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My first letter has been ignored....


stephi103
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Well we sent it 2 weeks ago yesterday and I asked for them to reply within 14days.

 

I will give them another day as its bank holiday but where do I go from now? Dn't want to get funny straight away but don't want them to think im not serious. Its around £1300 for 2 accounts.

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Have you read the FAQs?

 

There is a step-by-step guide. Read that thoroughly and you will know what to do next.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Stick to the timetable YOU set out in your letter. If no response, then send the LBA giving them another 14-days and if still no response after that, do what you said you would and issue a claim against them.

 

No point making a threat and not carrying it out is there?

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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UPDATE!!!!

 

Well looked at my online statement and they have refunded half the largest amount and thats it, I have 2 accounts and one had £950ish and the other had £460

 

They have sent no letter or anything, I was hopeing to get the full amount? Should I get the whole amount???

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They have Thanksed me for my letters and they say

 

I am unable to grant your request on one of my accounts due to a previous refund :confused: :confused: :confused: If I was it was only 1-2 refundes due to THEIR mistake. However I can comfrim that we've refunded x amount to the other account'

 

What do I do from here??? I don't understand why and I would like the whole ammount which I am entitled to. These are large amouint of money oweing me

 

£940 on one account and £460 on another.

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You should firstly keep your posts in one thread... It keeps things tidier and then others know exactly what you have come up against without having to look all over the place...

 

Perhaps you might like to re-post this in your original thread and a mod could lock this ?

If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.:D

 

DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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Threads merged - please try to keep all posts relevant to each claim in a single thread - thanks. :)

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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They have Thanksed me for my letters and they say

 

I am unable to grant your request on one of my accounts due to a previous refund :confused: :confused: :confused: If I was it was only 1-2 refundes due to THEIR mistake. However I can comfrim that we've refunded x amount to the other account'

 

What do I do from here??? I don't understand why and I would like the whole ammount which I am entitled to. These are large amouint of money oweing me

 

£940 on one account and £460 on another.

 

Did you send DPA request ? Do you have proof of all charges/refunds that have gone across your account ? Take off the refunds from your claim and continue... They are only trying to stall and way-lay you...

 

Threads merged - please try to keep all posts relevant to each claim in a single thread - thanks. :-)

 

Ok smart-arse... perhaps that might have been a better way to deal with it... smiley2.gif

If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.:D

 

DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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I sent the preliminary approach for repayment template letter from here. Whats a DPA request????

 

I have all the statements so went throught them all one by one!!! The ones that they refunded I left out of it anyway.

 

It says on the letter about calling him directly if we are not happy about this or should I keep on writing to then its down on paper and not just words on the telephone.

 

If so what shall I put in the letter the last one I had the template! No good with the wording of things like this!!

 

Sorry for starting another thread!

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Whats a DPA request????
Data Protection Act request...

 

I have all the statements so went throught them all one by one!!! The ones that they refunded I left out of it anyway.

 

They are just trying to distract you... If the 14 days you gave them in the prelim letter are up, then send the LBA... I wouldn't worry too much about acknowledging their letter.

 

It says on the letter about calling him directly if we are not happy about this or should I keep on writing to then its down on paper and not just words on the telephone.

 

Certainly if you're not completely confident with our arguments then written is the best way to keep it... Most people here generally advocate keeping it to letters anyway as then you have a record of exactly what has been discussed.

 

Sorry for starting another thread!

It's a common newbie mistake... It clearly demonstrates that you haven't read widely enough around the site !!!!! eusa_naughty.gif

If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.:D

 

DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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Stephi - people on this site are only trying to help, and with over 20K users there is a lot of help required.

 

If someone, rightly, suggests that you need to look around and check the FAQs a bit more, it is only because this will give you a greater understanding of the processes involved.

 

Please don't take it personally - it is not intended to be a personal observation. :)

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I wasn't taking it seriously!!! They were being cheeky and so was I. They put !!!! behind it and so did I! Don't take things so seriously, I didn't! I appricaite peoples help and thats why I said thank you

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  • 2 months later...

UPDATE......

 

Sent letter requesting the rest of the money and they wouldn't so I submitted it to the moneyclaim website and they have replied with some of the money refunded saying that they have calculated it and this is the amount which I know its not because I sat down and went through the statements and worked it all out. They refunded me intrest on it as well which I hadn't asked for anyway but didn't refund me the court fees.

 

There is still about £500 left which i really would like because its going towards are wedding!!!

 

Where do I go from here?

 

thanks in advance for your help.

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You are the second person that this has happened to today with Nationwide. This is what I recommended to do:

 

Email Charles Bacons office asking him to send you a full breakdown of the charges that they have refunded you and advise that as this figure is considerably different to yours, you will not be advising the court that it is settled until you are satisfied that you have got back all unlawful charges.

 

 

ANd they HAVE to pay you your court costs.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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i have found the person with the SAME letter that I got!!!!! Word for word!!

 

So I have done the same as what she has. Is this for the charges refunds that they have refunded before I started claiming or the money they have refunded for these claims?

 

thank you for your help

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You are asking for a breakdown of charges that they have sent you in relation to your moneyclaim. You want to know why it doesn't match up before you settle.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Well i emailed him and he still has not replied and a letter of account closure turned up today saying they will close the account in 30 days.

 

I am MAD!!!! I thought they would do this BUT i have not finished with them!!!!!!! They are closing 3 of are accounts.

 

they still owe me court fees and £500ish I have not signed anything to say I am happy nor have I settled it with the court.

 

I have done this letter that I got from here.

 

Dear Mr Sinclair,

 

ACCOUNT NUMBER: xxxxx

 

Further to your letter dated 8th August 2006.

 

I am willing to conduct my account according to your Flex Account terms and conditions; however I am unwilling to incur unlawful fees should I happen to breach those terms and conditions. If you say that your fees are lawful, then will you please demonstrate this by letting me have a full breakdown of the costs in order to reassure me that your penalties really do reflect your true costs? Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary.

 

In view of the above, should you wish to continue with your action to close my account on 6th September 2006, I would seriously consider applying to the courts for an injunction preventing you from taking such action until the case has been heard.

 

Yours sincerly..........

 

 

 

Do I put in that I am not happy with the amount they have refuned in this letter or enclose another letter. We also have a overdraft which needs paying back but I have no way of paying that back.

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