Thanks Mr lex well got some good news .... Got a letter today with a cheque for £810 ....claim is for £3200:rolleyes: But the best bit is that they say in the letter that it is NOT in full and final settlement and will not affect me claiming the difference between the amounts when the court case is over stays are lifted:D will make a donation when the cheque clears and a bigger one when i get rest after the test case;)

Thanks Mr lex i sent the L.B.A the same day as my follow up letter. that's why i stated the 14days to reply in the letter as well.They said in there letter to phone them if i need any assistance, Should i phone them regularly to ask how there investigation into my case is going.......not to **** them off you understand, just to show im not going away:D

well received a letter from them on the 19th stating the usual Dear MR....sorry about your financial problems but even though you are in hardship all claims have been stayed until the out come of the court case and appeal..bla..bla ...bla:mad: I wasn't having non of that so i replied the same day by next day recorded delivery.I stated that i knew about the court case and that cases had been stayed,but that i maintained that my case was a genuine one of "financial hardship" and asked them to kindly look at my case again as they are still expected to deal with these cases.I also stated that i would proceed to the courts if they didn't reply in 14 days and that i would apply to the court to have any stay on my case lifted on "financial hardship"grounds. Then got home from work today to find a letter stating that they are now investigating my claim and will advise me in due course. Any advice on what they'll do next?

Thanks Bigmac & lex will let you know there response:)

Ok things i have do so far:- sent prelim letter, bank received it on 23rd may. Bank sent back forms to fill in stating my hardship case, filled them in and posted.Bank received them on the 4th june. Now do i still send the LBA letter as they are dealing with the request but the haven't made an offer of repayment within the 14 day period stated in the prelim letter, or do i give them an additional 14 days from the time they received the forms they sent me......cheers thanks balu:)

Thanks maronndevo52 have filled it in an posted it .Will let you know there responce. cheers balu:)

I dont think you need a S.A.R if you have all your statements already just use the spread sheet to add up how much they owe you "do not add the 8% interest on yet as you only do that on the one you send to court".Then send a copy of that as your "schedule of the charges" with the prelim letter to the bank and wait 14 days for a response.....also i opened a natwest step account and it only took me a week i is worth doing just in case

thank Mr lex will let you know how i get on... and make a donation "when" i win

Hi Futabadirk just started a claim against yorkshire myself as far as i know you can still claim:) have just sent my first letter "prelim" and my schedule of charges asking them for the money back, so gotta wait 14 days before the next letter looks like im just starting before you so il keep you updated with what and how im doing and help as much as i can:D

Thanks Mr lex didn't expect such a fast reply sent everything 1st class recorded delivery as recommended by the site.Going to read up on how to put a court bundle together in the mean time as i like to get everything in order and know what im doing;) just a quick question in the next letter " letter before action" do i send the same schedule of charges or include the 8% interest or do i include that on the one i file to the court:confused: cheers

Hi every one just saying hi as this is my first post:) I sent my prelim letter yesterday to the yorkshire bank along with my schedule of charges i made using your templates stating financial hardship and listing my circumstances...cue the violins:rolleyes: Anyway will keep you all updated as to how i get on thanks in advance for any help as im sure il need it:oops:

hi estockroom im in the same boat got same letter couple of days ago:(,not received my statements from the bank yet either...well im just gonna keep going as long as it takes ,if i am one thing its stubborn . anyway my first post so hi all:D