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    • Unpaid wages should be pretty straightforward if you did the work. Don't be intimidated. You need only show you were due money, and did not get money.   The risk is that they have no money to pay you (and legal fees) - frankly a solicitor maybe be costing them more than your claim is for and I might have expected them to make a commercial decision to settle before this point regardless of the merits of the case.
    • Thanks so much FTMDave.  This is so much better   I'm still tempted to leave the blue section in is as if I lose it will at least save me a little bit of money.  But I get your point that it's pretty superfluous.   Thinking I'll get this in the post on Monday unless you think it's worth delaying?   
    • Hi All I have now received a Final Reminder, which I have attached. Can you confirm that I should still ignore this letter and take no further action. It does not appear to say "Letter of Claim" anywhere on the document but I just wanted to check with you all. Many thanks FightUnfairParkingTickets Parking Charge Final Reminder issued 29th May 2024.pdf
    • Hello I am a resident of a communal block of flats owned by a Housing Association and since Tuesday 14th May 2024 Matthews and Tannert had put up scaffolding for a job on the roof last week, which was up for the best part of nine days. They had removed the scaffolding on Thursday 23rd May 2024 but my Sky box is still not working because of the satellite dish outside, and I was wondering whether the scaffolders had touched the dish while it was there and as a result had probably knocked the dish and probably made the dish go out of signal or whatever. I needed someone to check this out as well as to see my Sky box to see what could be the problem, and hopefully sort this out. I have had my Sky Digibox for many years and I have got recordings saved on them that I have had a long time - it would break my heart if I had lost them forever.       I contacted Sky but I almost made the mistake of accepting an offer where I would have to pay £31.50 and wait a whole month without television in my front room for it. I am in debt at the moment and I don't want all this on top of everything else - thankfully I have since cancelled it two weeks later when I told the person on the phone that it is the dish which is at fault as well as the fact that I live in a communal Housing Association property, and so that is one of very few weights off my mind. I emailed the Housing Association's Repairs department and they said that they will contact an electrical company to come out and see to the dish outside. I received a telephone call on Friday 24th May from the man to say that he will arrive on Wednesday 29th May 2024 to do the job. He arrived at around 9.40 am on Wednesday as promised; he went into my flat and had a look at the Sky box and saw the blue screen on my front room TV set, indicating no signal. He also looked outside as to where the dish was.  The main problem was that the ladders that he had with him were not enough to reach the dish outside as the dish was towards the top of the building - obviously the Health and Safety aspect of the job didn't allow him to do this. He then mentioned that whether he could do the job as a result of getting onto the roof and doing it like that as the dish is closer to the top. He said that he needed the key to enter the loft part of the building in order to reach this, and he needed to contact the Housing Officer at the Housing Association who had key to this, but lo and behold, he came on the Wednesday to do the job, and guess what? Wednesday was the Housing Officer's day off and so therefore he was unable to contact him for the key so that he could do the job! I just couldn't believe it myself. I am personally annoyed because this has not been sorted, and the man who came to do this is also annoyed because he came all the way to Nottingham from Peterborough, and he said to me that he won't get paid if he cannot do the job, so you see, we are both angry about this for different reasons. We are both in the same boat with regards to frustration, and we both want to see a conclusion to this, once and for all. Sometimes I wish that I didn't live in a flat which is in a communal building and I am thinking of getting a transfer to a one bedroom flat that isn't in that sort of place. I pay around £85 a month in a Direct Debit to Sky to receive their TV services which I cannot use at the moment, and I don't have much money in my bank account as it is due to one thing and another. I also pay nearly £14 a month to TV Licensing so that I can legally watch TV in my front room. I pay for Sky hence the fact that I want the Sky service in my front room and not Freeview. Also, as the General Election is coming up in five weeks' time, I want the satellite TV to be working properly so that I can catch up with what is on the news channels, and I feel rather "cut off" from that at the moment, and I want it working in time for Thursday 4th July 2024 for ovbious reasons . I have Freeview in my bedroom, but that is not the point  - I don't want to be limited to my bedroom every time I want to watch TV. I have tried putting the Freeview in te front room but it doesn't seem compatable for the same uses that I usually have Sky for.  Sunday 9th June 2024 is Day 27 of the satellite TV not working in my flat, and I feel that something needs to be done about this. You can take this message as a complaint if you like, but nevertheless, I want this message to be acknowledged and also something to be done about what has happened. I have enough on my plate with regards to health problems and depression without things like this making things worse. I would appreciate it if something was done.  I don't like naming and shaming but it is Matthews and Tannert's fault that I am in this situation in the first place, and sometimes I wish that I could sue them. In a nutshell, I have had more than enough after being without TV in the my front room for nearly four weeks. Also, at a time like this, I am missing so much of interest on TV what with the General Election comning up in just a few weeks.
    • There's no facility for a settlement "out of court" as such. But matters that are started under the "Single Justice" (SJ) Procedure can often be concluded without the defendant appearing. The SJ procedure, as the name suggests, involves a single magistrate, sitting in an office with a legal advisor, dealing with matters "on papers" only. Nobody else can attend. The SJ deals with straightforward guilty pleas. Anything where the SJ believes the defendant should appear, or which should be dealt with by the "ordinary" court are adjourned o a hearing in the normal magistrates'  court .As well as this, all defendants have the right to a hearing in the normal court if they wish. Nobody is forced to have their case heard under he SJP.  In particular, as far as traffic matters go, a SJ will not disqualify a driver and if a ban is to be considered, the case will be passed over to the normal court. Because, following your SD, you will be pleading Not Guilty (and offering the "deal"), your case would usually be heard in the normal court, meaning a personal appearance. To be honest, performing your SD at the court is a more straightforward way of doing things. It avoids any possible hitches involved in serving he SD on the court. But of course, as I said, most courts have backlogs which mean an SD may not be quickly accommodated. If you do end up doing your SD before a solicitor, check with them the protocol for serving it on the court. Do let us know what the solicitor says about Wednesday.    
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johnie depp v bank of scotland


