BOS not responded

[vivaman]

Hi

 

Sent LBA to BOS and they had till today to respond - NO REPLY.

Should I call them or just carry on to the next stage of court action ?

Am in ill health and awaiting surgery and on incapacity benefit. Really worried about losing more money. Am however determined to see this through. Thanks for listening.:o

[**Tilly**]

hi ya sorry to hear your unwell if there 14 days are up they have had thier time its now time for you to file n1 or mcol stick to your timescales not thiers its your money

[**Tilly**]

here you go this might help

Money Claim On-Line (MCOL) Particulars of Claim(2

[**Tilly**]

and this one

Example Step-By-Step Instructions

[vivaman]

Thanks for the quick reply.

Have just reread my LBA and think I hashed it a bit as now realise I only gave them 7 days to reply. Is this going to cause a major problem ?

[**Tilly**]

you might want to do the n1

4. Particulars of claim - N1 - hard copy version

hope this helps any qustions just shout someone will come along

[**Tilly**]

well they havent replied to either 7 days or 14 dAYS BUT WILL CHECK IT OUT FOR YOU

[vivaman]

Thanks Tilly:)

[**Tilly**]

No Problems Got A Few Things To So Will Post Answer As Soon As:)

[vivaman]

Spoke to BOS on phone (Dunfermline) and they deny receipt of my LBA. The guy however said that he would escalate my complaint and I should fax the dept my letter. Would this be a wise thing to do ???????

I feel like I am hashing up on this !!!!!!:o

[vivaman]

Sorry to be such a pain - just spoke to BOS to see if they had received my fax (see my note above this one). They have received it and said they have till the 9th August to respond. This was my LBA and am now confused as to start court claim now or wait till 9th August ( FOS rules ) or response from them which ever comes first.

[**Tilly**]

but that works out 46 days think there trying stalling tatics did you fax the origal lba or write a new one with todays date

[Dusary]

but that works out 46 days think there trying stalling tatics did you fax the origal lba or write a new one with todays date

 

 

Excellent question, Tilly!

 

Vivaman: what country do you live in?

[vivaman]

I faxed through the original LBA.

[vivaman]

I live in Essex

[**Tilly**]

did you change the 7 days to 14 dAYS

[Dusary]

Good!

Then the countdown begins from THAT date!

[Dusary]

I live in Essex

 

 

OK - just in case you were living in Scotland (different legal procedure here!).

 

Since when was Essex a "country"? You lot got devolution, too?

 

[vivaman]

I left it exactly as it was - 7 days. Did not want to change it in case of a discrepancy if they were holding the original.

[vivaman]

Sorry Dusary - think my brain is scrambled:o

[**Tilly**]

I Would Wait The 14 Days Then Start Your Court Action Someone Please Correct Me If Wrong

[Dusary]

Sorry Dusary - think my brain is scrambled:o

 

[vivaman]

Thanks Tilly - will do

[vivaman]

Hi

 

I have given the BOS till Monday as this is when the 14 days is up. They have received the LBA. Due to my incapacity benefit it is going to be a tight one to pay court charges. I do remember seeing somewhere that there is a link to fees for those on some benefits but cannot find it on the site. Can someone please point me in the right direction.

Also, what are the chances of winning anything if I use the Financial Ombudsman - any experiences from anyone so far. If the FO rules in the banks favour can I still take it to court ?????

Thanks for listening:)

[**Tilly**]

hi ya you can get exempt from paying courts for a number of benefits have a look here hope this helps

DO YOU HAVE TO PAY?