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cookie121 v FD


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Hi all just received letter from FD as others returning cheque and are sending statements via courier, but mention information regarding manual intervention, can anyone shed some light on this or is this just waffle? :)

Statements arrived 23rd Feb

Prelim letter sent today 2nd March

8th March Standard reply

18th March LBA posted

22nd March without prejudice Offer received

23rd March letter rejecting offer sent

 

March 29th Letter offering full amount *****Gladly Accepted****** RESULT!!!

:-D :-D :-D :-D :-D

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Regarding your first question about 'manual intervention', my pile of statements had a front sheet which included all the notes which had been made on my account.

 

Interestingly, the last note made was - you guessed it - a note saying I had requested all my statements. Looks like my card is marked. :-D

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Well added it all up and before interest is added we have a little shy of £1500. That will do nice thank you..:)

 

One question though this sum is over two accounts one closed, do I have to send a pre-lim for accounts separately or just lump them in together?

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Cookie. This subject came up a few minutes ago in one of the threads on the HDBC forum.

 

Looking at your last post. Do you mean you have the statements from one account but not from the other?

 

If you mean. can you lump them together as one claim - yes you can (so I'm led to believe) but with certain caveats.

Claim against First Direct - WON - 29th March 2007

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No have both accounts statements, have now two figures totaling 1500. Do I send separate pre-lim request for payment ie one letter per account or add the two accounts together and claim as one figure adding an explainitory breakdown and enclose the separate spread sheets as clarification. I am thinking that when I get to the court stage If the acoounts are dealt with separately at this stage, I will have to make two claims through the courts, am I wrong?

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  • 2 weeks later...

Heard nothing from FD guess they must be busy, so sent LBA on the 18th. Have a question though, as the MCOL will fall around the 30th it is getting real close to my holiday which will have me out of the country for 2 weeks from the 16th April. What I want to know is it wise to leave the court stuff until my return or should I keep to the timetable and hope I don't miss any deadlines?

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Cookie - if I were you I'd stick to my timetable - so they know you're serious. Can you prepare your letter and schedule of charges copies for the bank and get someone else to post them while you're away? (When you get you notice from the court I mean)

Claim against First Direct - WON - 29th March 2007

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Trying to decide which rejection letter to send?

 

I believe that letter 4 serves my purposes best as I only sent LBA a few days ago and the offer includes no payments only the offer, the only change I guess I need to make is with respect to any payment made. I am editing this part to read; If you do not accept my conditions for acceptance, or you do not respond within 10 days, I shall return any payments made.

anyone have any experience or thoughtful input, I guess the banks are changing its reply formats as to give CAG difficulty when writing template letters. :!:

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