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Hi there,

There's a section under the main consumer action group page with faq's. this will give you step by step instructions on how to start your claim, and excellent letter templates.

The basic jist of it is you send first letter asking for your charges, giving 14 days to reply, they'll probably ignore your first letter.

After deadline you send your second letter LBA(letter before action). After the 14 days are up on that if no reply or not willing to settle, you can raise your court claim.

There are a couple of ways to do this which are listed on various threads.

My advice would be for you to have a thorough read of as many different cases as possible and you'll probably have a fair idea of what you should do next. Don't rush into anything until you have got all the info you'll need. Might be an idea too to find the thread for your particular bank, that way you can see how they're dealing with all other complaints.

Hope this helped.

Jacky

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