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Can they pretend to not have received my letters?

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Iv'e just had a sudden thought, iv'e not long sent the LBA but with both letters I did not send them to the bank by recorded delivery. Do you think they can deny ever receiving both letters?!! Where do I stand on that front? I don't want to have to prolong it by another month!


Iv'e already requested a small claims pack from my local court do I still carry on as usual? I have dated and signed copies of both letters...or would that not make any difference? :(

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I'm pretty sure the court will accept that the letters arrived - the vast majority of post gets to its destination in this country! The court doesn't send by Recorded delivery either.

Nationwide - £80.00 refund agreed 01/06/06

Halifax Current Account - £132.75 refunded 07/06/06 (I won without asking! See this thread)

Intelligent Finance - £941.23 (including interest and court costs) refunded in full 09/06/06

smile - £255 refunded 30/06/06

GE Money - £195 refunded 01/07/06

NatWest - £4,801.15 (including interest and costs) refunded by cheque 14/02/07

Capital One - £40 refunded 06/06/06 - another £16 refunded 21/07/06

Barclaycard - £72 refunded 03/07/06

American Express - £300 refunded 05/07/06

Halifax MasterCard - DPA request sent 19/02/07

Co-operative Bank - DPA request sent 19/02/07


Total charges refunded (inc. Interest) - £6,831.98!

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If you send the letters by First Class post and keep a copy of the letters sent then the court will deem these as being delivered 2 days after posting. There is no need to use Recorded Delivery.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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