sorry no, im still at the Mcol stage waiting to get the funds to procceed. they will give you nothing with regards to letters, you WILL have to take them to court, i'm sure they are rather thick

It means the both "you win" AND nothing more to be done. they lose by default.

go get em girl

good luck bro or broess

i am also claimng all charges to the account, not just redemption.

good luck janet

yer just found it thanks paul

thanks paul, got it, and email reply sent. doing my MCOL now. tough to get it all in with only 1080 allowed. any tips ? or templates

great news paddy thanx, anyone wishing to offer their address for me could PM me, would be great.

I need some help here guys, it seems to file a MCOL i need to have an address in england which will act as my service of papers address, i have email about 15 lawyers regarding acting as my service of papers address none of which said yes, had loads of oh we don't do civil and stuff like that. can anyone stear me in the right direction here or is a anyone a lawyer in england that would act for me. any help would be greatly appreciaited as i am keen to get a claim filed.

yer they have said they are paying nothing and will close my (complaint) lol i need to now raise action in an english court that will persue this on my behalf, so gonna take a wee bit more time i guess. remember im in scotland

hmm guess not

Ok letter from Mr Bacon, and i accept what they have stated. could a mod please change the topic name to WON or SETTLED. Thanks.

i would imagine any charges to that account would be too ?

yer well i would, but i live in scotland

Got a reply to this today lol, reads as follows. Thank you for your letter Dated 5th Oct. I can advise you that we will not be refunding you the charges as per your origonal request of 15th Sept. As previously advised, we will not be taking this matter any further via our internal complaints procedure. Signed Miss R Daimond. what you all reckon, off to court i guess.

yup LBA sent and got a nice letter telling me as i no longer wish to comply with their complaints procedure, they would close down my complaint. i sent this in reply I can confirm receipt of the letter dated 4th Oct 2006 where you state your position with regards my so called complaint in respect of your unlawful charges, I am frankly at a lose as how such a large and respected company as Preferred could get this so wrong. 1./ My 1st letter to you was not a Complaint, but a request. 2./ My 2nd letter to you was simply to inform you of my intention to commence legal action against Preferred with regards to refunding the unlawful charges applied to my account in the time it was held by preferred. With respect to Consumers credit Act 1974 & Unfair Terms in Consumer Contract Regulations, these Both apply to you in this case and I would strongly suggest you have your legal dept have a look at them. The Data Protection Act section of my second letter to you simply refers to my recovering the cost of the Subject Access Request fee of £10 which I intend to include on my claim. In the interest of goodwill I will extend my deadline for a favourable outcome in this matter and hope the offer of an out of court settlement of £2,300.00 will be seriously considered. I expect a full reply to this letter and a response to my offer within 7 working days, after this point I will Serve my claim on preferred and let the courts decide. I will attached another copy of my schedule of charges with this as I have done in my previous 2 letters.

Got a reply to this today lol, reads as follows. Thank you for your letter Dated 5th Oct. I can advise you that we will not be refunding you the charges as per your origonal request of 15th Sept. As previously advised, we will not be taking this matter any further via our internal complaints procedure. Signed Miss R Daimond. what you all reckon, off to court i guess.

yup LBA sent and got a nice letter telling me as i no longer wish to comply with their complaints procedure, they would close down my complaint. i sent this in reply I can confirm receipt of the letter dated 4th Oct 2006 where you state your position with regards my so called complaint in respect of your unlawful charges, I am frankly at a lose as how such a large and respected company as Preferred could get this so wrong. 1./ My 1st letter to you was not a Complaint, but a request. 2./ My 2nd letter to you was simply to inform you of my intention to commence legal action against Preferred with regards to refunding the unlawful charges applied to my account in the time it was held by preferred. With respect to Consumers credit Act 1974 & Unfair Terms in Consumer Contract Regulations, these Both apply to you in this case and I would strongly suggest you have your legal dept have a look at them. The Data Protection Act section of my second letter to you simply refers to my recovering the cost of the Subject Access Request fee of £10 which I intend to include on my claim. In the interest of goodwill I will extend my deadline for a favourable outcome in this matter and hope the offer of an out of court settlement of £2,300.00 will be seriously considered. I expect a full reply to this letter and a response to my offer within 7 working days, after this point I will Serve my claim on preferred and let the courts decide. I will attached another copy of my schedule of charges with this as I have done in my previous 2 letters.

great news, well done

OK Update, standard letter from prelim LBA sent 26/09/2006 next step court action....

interest on their account i would imgagine

After speaking to Dannielle Gee yestarday on the phone, she came out and told me the truth about what they are doing with half payments. " when we receive a claim, we pay round half of the claim and will wait till just before the end date before we pay the balance" hmmmmmmmm

mine is due back tomorrow, the reply i mean, and im sure it will be same as you guys. so LBA next then court it would seem.

30 days, but i am aware that the ombersman is looking into this.