After the Prelim letter...

[Wethers82]

Hi All,

 

After we've sent out the preliminary approach letter, what letter do we send? is there a template anywhere?

 

I used to be able to find this on the old forums but having trouble navigating this one

[maroondevo52]

Hi,

 

What sort of claim are you making.

[Wethers82]

It's a debit card claim against Lloyds TSB.

 

To cut a long story short; I had a £100 over draft and they lumped charges on my account up to £2,500.

 

1)I took them to court and they didn't turn up

2)they offered settlement of£1,700 but I rejected. However they paid it anyway

3)due to my lack of knowledge in claims, the court claim expired and closed automatically.

 

Now LloydsTSB have added all the interest on again. They say that the £1,700 was a good will gesture, but given the sheer volume, I think its a lot more than 'good-will'.

[maroondevo52]

Hi,

 

In what year was your claim ?

 

The next letter you would send would be a Letter Before Action, though claiming back charges from a Bank Account is very very difficult, even if you make a claim through hardship

[Wethers82]

Thanks.

 

I'm looking to use the fact that they didn't turn up to the small claims court and the large (so-called) 'good-will gesture' in my favour

[Wethers82]

Sorry but the link doesn't work