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Due to a combination of illness, holiday, redundancy, a new job, and... to be brutally honest, generally being crap, I have let my three claims slide since about August 06 - all three were at the initial letter stage, and all had had replies, with various degrees of fobbing off.

 

Any advice on the best way to pick things up again?

First Direct: DPA letter sent 1 June - next deadline 11 July

Capital One: DPA letter sent 1 June - next deadline 11 July

MBNA: DPA letter sent 1 June - next deadline 11 July

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If it were me I would write to the bank again, referring to the previous correspondence and say that you now wish to progress the matter: If the bank has not yet provided you with the necessary info, then repeat your request and take it from there. If you do have details of all of the charges, then write to the bank asking them for a refund and give them notice of court action if they are not willing to oblige.

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If it were me I would write to the bank again, referring to the previous correspondence and say that you now wish to progress the matter: If the bank has not yet provided you with the necessary info, then repeat your request and take it from there. If you do have details of all of the charges, then write to the bank asking them for a refund and give them notice of court action if they are not willing to oblige.

 

My bad - by initial stage I meant 'had worked out the charges due and requested the refund'.

First Direct: DPA letter sent 1 June - next deadline 11 July

Capital One: DPA letter sent 1 June - next deadline 11 July

MBNA: DPA letter sent 1 June - next deadline 11 July

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I suggest that you simply pick it up where you left off. The lapse of time does not matter. Start your letter by referring to your previous letter and the bank's letter of reply.

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  • 3 weeks later...

In two of the three cases I have an offer of settlement. Can I reject that and issue an LBA in one go, or should I give them 7 days for a response to my rejection?

First Direct: DPA letter sent 1 June - next deadline 11 July

Capital One: DPA letter sent 1 June - next deadline 11 July

MBNA: DPA letter sent 1 June - next deadline 11 July

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For the sake of 14 days, would it not be best to just start over again? You need to come across as reasonable, so allowing them 28 days to sort your claim out before taking them to court would make more sense than just giving them 14. If they have lapsed for this long, I can't see why you couldn't wait an extra 14 days :D

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Send them a letter referring to previous correspondence and give them only 7 days before issuing your claim in the courts

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Thanks.

 

As far as FD are concerned, I got the stock 'er, NO' letter :) so I'm just going straight ahead with LBA, since I can't see another go around'll change that much :)

First Direct: DPA letter sent 1 June - next deadline 11 July

Capital One: DPA letter sent 1 June - next deadline 11 July

MBNA: DPA letter sent 1 June - next deadline 11 July

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