As far as I am aware, if you know how much you are owed then you can send your prekiminary letter. If you have this info on your statements then you are alright as you may need all the details later if you do not get immediate satisfaction. This will be to fill in your spreadsheet for a court claim. I hope tis information helps. David

I have sent off my LBA as Barclays had not responded to me in time from my first letter and the deadline for my action is not up as yet. However, in the meantime I have received a letter from Barclays stating that they are sorry how I feel but disagree with my view. They go on to explain the terms and conditions on opening account and say that I am fully aware of my obligations to them. They then go on to offer me £710 without any admission to the basis of my complaint. The amount I am asking for is £2500. I am asked to sign and return the enclosed form to accept this with the cost and inconvenience inherent in a further dispute in mind and is intended as a gesture of goodwill. It has come from a the customer relations manager at the customer relations head office in London. I don't know if I can use the gentleman's name as a contact for anyone else to use! I suppose I know the answer to my question but am seeking reassurance from fellow peers. Is this in line with other people's experience and does it lead to full amount being paid if I follow the process and continue with legal action? Or is there an alternative as he has already offered something? Any advice at this juncture would be greatly appreciated. Many thanks David

Thanks very much for that! You have described it a lot clearer than in the FAQ's and I am quite happy to just pop on my 8% if it goes that far. It is nice to know that it is quite a complex process and that I am maybe not as dopey as first believed. Thanks Again David

Thank you for your advice but I have already read the FAQ's and find the answer relating to interest quite complex. I have great difficulty with numbers and was having trouble understanding it. I may have understood it wrong, but I took it to be discussing the interest when the matter actually gets to the court stage. This was only a discussion point regarding interest as I am sure others do not fully understand it and my main query revolves around the one made above. Again, I apologise for what seems to be an obvious question but I am fully aware from reading all the info that you must read the FAQ's and all other things to avoid duplication. I am only asking as I have read as much as I can but I just needed some clarification. Thanks David

Thanks very much for that. I have only just realised when starting the same process for my partner that I did not send a schedule of my charges whwn I did my preliminary letter. Should I include these in my LBA and should it be presented on the spreadsheet? I did include a total of the carges in the first letter. Just a point to consider. The one thing I did leave out of my preliminary letter was the interest in addition to the charges as I did not have the first idea how to work it out. Is this common with others and does it make that much difference? Many thanks David

Hello All I have read through everywhere and can not find the answer to this question, could someone please help? I sent off my preliminary letter to barclays stating that I would go further after the 14 days. The reply I received back was very non-commital as others have found, stating they are sorry how unhappy I am. They have stated in the letter that someone will contact me again by the 20th june. This goes beyond the 14 day deadline as stipulated in my letter. As they have acknowledged me, do I wait until they get back to me and see what they say or do I still proceed and send off my LBA letter after the 14 days? I hope this makes sense! Thank you all.