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LBA = Letter Before Action, You can find it in the bank tempates library. It basically gives them 14 days to repay the charges and if they don't you will pursue the claim through the courts.

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Your welcome johnie. Good luck with your claim.

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so far recieved no replied to my initial letter, checked the rec delivery had been delivered and it was recieved on the 13th so its now onto the "ignore" template letter giving them 5 working days to reply or I will complain to the financial ombudsman that they have failed to reply to my complaint.

posting it today so 3rd letter will be due to besent on 28th mar will keep an update if anything else happens in between

 

cheers jd

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Many of the banks are being swamped by the prelim letters and many people do not get any response at all. If you have proof that they received your prelim letter, then count 14 days from the date of that letter and then send your LBA. As long as you have proof of them having received your letters, just stick to the timescales.

 

Prelim 14 days

LBA 14 days

Claim

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thanks jowalshy forkeeping me right, in my prelim letter the template said they should reply within 7 days of reciept, i'll give them to the 28th as by that time it will be 14 days since the prelim letter, and i'll then send off the LBA ivereally got the bit between my teeth and am definately going the full way

 

cheers jd

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You're welcome jd, just keep reading as many threads as poss to keep you up to spead with all that goes on. If you have any problems just ask.

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Recieved letter today dated 20th march stating "that we are sorry to learn you are unhappy etc...... and that the Financial Services Authority gives them 8 weeks to investigate and respond to complaints?

 

Any advice on whether I should wait till then or press on with original deadline as set out in the LBA.

 

Cheers JD

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Yep, agreed. Carry on and stick to your timescales johnie. When they say in the letter "Financial Services Authority gives them 8 weeks to investigate and respond to complaints" that means any complaints. You dictate the timescalce not the bank.

 

(as joewalshy said):)

14 days prelim approach.

14 days LBA.

