shows you have given them every chance if you have to take your claim to court. My LBA went with the partial acceptance because the 14 day period was up at that time.

[Gingi1]

Hi there,

 

No, they have come back with another offer excluding interest. I am sending the LBA tomorrow - fingers crossed.

 

Will keep you posted and congratulations on your win!

[Gingi1]

I have also sent a letter to First Direct asking for 6 years worth of credit card statements, copies of signed loan agreements and proof that the PPI I was 'mis sold' was not infact 'mis sold'!

 

I had a separate policy which I paid into for years to cover my salary if I was unable to work for any reason, but was informed that I had to take their policy or not qualify for the loan. The only trouble is, my loans are all pretty old. I'm going to give it a go though.

 

If they didn't hate me before (claim going through for £1780) they'll definately hate me now

[Gingi1]

Two days left until LBA expires and they have sent me a letter stating they will be making no further offer and this is their final letter - anyone else had that?

[Gingi1]

HELP! LBA has expired and when I went online to look at the Money Claim I realised that I have already claimed the interest (8%) in my previous correspondence by mistake. The bank has not offered me the total of the charges in any case, but does this mean I can not proceed and need to write to them explaining this and giving them more time? HELP!

[Gingi1]

Well from searching the site and reading other peoples posts on mistakes made, I have decided to proceed with my claim. The bank have never offered me the full amount of the charges only, so I figure I am safe. Fingers crossed.

[Gingi1]

Letter today from DG Solicitors offering £100 below the amount claimed and without my costs. I have accepted as part payment and will pursue the rest!

[Gingi1]

Still no reply. How long do they usually take? Do I have to do anything else?

[Gingi1]

Am in negotiations with DG Solicitors over my claim but in the meantime I have received a defence from First Direct.

 

I have to return the questionaire for my local county court by 7th January and I will incur a further £100 costs - can I then claim that back as well?

 

Thanks.

[Gingi1]

Any help with the above and with filling in the paperwork appreciated.

 

Thanks

[androobe]

They are being very [fill in the blank] now. You will be able to claim it back, if you win or they agree to it etc. I'm in the same position but am a couple of weeks behind.

 

You must get it in the the court in time, or FD will win by default.

[stephenwalton]

Gingi1

 

You look like you are ahead of me by 2 weeks. FD have filed a defence and I have until 21 January to fill in the AQ. Let me know how you get on.

 

You say you are in negotiation with DG - are you in direct contact (telephone, letter or email) with them and how is it going?

 

Wishing you all the best.

 

I am wondering whether to write a letter informing them that I intend to file the AQ with a draft order for directions (see my thread).

[Gingi1]

Hi,

 

Well I sent back the AQ with the £100 cheque, I have not heard from DG Solicitors since before Christmas. I am (was!) in contact via email with DG.

 

I did not send my AQ back by registered post or anything, what if it arrived a day late? do they win by default? what happens? (I know, I know I should have sent it recorded)

 

Keep my fingers crossed for your all!

 

PS I have a complaint against FD lodged with the FO, will keep updating here.