Please Help Me

[sharkbait]

My partner and I are trying to claim on 3 accounts. I sent the 2nd letter to them saying we would take them to court in 7 days. All 3 letters were sent in the same envelope.

My partner got a letter back very quickly saying that they didn’t think they were unlawful so go away!

I received a letter for my account and our joint account saying they were passing this onto a Customer Relations Manager to investigate and that they would get back to me within 4 weeks.

How do I stand with starting court action now? I wanted to do all 3 accounts together.

Should I start off my partner’s court case and wait another 4 weeks to do the other 2 accounts?

 

Any help would be very much appreciated.

Thanks for taking time to read my plight.

HAppy Christmas

[hillards]

I'd give them a call and ask why one account differs from the other two. Try Customer Relations on 08457 253519 and see if they can help, they are usually quite good with my calls.

 

It deepends on the amount of your claims, if the total of all 3 is under the £5,000 limit for small claims then lumping them together may keep costs down when you get to filing the N1 form, rather than 3 seperate cases at that stage.

 

As for them saying 4 weeks - stick to your own timescales! They're just trying to delay matters and there are reasonable periods already specified. See 3 b in http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html

[sharkbait]

Hi

 

It deepends on the amount of your claims, if the total of all 3 is under the £5,000 limit for small claims then lumping them together may keep costs down when you get to filing the N1 form, rather than 3 seperate cases at that stage.

 

Does this mean that I can put all 3 claims onto 1 court claim even though one has my name on it, one has my name and my partners name, and one has my partners name only on it?

 

Thanks

[sharkbait]

Hi

 

Yesterday I had a letter from the bank offering me £158 goodwill jesture. They actually owe £1800 ish on 3 accounts. I have read some forums previously and understand the best course of action is to write an accept this as part payment. Is there a letter template for this? Or any specific wording that will help? Thanks everso much for your help.

[wandererpaul]

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html

 

use this link and look down a couple of posts to find a template for the letter to write back. hope this helps.

[ikpom]

hello

 

there have been many bank charges on my account due to the bank charging me on a cheque i gave out. on my statement it show as cash but they paid out the cheque and charged me for the the cheque. the acc is not a curent acc but savings. which if there was no money the cheque could have not be paid out. they recorded it as cash taking out but charged for the cheque paid out which is the same as the cash. also AOL have been taking out money from my acc after cancellation for the about five month now and they refuse to refund abck the money claim some as be logging in as a guest. what can i do the phone line link to the aol acc was cancelled the same time as the aol.

[hillards]

hello

 

there have been many bank charges on my account due to the bank charging me on a cheque i gave out. on my statement it show as cash but they paid out the cheque and charged me for the the cheque. the acc is not a curent acc but savings. which if there was no money the cheque could have not be paid out. they recorded it as cash taking out but charged for the cheque paid out which is the same as the cash. also AOL have been taking out money from my acc after cancellation for the about five month now and they refuse to refund abck the money claim some as be logging in as a guest. what can i do the phone line link to the aol acc was cancelled the same time as the aol.

 

You've hi-jacked someone else's thread with your questions. Please ask again in a new thread, so as not to confuse those following sharkbait's thread. I also suggest reading a lot of the information on this site, you may find you can answer a lot of questions that way.

[sharkbait]

Hi, I am still confused about what kind of letter i should be sending. They have offered me a "Goodwill gesture" of £158, nowhere near what we are due. The letter that that i was advised to send rejects that offer completely. the reason I am confused is that I am sure that I have read somewhere on these forums that you should accept the offer as PART PAYMENT and ask for the rest. Is this the case?

 

Also, if you accept it as partial payment but still have to go to court do you have to claim for the total amount or claim for the amount minus the goodwill gesture amount?

 

Thanks for taking the time to help

[hillards]

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html

That is the correct letter, which states "I will accept the sum offered only as part settlement ..."

 

This is a self-help forum, where it's expected that people using it will help themselves by reading the FAQ's and the instructions so they are clear on the course of action they are taking.

 

I'd suggest doing a lot more reading, to the point where you are confident in moving forward with your claim without needing to ask the questions you just have.

 

Yes, you will get help if you ask, but so many people start out on this path to getting their money back without reading the basics that there comes a point where people like myself, who love to help, will not simply hold your hand and show you every move you need to make.

 

Sorry if it sounds harsh, it's not meant to be. It's also intended to give the same message to newcomers who are reading the threads, so they don't do the same thing and miss important points.

[sharkbait]

Thank you for the helpful advice on the letter. I really do appreciate it.

 

I do agree with you that your comments sound a bit harsh. I feel deflated by them and to be honest have felt deflated everytime I come on this site. I have read lots of other threads and have seen all the comments and help those people have received. Whenever I ask a question, I am either ignored and have to ask again or get a response like today.

 

I started coming on this site because I could see all the wonderful advice other people have been receiving. There is a lot of advice on here and sometimes it is difficult to find what you are looking for. In fact since receiving your comments I have been to the FAQ's and still could not find the letter that you have quoted for me to use. This may be because I am impatient or maybe that there is so much to read that it is hard to find.

 

I hope your comments have not put other people off using this site but I think it's the end of the road for me. I am going it alone.

[Aaronsdad]

Hey Sharkbait are you really - sharkbait? Hillards gave you the exact link to the letter that you were looking for! BEFORE making any comment! Now there is harsh and there is harsh. Looking back over your thread I agree with Hillard. I will help anyone who is unsure, unstuck or confused but come on! You're asking stuff that is clearly explained in the FAQ's and library and if you've read it on another thread, why didn't you bookmark it or write it down? We'll help - we'll go out of our way to help, but if you choose to ignore it , like the link Hillard gave you, there's not much more we can do! Good luck on your own, but please don't be too proud that if you need help you don't ask. We're not the enemy - they are!

 

A D

[hillards]

...In fact since receiving your comments I have been to the FAQ's and still could not find the letter that you have quoted for me to use. This may be because I am impatient or maybe that there is so much to read that it is hard to find...

 

The link to the letter is there, all you need to do is click it - it's standard for forums like this that the link appears that way. Try clicking on -> Rejection of settlement offer

 

The help was offered before the advice to read more, maybe you are being impatient and not taking in what's available on this site. As Aaronsdad points out, you will get help and advice here, but you also need to help yourself first, by reading the FAQ's you should understand what the procedures are.

 

Nobody is trying to put you off, and going it alone does not seem like the best advice you can give yourself. I did consider the reply given to be helpful in pointing out that basic questions do tend to get ignored as it simply shows the person involved has not taken the time to read through the information given, where questions like those are already answered.

 

Personally, I spent nearly 3 weeks just reading, before I started my claim. I understood what I was doing every step of the way. OK,. not everyone will reach that level of understanding, but look again at the advice?