File claim in court. (doubt it'll go that far with hbos)

 

Don't take the first offer they give you if it's not the full amount (or as close to it as you're willing to settle). They know that if you go to court you'll be adding on 8% interests and they'll have to pay costs as well as paying you the full amount. They'll back down and offer you the lot..

 

Good luck and I'll keep you updated on my claim 'cos we're at similar stages:grin:

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BOS :D.P.A/S.A.R - (In Branch) 28/02/07

PRELIM - 06/03/07 (std 8 wk reply recieved)

LBA - 20/03/07 (ignored)

COURT PAPERS FILED - 04/04/07

SETTLED - 17/05/07

CAPITAL ONE :DPA/S.A.R - 06/03/07

PRELIM - 12/04/07

LBA - 27/04/07 (ignored)

COURT PAPERS FILED - 14/05/07

 

If I've been any help please click the scales and let me know.

Whilst only too happy to help in any way I can, any advice given by me is done in a completely lay capacity and has been gathered either from research on this forum or from personal experience. I am NOT a lawyer...... IF IN DOUBT SEEK PROFESSIONAL ADVICE...........

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Hi jd, I received a letter the other day saying "sorry for not getting back to you, still investigatin etc." but the day before I received an offer from them (didn't accept as it wasn't the full amount)

 

Keep to your timescales and good luck

 

JW

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Ooooooooooops. Wrong bank. The post above relates to another claim with HSBC. Sorry....lol.

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Hi Guys looking for some help I'm now beginning to prepare my LBA in a template from the Library Some questions I have are The LBA begins with stating that I am very disappointed that you have failed to respond to my letters of the 09/03/07. But they did respond saying they were justified in their charge etc.?

also it says "I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX.

I am enclosing a copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my original letter of the [XXDATE OF FIRST LETTERXX]

How do I work out the overdraft interest or is this the 8% calculated on the spreadheet. Sorry if this sound a bit stuoid but I'm reaaly not sure if this is the correct template letter for me

 

 

JD

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Hi jd, you need to rework the letter to suit you. State that they have not replied satisfactorily to your letter.

 

The interest is not the 8%. If you use the advance spreadsheet in the templates it will take you through how to claim the interest you have been charged on your charges

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It is in the bank templates library No 6 Interest calcuation spreadsheets. Click on England Advanced - Excel . Save it and then fill it in. There will be the instructions on how to use the spreadsheet on the left with the actual parts for you to fill in on the right (pretty blue and yellow colours on it) If you still can't find it, pm me your e-mail address and I will e-mail you a copy of the one I have.

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hi jowalshi found the spreadsheets THANKS

 

Now I'm started im a bit confused.

in the interest columns it has not calculated interest for some entries and the total interest for £2600 claim is pushing the Fig Up to £25,332 ????? must be doin something wrong

any ideas

 

I could PM you if that helps

 

Cheers JD

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wowwwwww! sounds very good but I don't think its correct. PM me and I will have a look to see what you have done.

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Hi JD, Did you send the spreadsheet? Only message in PM box. I have PM'd you my e-mail address so you can send it that way.

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Hi Guys having probs with the scottish version of bank template letter the english version seems to calculate the interest fine, is this a problem anyone else has encountered or should I ignore claiming with interest and stick to claim for charges + judicial interest

any advice would be apprieciated as I'm sending my LBA tommorow

Cheers JD

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Hi jd, You have to work out whether it is worthwhile you claiming the interest at this stage or whether to claim the 8% at MCOL stage. I personally worked out my interest to be only about £20 so therefore didn't bother. If you were in credit at the time of the interest being deducted from your account (which in my case I was), the spreadsheet shows a big fat zero to claim back. The decision is entirely up to you.

 

Good luck in whatever decision you have made and keep us informed on how it goes.

 

Take care

 

Jo

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HELP PLEASE can anyone advise on scottish complex spreadsheet as when i try to use it it will not calulate the correct sums for me? the english one seems to work fine? need this for my LBA tommorrow so ANY HELP BEFORE THEN WOULD BE GREAT

Cheers JD

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