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Restarting a claim.


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Below is the details of the claim i started back in August 2006.


Shortly after posting on here I discovered that my landlady had been breaking into my room and reading my mail etc. This led to me having to find a new home. Lots of other things compounded this fact and the pursiut of my claim got forgotten about.


What i'd like to know is the best way forward from here. I don't mind starting the whole process again and sending them another letter with an updated schedule of amounts. Do you think this is the best course of action or should i proceed to "the letter before action"?


Slightly bemused, T_A_B.



Just keeping everyone up to speed with my claim.


I sent them the first letter along with my shedule fo charges, (tech savvy so i got these from my online statements without having to refer to the branch)


LLoyds replied with what appear to be a fairly standard letter, explaining about the charges and ending with the paragraphs:-


"I do hope you can see that we make our charging system as fair as possible - and why i cannot agree to cancel your charges.


This letter is the bank's final response, which means that if you remain dissatisfied you may refer your complaint to the Financial Ombudsman Service. If you decide to pursue your complaint through the Financial Ombudsman Servic you must do so within 6 months from the the date of this letter. I have enclosed their leaflet that outlines how to contact them.


Thank you once again for taking the time to raise your concerns with us.




I fully intend to send the Letter Before Action response. But wondered if it was "ok" to edit the wording as the standard LBA seems to have been written for the case of the bank not responding.


ie. "I am very disappointed that you have failed to respond to my letter of the [XXDATEXX]."


Any advice would be much appreciated.


NB. On a side note the bank response was FAST. Send them the letter on Wed 8th, their response is dated Mon 13th. The franked envelope is dated the 16th hmmm do you think they have alot of these letter to send out?


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Thanks for the indcredibly fast responce.! ;-)


No i didn't send an LBA originally.


If i send the LBA what am i to do regarding the charges applied since august?

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