Need Some Advice Please.

[elsinore]

There is one thing I would comment on RCR, because the answer isn't always apparent, even after reading the FAQs and threads.

 

You can amalgamate claims for your personal accounts, although I personally think it's better to keep them separate. But do keep your business account separate, because your particulars of claim will differ from those of the personal accounts.

 

Other than that, both Rooster and RedDeath have given you good advice, it's up to you to make the most of it.

 

Good luck with your claims

 

Elsinore

[elsinore]

If you mean the letter in the Bank Templates Section, it is in fact a Letter Before Action and I think you are comparing it with a Preliminary Approach Letter.

 

Elsinore

[elsinore]

Your welcome.

 

Actually, we could do with a 'business version' of a prelim letter in there. It's pretty straightforward, but there might as well be one available. I'll find one of mine and offer it.

 

Elsinore

[elsinore]

Hi RCR50.

 

It's good that you've taken Lucid's advice. You shouldn't be chary about adding interest to your claim, you have a perfect right to do it.

 

The refund from the bank won't make any difference to your claim, but I'm curious to know why they wanted your current account details? Why didn't they just credit the business account?

 

As to accepting an offer, well it's absolutely your choice. If you are happy to accept what they offer you, then that's fine. No hassle, money in your pocket, move on!

 

Elsinore

[elsinore]

My apologies, If I had taken the trouble to re-read your thread I would have known the answer!

 

If you haven't already done so, it would be advisable to open a parachute account, in case LTSB close your present account. They shouldn't, because it would be seen as retaliatory, but that won't stop them.

 

PM box empty.

 

Elsinore

[elsinore]

I think we were all so pleased for her when LTSB finally coughed up, we maybe forgot about the detail. I know that, at one stage, Freebird put the frighteners on her bank manager and I suspect that she came out of that side of things OK.

 

Freebird is very approachable. If you post on her thread she will get back to you. I thinl FB is having a break at the moment so you may have to be patient.

 

Elsinore:)

[elsinore]

Hi RCR50.

 

1. It's a template letter which has been received by just about every LTSB claimant.

2. It's bunkum!

 

I have an almost identical letter on file, which I received months ago and I'm just about to be paid out, prior to court proceedings.

 

Just continue with your timetable and don't let LTSB's blandishments fool you. It's all designed to make you quietly go away.

 

Elsinore:)

[elsinore]

now who is getting dramatic.

 

Calm down, dear, calm down!!

 

Elsinore

[elsinore]

You know it makes sense!

 

Els

[elsinore]

RCR, I have to echo everything Red has said with regard to your MBNA claim. That £800 is your money. You must see it through. By accepting their offer of £280 you are doing exactly what they want you to do. Take no notice of the rubbish about OFT approval. Their threat to close your account is nothing short of intimidatory.

 

You owe it to yourself to keep going until you succeed. These goddamned banks must not be allowed to get away with this sort of arrogant behaviour.

 

If you decide to press on and need some assistance with response letters, just say the word.

 

Els:)

[elsinore]

I think perhaps that if I continue I should just go straight for the court action without notifying them and deduct the 280 they paid from the claim....can I ask whether you agree. I think that to write again would be futile.

 

Hi RCR, pleased you've changed your mind!

From what I have read about MBNA's shenanigans, they don't deserve any consideration. Just press on with your claim, suitably modified.

 

I hear what you say about your reluctance to deal with these matters, but you will feel very different when your claims are settled in full!

 

Els

[elsinore]

Thank you Elsinore, I shall just go ahead without an LBA with MBNA

 

Hey, RCR, I didn't realise you hadn't sent an LBA. I would not have said 'just press on' had I known that. It really would be wiser to send an LBA before commencing your claim.

 

So why did they cough up £280? Was it after a prelim letter?

 

Els

[elsinore]

 

I also have a problem (principles - fair do`s - right and wrong etc) how do I justify claiming back all of the charges if the OFT have approved them....

 

But they haven't! Here's an extract from the OFT Report 5th April 2006

 

"We are not suggesting that default fees should be set at £12 and a court will certainly not consider that a default fee is fair just because it is below the threshold"

 

The banks and CCP's have tried to bamboozle claimants into believing that £12 is the new authorised, legitimate charge. Bunkum!

 

Yes, I think it would be best to continue with the recommended method and send an LBA. That way you can be seen (by a court) to be behaving responsibly by giving MBNA every chance to settle (even though they don't deserve it).

 

Els

[elsinore]

Hi RCR.

 

Nothing you can do until at least next Monday. Even then you might as well wait another week to see if LTSB slip a defence in at the last minute.

The court wil be inclined to allow it, even if it's a few days late!

 

When you feel you've waited long enough, check with the court to see if they have received anything and, if not, you can apply for judgment.

 

Els