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LBA was refused now what?


k0r54
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Hi k0r54!

It's a fob-off letter...ignore it!

Prepare to file your Claim @ Court the very same day after the date that U stated in your LBA.

Not long now!

...U should see YOUR money start appearing in drips and drabs about a week after U have Filed @ Court!!!

Hope this helps to re-assure U?!

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Well, you sent them an Letter Before Action, they haven't refunded your charges to your satisfaction so now assuming that the time you gave them (14 days?) has expired, you take the action that you threatened them with.

Halifax - Credit Card: 14/11/06 sent S.A.R, 29/12/06 sent Prelim, 11/01/07 1st bog-off received, 15/01/07 LBA sent, 01/02/2007 MCOL started for £1801 (inc court costs and 8% int.), 02/02/2007 MCOL cancelled... , 09/06/2007 Court claim started, 01/06/2007 Claim Acknowledged, 07/06/2007 Claim concluded, £1540 to be reimbursed into CC account.

GE Capital Bank Ltd - Storecards (3): 11/06/07 sent S.A.R, 15/06/07 Acknowledgement of S.A.R received

GE Capital Bank Ltd - Wife's Storecards (2): not started yet...

Nationwide - Current A/C: not started yet...

Lloyds TSB Bank Ltd - Current A/C: not started yet...

Lloyds TSB Bank Ltd - Business A/C: not started yet...

and the rest I haven't remembered so far... : not started yet...

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Hiya K0r54

Once your fourteen days are up its time to start your court claim and include your interest

This can be done online at https://www.moneyclaim.gov.uk/csmco2/index.jsp

or go to your local county court and get a N1 form.

However!

I feel that you really ought to be a little more confident in what you are doing before going any further, use the next few days to re-read the F.A.Q's and the limitless threads of advice found on the forums.

The more you know, the happier and easier you will feel about the whole process.

Of course there is always someone around that is willing to help but it will be less worrying for you if you fully understand what you are doing

Hope this helps

Good luck

Not long now!

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

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Hiya

Unless you are on benefits, you need to pay court costs, these are refunded when you win.

Halifax settled

Halifax (again) settled

Nationwide settled

Natwest settled

Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>

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I have checked online but do i have to pay to submit it online?

It costs U marginally less to Claim Online than it would do if U submitted it in person at your local County Court.

However, when U win your Court costs will be reimbursed in any event!

The following link explains things in more detail:

Her Majesty's Courts Service - Home

 

Hope this helps further?!

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