Time For Lba Unsure How To Proceed

[pebbles26]

Hi everyone thanks for taking time to read. I have received reply from barclaycard stating will let me know by 26th october but this is beyond the 14 days. The 14 days time up is on friday? When i send LBA do i send the template out of the library and just add my details and adapt it or do i put thanks for letter dated ........ at the beginning? Im really unsere so any help would be great.

[hagenuk]

Use the template from the library but adapted to suit your circumstances, for example

 

Thank you for your letter of (date)

 

or

 

I am in receipt of a letter dated (date) from (name) and note its contents.

 

or

 

I am in receipt of a letter dated (date) from (name) and acknowledge receipt of the information contained therein

 

You get the idea.

[pebbles26]

Thankyou so much for your help

[pebbles26]

OK How about this just adapted it slightly:-

 

I am in receipt of a letter dated 3rd October from Katrina Downs and acknowledge receipt of the information contained therein

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

 

I calculate that you have taken £1200. Total £1200.

I am enclosing a copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my original letter of the 28TH September

Additionally you have entered a default notice against my credit record. This default occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity caused directly by the taking by you of penalty charges which you had applied unlawfully to my account.

 

In addition to full payment of the sum mentioned above I require that you remove the default entry from the register. Please note that mere correction or amendment to the entry will not be acceptable.

 

I require repayment in full of this money and removal of the default notice. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus a claim under ss.7 and 13 of the Data Protection Act 1998 plus my costs and without further notice.

 

Yours faithfully,

 

[pebbles26]

Right i sent my LBA on tuesday of this week as i had letter from katrina downs saying should expect reply by end of october but this was past my deadline. I think i have messed my charges up though as when estimating charges i have estimated from jan 2000 but they didnt introduce them till jan 2001 will they just ignore the ones that are not relevant or will this go against me? dont usually mess things up but my daughter has not been well and i now have a rotten cold. Any help would be great many thanks pebbles26

[skbuncks]

I am not 100 % sure they didnt charge before jan 2001 as have very vague recollections of having been charged on my card from as far back as 1992, Indeed am sure i've read in a couple of threads of people with charges on statements earlier than said cut off point, they just called them something different back then i think. IMHO by all means estimate back the full 6 years and if they disagree they'll have to prove it. Maybe a mod can give you a more definative answer

 

skb

[pebbles26]

OK thankyou will keep you updated. Snet LBA off of thursday have not heard Aa peep from anyone yet

[pebbles26]

Received another letter from katrina downs saying should hear something by 24th november my lba runs out in 4 days ill wait till then and then proceed with next step