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What do i do now????


zoomraider
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I have received a reply from IF to my initial letter, content below, dated 11 January.

 

"Thank you for your communication of 30 December 2006, regarding the issues raised in respect of your Intelligent Finance Plan. We are sorry you are unhappy with our service.

 

A Service Quality Consultant will investigate your concerns thoroughly and will inform you of the outcome as soon as their investigation is complete. I have enclosed a copy of our complaints leaflet that explains how we deal with the concerns customers have with Intelligent Finance, for your information."

 

The 2 weeks of my initial letter is now over.

 

Should I send the second (threatening) letter now, or should i wait for them to inform me of the outcome of their "investigation"?

 

Please help!!!

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there will be no investigation or an outcome, so send the letter.

 

also, stick to one thread so people can see what steps you've already taken.

repeat S.A.R - (Subject Access Request) letter sent recorded 20/10/06

list of charges & cheque for £10 received 24/10/06

Prelim letter sent 24/10/06

another £10 cheque received and lba sent 03/11/06

16/11/06 25% of claim offered

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which letter have you sent so far, the subject access request or the prelim approach for repayment?

repeat S.A.R - (Subject Access Request) letter sent recorded 20/10/06

list of charges & cheque for £10 received 24/10/06

Prelim letter sent 24/10/06

another £10 cheque received and lba sent 03/11/06

16/11/06 25% of claim offered

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Have sent both, received reply to SAR request at end of december, sent prelim approach on 30th december and received response as above. Am now sending threatening letter but don't know what court to put in letter as below.

 

"This is based on the Unfair Terms in Consumer Contracts Regulations, as I believe these default charges are unfair and not proportionate to your costs, and therefore the [iNSERT NAME OF COURT] court will rule in my favour. "

What court should i put???

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so this is your letter before action (LBA)? where are you copying it from because mine doesnt contain that text

repeat S.A.R - (Subject Access Request) letter sent recorded 20/10/06

list of charges & cheque for £10 received 24/10/06

Prelim letter sent 24/10/06

another £10 cheque received and lba sent 03/11/06

16/11/06 25% of claim offered

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Right, have found different template now, don't know where I got the other from! Letter before Action now sent, and hopefully in 14 days time I will be £1300 the richer.

 

Looking over my schedule of charges before sending it off I realised that in one month they charged me £120 altogether!! :eek:

It's just obscene, really.

 

I think they deserve everything they've got coming to them! :lol:

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