letter from sc&m

[jeffrey62]

just had letter from sc&m asking me for a)each and every individual amount of the carge that was deducted b)date of every charge c)how i calculated the interest (which i never asked for ).......is this a standard letter ? where do i get the spread sheet download from .....thanks

[nicsussex]

If it is the letter that I think it might be - it also states that LTSB are 'mindful to settle' - is this the one?

[jeffrey62]

it says ......been instructed to write to you as our client is without prejudice basis and with no admissionwhatsoever to liability ,minded to enter into settlement negotiations with you ,but there appears to be discrepency in what i have claimed .......sound right to you .......thanks

[nicsussex]

Thats the one - send them what they want and wait for settlement - this is almost (let's not get too excited yet) a win.

[jeffrey62]

ok thanks.....been great help

[jeffrey62]

hi all have sent sc&m what they wanted but i hevent heard anything back is it worth giving them a call ?.....thanks

[broke dave]

You could try calling; sometimes thet are helpful - but more often than not they are rude. A letter or fax is sometimes a better tactic as they have to log it on to your file. This has the advantage of bringing your file to the top.

Good luck.

[Wilks 77]

Did u send the letter by recorded delivery. Because if you didn't I don't think SC&M even open those. If you did then what I would do is send another letter as Broke dave suggested. I would explain the fact that you haven't had a reply from them and attach a further shedule of charges.

 

Just a quick question, did you also add the interest this time. Its quite obvious that the letter they sent you was a template letter and that they are most likely to settle. I may even be a bit cheeky and send back a shedule with the interest also calculated and put on your letter something like this-

 

"Further to your response where you have asked for a shedule of charges in relation to the bank charges that I am in the process of reclaiming. You have asked for a)each and every individual amount of the carge that was deducted b)date of every charge c)how i calculated the interest. I have therefore included the statutory interest of 8%, which relates to 8% per annum since the charge was firts applied to my account.

Hope everything is as you require."

 

SO what do you think?

[jeffrey62]

hi and thanks ,yes letter was sent recorded delivery and i also added that interest wasnt added but that i believed interest would be added at a later date .....should i have wrote that ???

[passivenomore]

Hi Jeffrey...

 

Yes write another letter and include EVERYTHING!!

ie: charges, interest (to today's calculations), court costs, etc.

 

If you're feeling cheeky... maybe an extra allowance for stamps, photocopying, etc!!!!

[christinajanep]

hi jeffery

 

lloyds are sending this letter out now just before settlement is offered, so anyday now u should get your offer.

 

fingers crossed for u

[jeffrey62]

thanks both i will give it till tuesday because we have had a royal mail strike would you believe it ......interest is added how ?

[passivenomore]

Did you do your list of charges with the excel spreadsheet from this site?

 

If so, the interest is automtically updated. Just re-open and print off... easy as that!!!

[grizzly2007]

I also received the same day a letter from Sechiari, Clark & Mitchell that Lloyds (of course without prejucide), are minded to enter into settlement negotiations (wohoy), but there is a discrepancy in what I am seeking by way of refund of bank charges. I am confused over the interest element as of course, claim was issued on the 4 June, which means between then and now, i should of accrued more interest and the sum would be different.

 

 

 

Should I again use Martin's template (Money Saving Expert) to recalculate my interest? I don't think it saved, and I didn't use the CAG website one.. Help!

Could somebody point me to the link for the spreadsheet?

 

[passivenomore]

Here you are grizzly:

 

http://www.consumeractiongroup.co.uk/Spreadsheets/England/Simple-charges-calc.xls

 

Happy typing!!

[jeffrey62]

i think the discrepancy is a ploy to get you worried ,they said that in my letter but i dont think they actually even read the letter we write

[grizzly2007]

cheers guys! Best of luck and will keep people posted.

[jeffrey62]

what credit card charges can you claim for ....in the middle of bank charge refund but didnt think credit card aswell .......thanks

[passivenomore]

Jeffrey...

 

I would guess that the same principles that apply to bank account charges would apply for credit cards... ie. any charge which has been applied to your account as a penalty (going over limit/late payment).

 

I stand to be corrected on this one!!!

[jeffrey62]

think i pay it on time didnt really look at charges,can you go back 6 yrs aswell.....

[passivenomore]

think i pay it on time didnt really look at charges,can you go back 6 yrs aswell.....

 

 

I would guess that the arguments againdt the Limitations Act that have seen people claim over six years, would apply to credit cards/store cards also. If you go down the SAR route, then the card company will have to give you all your statements that they have on record, regardless of time limits. It may take time and may involve "non complience of SAR" to get all the information though!!

 

Again, I stand to be corrected!!!!

[Brucey]

As with the guys on this thread, we had this letter. Keep hoping the money will turn up in the account but hasn't happened yet. Sent the reply recorded delivery and it was received by them on 5th July, so 10 days ago [7 working days]. Will let you know if they do settle soon, may be you'd be on the same sort of timescale ... we have three weeks to court date.

[jeffrey62]

hi all,still hvent heard from sc&m been 8 days since they received my letter ,getting worried they might have changed their minds no........

[jeffrey62]

9 days now! getting worried........

[jeffrey62]

hi all its 2 weeks since i had letter from sc&m and i replied with what they asked for which they received on the 11th of july .i havent had a reply from them in about 9 days is this about the amount of time it takes ?? getting worried they changed their minds ........