This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Sorry didn't think that last post went through!! So I can start the court action tommorow and just adjust the dates and amount accordingly?

Just to bring you up to speed, I sent the notice before proceedings letter got a very quick response saying all charges are legal and if I continue with court action they may close our account. I have opened a new account just in case. With regards to the amount of the claim can I just claim for a shorter period of time therby reducing the amount and then clain for the remainder later. If so do I need to start the whole process again or just the last letter saying I have decided to review the amount I am claiming and give them another 14 days?

Just to bring you up to speed, the second letter went off and I got a very rapid standard response saying all is legal and if you pursue court action the account may be closed. I have opened another account and the 14 days is now up. As I haven't started proceedings yet can I just change the period I am claiming back to bring the amount down to £4.5k and if so do I have to start the whole procedure again giving them another 14 days?

Received the standard will look into your complaint and a how to complain leaflet, just sent the final notice letter recorded delivery giving 14 days. Tick tock............

Sorry is that better? Not exactly up on forum ettiquette.

WELL IF THEY DO DECIDE TO GO OUT OF SMALL CLAIMS COURT THEN I WILL GO BACK THE FULL 6 YEARS AND GET MORE OF MY MONEY BACK!!!

FIRST LETTER IS GOING TOMMOROW I TAKE IT ALL CORRESPONDENCE SHOULD GO RECORDED DELIVERY TO THE TRITON SQUARE ADDRESS. CLAIMING £4998 IN CHARGES. THIS DOES NOT INCLUDE INTEREST COSTS ETC. I ASSUME IF I CLAIM THESE THEY ARE ADDED TO THE TOTAL WHICH WILL TAKE ME OUT OF SMALL CLAIMS TERRITORY? WISH ME LUCK!! :twisted:

HI, JUST CALCULATED CHARGES FOR PAST 6 YEARS COMES TO OVER £5K CAN I CLAIM FOR A SHORTER PERIOD TO STAY WITHIN THE SMALL CLAIMS £5K LIMIT ALSO DOES THE £5K LIMIT INCLUDE INTEREST ADDED IN THE EXCEL SPREADSHEET, COSTS, COURT FEES ETC. FINALLY THE PRELIMINARY LETTER INCLUDES OVERDRAFT INTEREST, HOW IS THIS CALCULATED AND BEARING IN MIND I DONT WANT TO CLAIM OVER £5K IS IT WORTH PUTTING THIS IN? ANY HELP WOULD BE MUCH APPRECIATED PETCH