How many letters to send before court?

[dynamo216]

Once I know how much I am owed by the bank, how many chances do I need to give them to pay?

 

It seems that people write an original demand and then a letter before action, then go to court.

 

I feel that 2 weeks ia adequate time for my claim to be addressed, so I am planning to just write a single letter, demanding payment in full, and then go directly to a court claim if they don't pay up.

 

Can anyone see a problem with this? Or is this sufficient?

 

Thanks

[lateralus]

welcome to the site dynamo,

we are all just a group of people who are following a plan. it is tried and tested - many, many times and it is very effective. in fact, if you follow the plan to the letter - i can just about guarantee you will get your money back.

the single most important piece of information is this: read, read and read again the faqs and step by step instructions. take it all in, and then plunge in to get your money.

here is a very good place to start, Sticky: Newcomer? Here's A User Guide

then, as you've already got a thread started, use it to keep track of what you have done - the dates, any responses, etc. also, ask questions if you don't understand something in the instructions.

good luck, we will help you with specific questions when you've made your start.

[anon1]

well, you are showing that you are giving every chance to resolve the matter prior to court, so that if it does go to court, which it won;t, you can show that you gave the bank adequate time to resolve the matter. i would always follow the CAG way as it is the prescribed route. They do say that patience in a virtue and very seldom found in man!

[blackmanfamily]

Hi there

Follow the guidance given ie send a friendly letter asking for it back, then a formal letter and then a letter before action.

This way you can demonstrate if it ever goes into court that you have tried to be reasonable asking for it back

It works for so many people and this is what i am doing with some success, be patient and stick to your deadlines.

you will win just follow all the steps and stick wth it

use the templates too

[Tigs33]

I would also send two letters Prelim letter and then the LBA, the banks are very busy with these letters and sending them two letters is enough but not too much time

[Clare1981]

I only sent 1 as I was reccomended to do this from someone on another site but on here they seem to say to do the LBA, not sure whats best but good luck!!

[lateralus]

to all of you:

it's all in the step by step instructions - if you don't send an sar (because you have the statements already) it's one prelim letter then 14 days later the lba then 14 days after that you file your claim.

when in doubt, check the steps:

Step-By-Step Instructions

 

people have gone to loads of trouble to put this all in a very readable format, use it, eat it, digest it, love it, or hate it, but do it!!!!!!!

it is it's own reward!!!!!

[dynamo216]

Thanks for the replies. I'm aware of how to navigate the site and I know the textbook way of going about the claim. But what I meant to ask was, is there an actual legal reason to send so many letters?

 

I already have one successful claim following the standard route, however the process was a bit drawn-out. For this reason, I was considering speeding up my second claim by just sending 1 letter.

[anon1]

patience is a virtue have it if you can sometimes found in women never found in man.

If it ain't broke why fix it.

It is better to stick to the prescribed method as you have won once and will win again with the same method